Pre-launch n91ce isn't publicly accessible yet — this page describes what's being built. Tell me when it's ready →
27gems

RM5 a month · bookkeeping for Malaysians  ·  part of Tax Navigator

An app like this should have existed ten years ago.

Sepatutnya benda ni dah ada sepuluh tahun lepas.

Nobody built it. Maybe it doesn't make money. Maybe solopreneurs aren't loud enough to be heard. So we built it ourselves.

Upload twelve months of bank statements. Out comes a simplified financial statement and your Form B business section — ready to paste at LHDN's e-filing.

Public-benefit work. Your numbers, in your hands.

One email when n91ce opens. Nothing else.

The tool that runs your books.

RM5 a month. Plain Malaysian. Built for side income earners and street merchants.

POS · TodayRM 412.00
Brownies × 2RM 36
Cookies boxRM 28
Custom cake — SaraRM 180
+ add saleRM
DuitNow QR
Cash
Ring up a sale in two taps.
Bills · scan
[ receipt photo ]
VendorTepung HQ
TotalRM 84.30
CategoryIngredients
Save · counts toward Form B
Snap a bill — category guessed for you.
Form B preview · YA 2025
B1 · Gross incomeRM 87,420
B2 · Cost of salesRM 23,180
B3 · ExpensesRM 14,650
B4 · Net profitRM 49,590
ReliefsRM 9,000
Tax payableRM 1,237
Download PDF
Your Form B business section, ready to paste at LHDN.

n91ce

(say it: "nice") RM5/month · in beta

Nicely takes you to Form B.

Upload twelve months of bank statements. Out comes a simplified financial statement and a Form B business section, filled in. Open LHDN's e-filing, paste the numbers across, done.

Bank statements miss what stays in cash, and they don't show how each product or service performs. So the rest — POS, voice, receipt scanning — fills in what you need for your business.

  • Drop in a year of bank statements — Malaysian or foreign. DuitNow, TnG, and FPX entries included. Foreign currency converted at BNM's middle rate.
  • Out comes a simplified financial statement and your Form B business section, ready to paste.
  • Snap a bill — or a commission slip — to fill in the gaps. The app reads it.
  • Personal makan and business spending, kept apart.
  • Or ring up sales as they happen — two taps, or talk to it like a walkie-talkie. Voice through Google or Siri.
  • Bahasa Melayu, English, 中文, or தமிழ். Whichever feels like home.
Coming with v1 A customer-facing kiosk. Stick a cheap handheld at your stall — customers key in their own orders. The list lands on your main phone; you cook and clear once they pay. Built for rush hour.

One email when n91ce opens. Nothing else.

If you're one of these, this is for you

  • 🧁 You bake from home
  • 🏠 You sell insurance
  • 🏢 You sell property
  • 🎨 You design for hire
  • 💻 You code for hire
  • 📷 You photograph for hire
  • ✍️ You write for hire
  • 🌐 You work remote for a non-Malaysian company
  • 🛒 You run a pasar malam stall or Ramly burger trolley
  • 💇 You cut hair, urut, or tuisyen the kids

Under RM250k. No accountant on retainer. Filing Form B once a year. You'd rather it took an afternoon.

More quiet tools coming as Tax Navigator grows. Each one solves one quiet thing properly.

Tax, in plain Malaysian.

Short explainers from Jason Shong, CA (ANZ). Three minutes each. No jargon.

Follow along · @navigatetaxwithjason

What you get.

🔐

Your numbers stay yours.

Your sales. Your customers. Your bank statement. Stored on your device, not sold or shared. Export the lot to Excel any time, in one click. Leave whenever you like — and walk out with everything.

🇲🇾

The shortest path to Form B.

Every screen, every category, every report is shaped around the lines of Form B. So when April comes, the answers are already where LHDN expects them.

🛠️

No accountant words.

No "debit." No "credit." No "journal entries." Just your sales, your bills, your customers. And what each one means for your Form B. Plain Malaysian, throughout.

What your RM5 does

RM5 a month.
The price of a teh tarik.

Enough to cover the basics — the servers, the email, the hours that go into it. Nothing more.

📣

You fund the free tax tips.

Your RM5 also funds the weekly tax tips on Threads, Instagram, and Facebook. Plain-Malaysian education stays free for everyone — because you paid for it.

⏸️

Pause when you stop.

Quiet month? Sakit, cuti, raya rush over? n91ce hibernates. Billing pauses. Come back when you're ready. Leave for good, and one click exports everything to Excel.

Upcoming
🤝

A community fund. In the works.

Hit a rough patch after you've been around a while? You'll be able to keep going. Donors will be able to earmark help to specific neighbours. More as it takes shape.

One email when n91ce opens. Nothing else.

Start n91ce — RM5/month →

Early voices.

Real bakers, agents, freelancers, and stall operators go up here once they've filed Form B with n91ce. Not before.

🧁

"A home baker, after filing her 2025 Form B with n91ce, will be quoted here."

— Reserved for a real voice

🏠

"An insurance agent who stopped paying RM800 to retype her year will be quoted here."

— Reserved for a real voice

💻

"A remote worker filing Form B for a foreign employer will be quoted here."

— Reserved for a real voice

Filed your 2025 Form B with n91ce?

Tell us how it went. If you're willing, your line goes up here.

Share your story →

Where this sits.

27gems is part of Tax Navigator — a project to make Malaysian taxes effortless, peaceful, and predictable as eating out. Tax Navigator does the plain-Malaysian explainers and the blueprint for remote workers. 27gems builds the tools.

Built by Jason Shong. Chartered Accountant (CA ANZ, Australia & New Zealand). Based in Petaling Jaya. Eight years working remotely from Malaysia for a UK employer — filing his own business income tax the whole time.
admin@27gems.com →