MAIN: 0
RYT POCKET: 19527.50 (I know it will be more than 20k total but for the alternate day round off...) | Interest:1.60 +- 0.01
SAVINGS POCKET: 60.84 *9 =547.56 | Interest: 0.01*9 = 0.09

TOTAL = 20075.06 with the knowledge that 75.06 is there to pad numbers | Interest: 1.6+0.09+0.54=2.23 at the very least with variations

Am i correct in my calculations so far or do i need to go back to math school?

PS: After everything is said and done, effective rate is basically 4%~4.05%

ryt pocket i left 19892.50 - (60.84*9).. Cause interested to get the 3%+1%.. but if you not interest about it then yeah main account and ryt pocket no need to bother..
the daily 9 cents i just transfer it to the ryt pocket.. initially daily from 1.59 now also become 1.60 dy because of the total interests accumulation

so u already tested and with rm19954.56(ryt pocket) and 60.84x9 other pocket can Rm2.24 interest?
i put total rm20k in ryt pocket only get rm2.19-2.20 daily