All your money, in one picture that makes sense
Record income and spending, set budgets, and see what is left before the month ends. One account for personal, family and business money.
- Rupiah from the start
- Pay with QRIS
- Separate workspaces
- Indonesian time
Core Capabilities
The Easiest Way to Track and Understand Your Money
No complicated spreadsheets. Just send a quick chat, snap a receipt, or ask our financial AI.
Chat Recording
Send text messages in WhatsApp & Telegram. Transactions log instantly.
"kopi 25rb tunai"
Tercatat: −Rp25.000 · Kopi
Receipt Photo OCR
PLUS OCRSnap a photo of your receipt. Merchant, total, and item list parse automatically.
[Foto Struk Belanja]
Struk: Rp85.000 · 3 item
Realtime Travel FX
Traveling abroad? Log in USD, SGD, JPY, EUR. Converted to IDR at live market rates.
"lunch 25 USD"
−$25 (≈ −Rp452.000)
Financial AI Chat
Chat naturally to get personalized budgeting tips and financial guidance.
"Tips atur gaji 5jt?"
"Alokasikan 50/30/20..."
Why Moneta
Tracking money should not feel like a second job
Most people know the money ran out. What stays out of sight is where it went. Moneta closes the gap between the transactions that already happened and the next decision.
Records in pieces
Screenshots, bank notifications and memory cannot be added up. At the end of the month, there is no single figure you can trust.
A budget with no remainder
A monthly limit only helps when you know what is left per day, not just the total already spent.
Money mixed together
Business cash spent on household needs leaves both the profit and the personal spending unclear.
How it works
Three steps, repeated every month
Record
Add a transaction from your phone in seconds, or import a CSV from your bank or e-wallet.
See
The monthly summary shows income, spending, cash flow and the balance of every account.
Decide
Set budgets and goals. The projection engine maps patterns from your verified figures.
Inside the app
What you see after signing in
The same view on phone and desktop. The first screen holds this month's figures: income, spending, and what is left.
Monthly summary
Income, spending, net cash flow and savings rate in one panel.
Transactions
Search, filter and correct records. A transfer moves both balances at once.
Budgets and goals
See the remainder per day and savings progress without opening a spreadsheet.
Reports
Spending by category, net worth trend and CSV export.
Cash Flow Forecast
Projected closing balances and patterns derived directly from your verified numbers.
Money Wisdom
One reminder a day about money habits, chosen by a person.
Who it is for
One account, three ways to use it
Personal moneySalary, bills, daily spending and personal goals. One person can run it.
Family moneyFamily members get access that matches their role. Private transactions can stay hidden from everyone else.
Business moneyKeep business cash apart from household money, then see profit and spending without a spreadsheet.
One price, every feature
Rp5,000 / month
Every Moneta feature with no tiered limits — billed monthly via QRIS, cancel anytime.
Questions people ask
- How much does Moneta cost?
- Two transparent options: Standard plan (Rp5,000/mo) for text logging, AI Chat, and FX; and Plus OCR plan (Rp8,000/mo) with automatic receipt photo scanning. Paid monthly via QRIS with no credit card required.
- How do I pay?
- With QRIS from any bank or e-wallet app that supports it. Open Billing, scan the code, and access starts once the payment is received.
- Can other members read my data?
- Only if you share it. Every workspace has its own members and roles, and a transaction marked private can only be read by the person who recorded it.
- Can I use Moneta for a business?
- Yes. Create a separate workspace for the business, invite the people who help, and give them the right role. Personal money stays in another workspace.
- What happens if I stop subscribing?
- Your records stay saved. Full access returns once the next payment is received.
Start with the numbers you have today
No spreadsheet to prepare and no bank account to change. Create an account, record one transaction, and watch the month become readable.