Neraca ⚖️

Cash, bank, savings, credit card, and e-wallet accounts with live balances. Add income, expenses, and transfers with a fast keypad, categories, tags, and notes, then search and filter the full history.

Turn a BNI, Jenius, or GoPay PDF, a DANA statement or screenshot, or an OVO history screenshot into transactions. Review every row before saving; duplicates are flagged and reference codes are cleaned up.

Fix a category or mark a row as a transfer during import, and Neraca remembers. The next statement from the same merchant or account is categorized for you automatically.

Set monthly category budgets, carry them forward, and browse budget history across years. Not sure where to start? Neraca proposes budgets from what you actually spent.

Track stocks (in IDX lots), mutual funds, deposits, bonds, gold, crypto, property, retirement funds, P2P lending, and more. Read a broker’s Matched Order screenshot straight into a holding and see unrealized P&L.

Keep track of what you owe (utang) and what you’re owed (piutang), with repayments that update your wallets. Save toward goals and schedule recurring bills and income that post automatically.

Income vs. expense charts and category breakdowns for this month, year to date, all time, or any custom range, built with Swift Charts.

No sign-up, no cloud sync, no analytics, no ads. Optional App Lock hides your balances behind Face ID, Touch ID, or your passcode, including in the app switcher.

Export everything to a single .neraca file and keep it wherever you like. Before a restore replaces your data, Neraca saves a safety copy first, so a restore can be undone.