Features

Everything you need to read and arrange your money

Every part works from the same data, so no figure is duplicated or contradicted.

Log via WhatsApp, Telegram & AI Chat Bot

Send a quick message as you spend, or chat with our financial assistant for smart money advice.

  • Casual text notes like 'coffee 25k' or 'salary 5m' record instantly.
  • Interactive financial AI Chat Bot ready to answer budgeting and savings questions.
  • Available on official Moneta WhatsApp and Telegram.
  • Instant confirmation reply with fast undo if mistyped.

Automatic Receipt Photo Scanning (Plus OCR Plan)

Snap a photo of any receipt and send it to chat. Every item and total is extracted without manual typing.

  • Auto-detects store/merchant name and transaction date.
  • Reads itemized product names, quantities, and individual prices.
  • Receipt photos securely archived as bookkeeping proof.
  • Saves hours of manual entry for groceries, dining, and business expenses.

Realtime Multi-Currency & Travel FX

Traveling abroad? Record transactions in local currency and Moneta auto-converts to Rupiah at live market exchange rates.

  • Supports USD, SGD, MYR, JPY, EUR, THB, GBP, AUD, KRW, and more.
  • Live foreign exchange rates fetched automatically in real time.
  • Displays both the original foreign amount and the IDR equivalent simultaneously.
  • Financial reports and net worth stay unified in Rupiah.

Record without repeating yourself

One place for money in, money out, and movement between accounts.

  • One form for income, spending and transfers between accounts.
  • Cash, bank and e-wallet accounts, each with an opening balance.
  • Duplicate detection on save, so one payment is not recorded twice.
  • CSV import from a bank or e-wallet, with a preview before saving.
Small shop counter with a calculator, a blank receipt book and a jar of coins

Who it is for

From small records to calmer decisions

Moneta does not change your income. What changes is how clearly you can see it.

About us

Plan before the money runs out

Budgets, goals and debts are calculated from the transactions you already recorded.

  • Budgets per category with a remainder per day.
  • Savings goals with progress and scheduled contributions.
  • Money owed to you and money you owe, with payment status.
  • Recurring transactions for fixed bills.

Read this month's figures

Reports are built from the same ledger as the transaction page.

  • Cash flow, income and spending for any period.
  • Spending by category.
  • Net worth over time.
  • CSV export for bookkeeping or tax.

Insight you can check

Cash forecasts and insights explain patterns; underlying figures are calculated deterministically from your records.

  • Advice is drawn from your own numbers, not somebody else's average.
  • The core calculation is deterministic, so a result can be repeated.
  • Money Wisdom offers one quotation a day, chosen by a person.
  • Quotations without a clear rights position are not published.

One account, several jobs

Workspaces separate money without separating accounts.

  • Keep personal, family and business money apart.
  • Owner, admin, editor and viewer roles.
  • Mark a transaction private so only its owner can read it.
  • Switch workspaces without signing in and out.

Access you can account for

Account security is part of the product, not an add-on.

  • Passwords are hashed and sessions expire.
  • Two-factor sign-in with an authenticator app.
  • Limits on repeated sign-in attempts and requests.
  • Important changes are recorded for internal review.

A simple subscription

One plan, one price, one way to pay.

  • Pay monthly with QRIS.
  • Affordable pricing from Rp5,000/month with no credit card required.
  • Invoices stay in the Billing page.
  • Records are kept when a subscription stops; full access returns after payment.

Installable and portable

Moneta runs in a browser and installs like an app.

  • Add it to the home screen from the browser.
  • Layout adapts to phone and desktop.
  • Bahasa Indonesia and English.
  • WIB, WITA and WIT time zones.

Every feature, one plan

No feature is locked behind a tier. Rp5,000 a month opens all of them.

See pricing and what is included

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.