Finally, see your finances as one clear picture.
Fineka brings your wallets, bills, budget, goals, assets, and investments together in one clear system. Not to help you spend less, but to give you the freedom to make your own decisions.
Already managing your money, but still don't really know where you stand?
If this feels familiar, it doesn't mean you don't care about your money. What usually happens is that your financial information is scattered across too many places to see as one complete picture.
Money scattered across many wallets
Bank accounts, e-wallets, cash, credit cards, and paylater are usually viewed separately, blurring the full picture.
Balance looks safe, but bills aren't counted yet
Installments, credit cards, paylater, and ongoing obligations can make your real financial position very different from what it looks like.
Budgets get made, but rarely tracked
Without clear indicators, a budget can leak slowly until the end of the month comes as a surprise.
Savings goals stay just intentions
An emergency fund, a house, a wedding, or your child's education need visible progress to feel real.
Assets and investments aren't seen as a whole
Savings, gold, assets, and portfolios often stand alone, separate from daily cash flow.
No helpful report at month's end
Transaction records alone aren't enough if they never turn into insight you can actually evaluate.
The problem isn't always that you're not saving enough. Often, you just don't have a clear system yet.
Managing money takes more than tracking expenses. You need to know the balance actually available, the bills waiting, and whether your position is really moving forward.
This is what determines your next step, not a balance figure standing alone. Try moving the sliders.
Every important part of your finances, in one system.
From daily transactions to monthly reports, Fineka helps you understand your money with more structure, without complicated spreadsheets or heavy accounting apps.
Net Position, your real financial standing
See your net position, total balance minus total bills, so your balance is never seen without context.
Multi-Wallet
Bank accounts, cash, e-wallets, credit cards, and paylater in one easy-to-read view.
50/30/20 Budget
Give direction to your monthly income with easy-to-understand indicators.
Credit Card & PayLater Tracker
Track bills, installments, and payoffs so obligations never fall through the cracks and your balance never misleads you.
Goals & Assets
See not just money going out, but the wealth you're building.
Reports & Export
Evaluate cash flow and your health score, export to CSV or PDF anytime.
Every feature is designed to make money decisions easier.
Fineka translates financial numbers into a picture that's easier to understand, so your next decision feels like your own.
Know what's available
The balance dashboard helps you see total liquid money across all wallets, in one place.
Know your ongoing obligations
Total bills helps you see installments, credit cards, and paylater you need to pay.
Know your real position
Net Position shows your net balance, not just a balance that looks big.
Know your budget's safe limit
The budget meter shows when spending is still safe, cautious, or already critical.
Know your goal progress
Savings goals make your savings targets and emergency fund feel real and always in sight.
Know your wealth is growing
Assets and investments can be viewed alongside daily cash flow for a more complete financial picture.
Built for a financial life that's starting to get more complex.
Personal
Track money in, money out, balance, budget, and your personal savings goals in one system.
Family
Manage household expenses, installments, and family goals with more calm and planning.
Freelancer
Track irregular income and create simple reports for monthly evaluation.
Learn morePayLater
See total installments and obligations in one place, so your account balance doesn't mislead you.
Learn moreAssets
Track savings, gold, physical assets, and investments in one complete picture.
Learn moreThey've already started seeing things more clearly.
Real stories from people who've brought their finances together with Fineka.
"Finally all my balances show up on one screen. I used to get surprised by credit card bills, because my bank balance looked fine before subtracting installments. Now I immediately know my real net position."
"My income isn't fixed every month. Fineka helps me see how much comes in, how much goes out for operations, and which budget can stay flexible. The monthly report is simple."
"I'm not someone who understands financial terms, but Fineka is easy to follow. I use it for our monthly household budget and to track our emergency fund. The goals feature is my favorite because the progress is so clear."
"I have two credit cards and a paylater, and I used to miscalculate installments all the time. Since using Fineka, total bills show up right on the dashboard. Net Position has been a huge help."
More complete than a basic expense tracker. Easier than a spreadsheet.
Fineka isn't just a place to record money in and out. Fineka helps you build a complete picture of your balance, bills, budget, goals, assets, and financial reports.
Manual notes or a notes app
Easy to forget, hard to analyze, and doesn't give you a useful financial report.
More structured data, easier to evaluate, and generates automatic reports.
Personal spreadsheet
Flexible at first, but tiring and the format easily gets messy as data grows.
A ready-to-use system, mobile-friendly, and lighter to use every day.
A basic notes app
Only focuses on transactions, not yet seeing your full financial position.
Wallets, Net Position, budget, goals, assets, investments, and reports, all seen together.
HTTPS / SSL encrypted connection
Data never shared with third parties
No bank account access required
Manual input, full control stays with you
Start building clearer finances, with simple pricing.
All Fineka features are available in every plan. Choose annual access, or lifetime access.
Essentials
For those who want to start organizing their finances at a low cost.
- Manage multiple debit/credit wallets
- Track income, expenses, transfers
- 50/30/20 budget & flexible budget
- Track investments, debts, and assets
- Monthly financial insights & reports
- All features unlimited, 1 year access
Independents
For those who want a long-term personal finance system, with no yearly fees.
- All Essentials features
- Lifetime app access
- More peace of mind, no annual renewal
No feature differences between plans. Everything is included. Just pick the access option that fits you best. USD figures are an approximate conversion and may vary with the exchange rate; billing is in IDR.
Still unsure? Here are the answers.
Yes. You can start with the basics, create a wallet, record transactions, set up your income, then use budget, goals, reports, assets, and investments once you're ready.
No. Fineka is designed with everyday language, not accounting terms. You just need to know how much comes in, how much goes out, and how much is still owed.
Fineka works through your browser on phone or laptop, so you're not locked into one device or operating system.
Your connection is encrypted with HTTPS/SSL, your data is never shared with third parties, and Fineka never asks for access to your bank account. Everything is entered manually, so you stay in control.
Yes. As long as you log in with the same account, your data stays the same across phone and laptop.
A spreadsheet is flexible but you have to build it yourself from scratch, and it gets messy easily. Fineka already has a ready-to-use system, including Net Position, a budget meter, and automatic reports.
Yes. Fineka has a dedicated tracker for credit cards and paylater, so installments and fees never fall out of your net position calculation.
Your data stays saved. You'll only lose access until you renew, and you can switch to Independents anytime if you want lifetime access without renewing again.
The features are exactly the same. The only difference is how you pay, Essentials is billed yearly, Independents is a one-time payment for lifetime access.
Start seeing your finances more clearly, today.
It doesn't have to be perfect right away. Start with one small step, bring your balance, transactions, budget, bills, savings, assets, and investments together in one tidier system.
Choose a Fineka Plan