Sisa Saldo

Record your finances, debts & savings, and consult with an AI Financial Planner

Sisa Saldo is a comprehensive financial app that helps you easily record daily income and expenses, categorize transactions using category emojis, view monthly summaries, and filter transactions by date or category. You can also manage your savings by creating deadline-based targets, visually track progress, see the remaining time toward your goals, and even share your savings account with your partner or family. For debt management, Sisa Saldo lets you record debt with fixed or floating interest rates, monitor repayment progress, view remaining tenors and outstanding amounts, and access a complete payment history.

You can also record transactions faster with the Scan Receipt (OCR) feature. Simply take a photo of your receipt, and AI will automatically read the amount, store, and date, filling in the transaction form immediately. This feature supports receipts from various convenience stores, including Indomaret and Alfamart. Sisa Saldo also features a free AI Consultation to help you get financial advice based on your financial situation, including recommendations for managing savings, debt, and expenses, complete with daily money management tips.

To gain a deeper understanding of your financial situation, the Statistics and Analysis feature includes a financial health score, Debt-to-Income Ratio analysis, expense breakdowns by category, and improvement recommendations. This app also provides a comprehensive credit simulator, including mortgage (KPR), Sharia mortgage (KPR Syariah), car loans, motorcycle loans, and personal loans (KTA), including monthly installment calculations and total costs.

Remaining Balance also has a social feature that allows you to share financial tips and stories, follow other users, like, reply, and repost, with real-time notifications for every interaction. Finally, you can build a long-term financial plan through the Financial Roadmap, including emergency fund targets, debt repayment plans, investment targets, and monitoring your financial milestones over time.