CHECKO · Check Before Checkout

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7 days to payday

Left today Rp0

Rp0 Safe per day

Monthly safe balance Rp0 Bills this month Rp0

Saved this year

Rp0

Annual target Rp10.000.000 0%

0Held purchases 0Skipped this year

Pemula Hemat Kamu sedang di jalur yang tepat untuk mencapai target tahun ini. 💚

Today focus What to keep an eye on today

Summary report Your financial summary

Total balanceRp0 Expected incomeRp0 UnreimbursedRp0 Total loansRp0

Bill statistics

Loans and fixed costs by due time.

Loans & installments

Loan details

AI auto record + manual edit

Category Name Total amount Monthly installment

Payment day Paid (months)

Months left Paid off

Credit cards

Credit cards & Paylater — rolling balance.

Card details

Limit, due date and fees.

Type Card name Credit limit Current balance owed

Due date Transaction fee

Annual fee

Pay in full Auto

Fixed costs

Fixed cost details

AI auto record + manual edit

Fixed cost category Name Per payment

Payment day

Validity Open-ended

Contract length (months) Contract end date

Summary report

Spending by category

Income vs expense

Net balance trend

Account distribution

Debt payoff forecast

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Budget details

AI auto record + manual edit

Category Name Cycle Budget amount Used

Balance

Target Tabungan

Tap to set a goal

Balance details

Add or edit banks, wallets, crypto, and stocks.

Account type Name Account number Balance

Cashflow

Projected balance after essentials, bills, and daily spending patterns.

Tren Saldo Bersih Saldo Bersih (Rp)

Geser ke kiri/kanan untuk melihat hari lainnya.

Rincian Cashflow Harian

Income

Name Amount Date Income typeDefault

Into accountDefault

Expected income

AI can record automatically, manual edits stay available.

Income type Name Amount

Expected in days Expected date

Recurrence Repeat monthly

Reimbursements

Pending Rp0

Received Rp0

Credits 0

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Gold ≤30d=10

Platinum ≤30d=25

+1 Basic / +3 Premium for every renewal after that.

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Your link

Emergency fund

Safe balance subtracts this. Leave empty = auto.

Current plan Gratis

Secure encrypted payments Your data is protected with strong encryption.

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Tools

Salin Cepat

Split bill

Split details

Merchant Date

Items

Subtotal Tax Service Total

Who's splitting?

Tahan untuk ubah / hapus nama

Income tax (PPh 21)

Monthly gross salary PTKP status

Estimates only — confirm with DJP/your tax consultant.

Property tax (PBB)

NJOP (assessed value) NJOPTKP (non-taxable)

Estimates only — confirm with DJP/your tax consultant.

VAT (PPN)

Amount Rate %

Estimates only — confirm with DJP/your tax consultant.

Loan calculator

Loan amount

Installment / month Tenor (months)

Admin fee (Rp) Fee (%)

Admin fee is included. "Effective" = the real rate you pay.

Currency converter

Amount

From To

Live rates, updated daily.

Kupon & promo pilihan — klik buat pakai. Beta

AI Karakter

Pilih tipe dan kepribadian karakter AI.

Avatar AI

Pilih avatar untuk karakter AI.

Upload FotoGunakan foto sendiri sebagai avatar AI.

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Password

Set or change your login password. You can still sign in with an email code.

New password

Confirm password

LanguagePick the assistant language.

CurrencyDisplay unit for all amounts. Payments stay in IDR.

TimezoneDrives 'today' + daily cashflow.

Appearance

Dark mode and accent color.

Theme Follow your device or pick a look.

Animations Smooth transitions & effects. Turn off if your phone feels slow.

Simple mode Chat handles add/edit. Hide detailed CRUD panels.

Compact amounts Use Rp 1.5jt instead of Rp 1.500.000 in tight spots.

AI

How chat uses your AI quota.

Auto-use AI quota Off = each AI question asks for confirmation first (saves quota).

Confirm AI changes Ask before chat adds or changes expenses.

Security & reminders

App lock and bill notifications.

Due reminders Bills & loans due within 3 days. Days before due hari

Budget reminders When a category hits 80%. Budget alert %

Pending reminders Due bills/income awaiting confirmation.

Face / fingerprint unlock Lock the app behind Face ID / fingerprint. Auto-clear chat Delete chat older than 30 days.

Tentang Checko

Checko

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Pusat Bantuan

Syarat Layanan

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What's new

Last checked: —

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Cloud sync

Data auto-saves to your account. Turn off to sync manually only.

Auto sync

Backup & restore

Export a file you can keep safe or move to a new device.

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Keep going

Bill statistics

Loans & installments

Loan details

Credit cards

Card details

Fixed costs

Fixed cost details

Summary report

Budget details

Balance

Balance details

Cashflow

Income

Expected income

Reimbursements

Your invitees

Credit history

Emergency fund

Tools

Salin Cepat

Split bill

Split details

Income tax (PPh 21)

Property tax (PBB)

VAT (PPN)

Loan calculator

Currency converter

AI Karakter

Avatar AI

Panggilan

Linked accounts

Password

Login email

Appearance

AI

Security & reminders

Tentang Checko

Pusat Bantuan

Syarat Layanan

Kebijakan Privasi

Import transactions

Cloud sync

Backup & restore

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