Neraca

Take complete control of your financial life with Neraca - the modern, private, and offline-first personal balance sheet designed for clarity and peace of mind. Most finance apps force you into monthly subscriptions, require cloud account logins, or sell your data. Neraca is different: your financial data stays 100% on your device, private, and secure. ◆ COMPLETE BALANCE SHEET & NET WORTH • Track your total net worth at a glance with real-time asset and debt tracking. • Manage multiple accounts: Cash, Bank Accounts, E-Wallets, Investment Portfolios, and Assets. • Keep tabs on loans and debts (money borrowed or lent) with payoff projections. ◆ SMART BUDGETING & EXPENSE TRACKING • Propose Budget Engine: Automatically calculate realistic monthly category budgets based on your past spending habits and income guardrails. • Lightning-fast transaction entry with customizable categories, tags, and notes. • Recurring Transactions: Track subscriptions, recurring bills, and automatic salary schedules with zero manual effort. • Saving Goals: Set target amounts and track progress toward your dream purchases or emergency funds. ◆ INSTANT STATEMENT & E-WALLET IMPORTS Stop logging transactions one by one! Easily import e-statements and transaction histories: • Bank Statements: BNI, Jenius • E-Wallets: GoPay, OVO, DANA • Stock & Investment: Matched Order portfolio imports • Automatic deduplication, transfer detection, and smart rule categorization. ◆ 100% PRIVATE & OFFLINE-FIRST • No account creation or sign-up required. • Local-first architecture: Your data is stored securely on your iPhone. • App Lock & Face ID / Touch ID protection. • Easy offline backup and restore. ◆ FAIR & TRANSPARENT PRICING • Enjoy generous free daily additions, imports, and backups. • Upgrade to Neraca Pro with a simple ONE-TIME purchase. No endless subscriptions, no hidden fees-pay once, keep forever. Get clarity on your money. Start tracking with Neraca today!