Finally feel in control
of your money
CoFinance quietly tracks your spending, keeps budgets on course, and grows your savings — so money stops being a source of stress.
Free forever for personal use · No credit card needed
Your month at a glance
June 2026
Balance
Rp 128.450.000
Income
+Rp 24.500.000
Spending
-Rp 16.230.000
34%
average savings rate our users reach after 3 months
Rp 8.160.000 / Rp 12.000.000
Why CoFinance
One companion for every rupiah
Every transaction, captured
Connect your bank and e-wallets once. CoFinance sorts every purchase into the right category — no manual entry, no spreadsheets.
Kopi Kenangan
Food & drink
-Rp 24.000
Gojek ride
Transport
-Rp 38.500
Salary — PT Maju
Income
+Rp 24.500.000
Budgets that breathe
Overspent on food this week? Your other budgets adjust automatically so the month still works out.
Goals that get reached
Set a target, automate weekly top-ups, and watch the progress bar do its thing.
Insights, not lectures
Gentle nudges when spending drifts — never guilt trips. See patterns you’d miss.
Private by design
Bank-level encryption, read-only connections. Your data is never sold. Ever.
Goes further
Where CoFinance goes further
AI that respects your rules, and a view of your wealth that reaches well beyond Rupiah.
An AI that asks first
CoAssist proposes budget tweaks and new pockets, then waits for your yes. It never moves money on its own.
Snap it, don’t type it
A receipt photo, an e-wallet screenshot, a messy spreadsheet — CoFinance reads it and files every line.
Growth that’s actually real
See your portfolio in Rupiah, dollars, gold, or Bitcoin — and find out if you’re truly getting ahead.
Every market, one screen
IDX and US stocks, gold, and crypto — live prices, all converted to Rupiah for you.
Deposits that can’t fib
Track the promo rate against what actually lands in your account — month by month, no surprises.
Your money, your rules
Write guardrails in plain words, sign in with a passkey, even plug in your own AI.
How it works
Up and running before your coffee cools
01
Connect your accounts
Link banks and e-wallets with read-only access in under two minutes.
02
Set your plan
Pick budgets and goals — or accept the smart defaults CoFinance suggests from your history.
03
Live your life
CoFinance tracks, nudges, and saves in the background. Check in whenever you like.
“I stopped dreading the end of the month. CoFinance feels less like an app and more like a friend who’s good with money.”
Ayu Rahmawati
Product designer, Jakarta
12.000+
people budgeting with CoFinance
Rp 2,1 M
tracked every single month
4,8 / 5
average rating on app stores
Your money deserves a companion
Join 12.000+ people who finally know where their money goes — and where it’s headed.
Create your free account