Payday Allocation
Salary just landed — allocate every rupiah before spending anything.
Salary: Rp 13.325.000 · Extra income: Rp 0 · Total: Rp 13.325.000
BCA
Bills — transfer here first, don't touch for anything else
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For bills due this month
BRI
Savings — transfer and lock it away
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Savings target this month
Savings contribution—
Mandiri
Spending + buffer — what's left is yours
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Daily life + Grab + emergencies
Allocated—
Spent (from Expenditure)Rp 0
Remaining—
Auto-synced from Expenditure tab — Mandiri purchases only.
Income
—
Committed
—
Remaining
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Salary
Rp 13.325.000
Business Trip / Extra
Rp 0
GoPay / OVO Top-Up
Covers food & transport
Max budget
Rp 1.000.000
Top up at start of month — log in Expenditure as Food & Drinks or Transportation.
Bills due
Expenditure — January
January — The honest truth
Log your expenditure to see your summary.
Income
—
Committed
—
Remaining
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Salary
Rp 13.325.000
Business Trip / Extra
Rp 0
GoPay / OVO Top-Up
Covers food & transport
Max budget
Rp 1.000.000
Top up at start of month — log in Expenditure as Food & Drinks or Transportation.
Bills due
Expenditure — February
February — The honest truth
Log your expenditure to see your summary.
Income
—
Committed
—
Remaining
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Salary
Rp 13.325.000
Bonus / Extra
Rp 0
GoPay / OVO Top-Up
Covers food & transport for the month
Max budget
Rp 1.000.000
Top up this amount at the start of the month — log it in Expenditure as Food & Drinks or Transportation. No need to track individual rides.
Bills due
Expenditure — March
March — The honest truth
Log your expenditure to see your summary.
Income
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Committed
—
Remaining
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Salary
Rp 13.325.000
Business Trip / Extra
Rp 0
Savings goal
✈ Phuket Fund
June 11–16
Target: Rp10–12M
Target: Rp10–12M
Rp 0
Goal: Rp 10M by June 11 · On track if plan holds
Shopping Guard — April
Budget this monthRp 0 — closed
Rule: No Shopee PayLater. No new debt. Survive clean.
GoPay / OVO Top-Up
Covers food & transport for the month
Max budget
Rp 750.000
Top up this amount at the start of the month — log it in Expenditure as Food & Drinks or Transportation. No need to track individual rides.
Bills due
Expenditure — April
April — The honest truth
Log your expenditure to see your summary.
Income
—
Committed
—
Remaining
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Salary
Rp 13.325.000
Business Trip / Extra
Rp 0
Phuket Outfit Budget 👙
AllocatedRp 1.000.000
SpentRp 0
RemainingRp 1.000.000
⚠ Outfit budget exceeded! Step away from the cart.
Cash or debit only — no Shopee PayLater.
GoPay / OVO Top-Up
Covers food & transport for the month
Max budget
Rp 850.000
Top up this amount at the start of the month — log it in Expenditure as Food & Drinks or Transportation. No need to track individual rides.
Bills due
Expenditure — May
May — The honest truth
Log your expenditure to see your summary.
May savings target
After bills + top-up + outfit:
~Rp 3.700.000
Save this untouched. Don't touch it.
Income
—
Committed
—
Remaining
—
Salary
Rp 13.325.000
Business Trip / Extra
Rp 0
Phuket departs
June 11 — You made it.
11–16 June 2026
Projected cash in hand:
~Rp 10.200.000
May Rp3.7M + June Rp6.5M = Rp10.2M ✓
Bills due before Phuket
GoPay / OVO Top-Up
Covers food & transport for the month
Max budget
Rp 1.000.000
Top up this amount at the start of the month — log it in Expenditure as Food & Drinks or Transportation. No need to track individual rides.
Expenditure — June
June — The honest truth
Log your expenditure to see your summary.
June rule: Pay Shopee (Rp 2.77M) on June 11 before boarding.
June rule: No new PayLater. Ticket + hotel already paid.
Income
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Committed
—
Remaining
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Salary
Rp 13.325.000
Business Trip / Extra
Rp 0
Savings goal
🎂 Shala's Birthday Fund
Target
Rp 3.000.000
Rp 0
Emergency fund · BRI
🛡 Start small, grow steady
July target
Rp 500.000
Rp 0
GoPay / OVO Top-Up
Covers food & transport
Max budget
Rp 1.000.000
Top up at start of month — log in Expenditure as Food & Drinks or Transportation.
Bills due
Expenditure — July
July — The honest truth
Log your expenditure to see your summary.
Income
—
Committed
—
Remaining
—
Salary
Rp 13.325.000
Business Trip / Extra
Rp 0
🎂🎉
Birthday Month!
Yours & Shalahuddin's. You've got this — it's planned, not impulsive.
Shala's Birthday 🎂
Cash: Rp 3M + CC: Rp 10M
Cash saved from July + August. CC gift on 3x installments (~Rp 3.5M/mo Aug–Oct).
Total saved: Rp 0
🚫 No Shopping Month
You committed: zero new PayLater, zero wants spending August–October. Heavy CC installments this month — stay the course.
Emergency fund · BRI
🛡 Building slowly
August target
Rp 300.000
Rp 0
Bills due
Expenditure — August
August — The honest truth
Log your expenditure to see your summary.
Income
—
Committed
—
Remaining
—
Salary
Rp 13.325.000
Business Trip / Extra
Rp 0
🎉
PayLater Freedom Month
Last Shopee PayLater: Rp 1.128.470. After this — no more PayLater debt. Ever again.
Emergency fund · BRI
🛡 Now we grow it properly
September target
Rp 1.500.000
Rp 0
🚫 No Shopping Month
Still on the commitment — no PayLater, no wants. CC gift installment still running. Hold the line.
Bills due
Expenditure — September
September — The honest truth
Log your expenditure to see your summary.
Income
—
Committed
—
Remaining
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Salary
Rp 13.325.000
Business Trip / Extra
Rp 0
🏁 Post-Debt Era Begins
PayLater: gone. CC gift final installment this month. From November — pure savings mode.
🚫 No Shopping Month
Commitment active — no new PayLater, no wants purchases.
Emergency fund · BRI
🛡 Emergency Fund · BRI
Target
Rp 2.000.000
Rp 0
GoPay / OVO Top-Up
Covers food & transport
Max budget
Rp 1.000.000
Top up at start of month — log in Expenditure as Food & Drinks or Transportation.
Bills due
Expenditure — October
October — The honest truth
Log your expenditure to see your summary.
Income
—
Committed
—
Remaining
—
Salary
Rp 13.325.000
Business Trip / Extra
Rp 0
Emergency fund · BRI
🛡 Emergency Fund · BRI
Target
Rp 2.000.000
Rp 0
GoPay / OVO Top-Up
Covers food & transport
Max budget
Rp 1.000.000
Top up at start of month — log in Expenditure as Food & Drinks or Transportation.
Bills due
Expenditure — November
November — The honest truth
Log your expenditure to see your summary.
Income
—
Committed
—
Remaining
—
Salary
Rp 13.325.000
Business Trip / Extra
Rp 0
🎄✨
December — End of Year
You made it through 2026. How far you've come.
Emergency fund · BRI
🛡 Emergency Fund · BRI
Target
Rp 2.500.000
Rp 0
GoPay / OVO Top-Up
Covers food & transport
Max budget
Rp 1.000.000
Top up at start of month — log in Expenditure as Food & Drinks or Transportation.
Bills due
Expenditure — December
December — The honest truth
Log your expenditure to see your summary.
Recap 2026
Your full year — the wins, the waste, the habits, and the truth.
Start logging monthly data — your 2026 recap will build here automatically.
Outstanding Debt
Your real remaining debt right now. Mark each as paid when done. Tap amounts to edit.
Shopee PayLater
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GoPay PayLater
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Credit Card Installments
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Total outstanding debt
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Clears fully by September 2026 if no new debt added.
Credit Card Usage
Enter your real CC bill each month. I'll break it down into installments, subscriptions, and your own spending.