Sakuwise

Sakuwise is a personal budget and wealth tracking app for Indonesian users who value data privacy.

No servers. No analytics. No ads. Your financial data stays on your phone, encrypted at rest with AES-256.

═══ WHY SAKUWISE? ═══

If you're still maintaining your budget in Google Sheets because other apps are too complicated, too invasive, or require cloud syncing — Sakuwise was built for you.

The founder-developer was an early user. I used it myself every day before it was released to the public.

═══ KEY FEATURES ═══

📊 FLEXIBLE 50/30/20 PLAN
• Allocation of Needs / Wants / Investments with customizable percentages
• 3-level hierarchy: Allocation → Category → Item
• Starter template with 30+ Indonesian-style categories (Electricity, BPJS, Boarding House, Homecoming, etc.)
• Export & import plan templates via JSON

💰 MULTI-ACCOUNT TRACKING
• Cash, bank, e-wallet, or anything else
• Balance auto-computed from transactions
• Reconciliation feature: syncs with the original balance in your bank app

📈 INTEGRATED NET WORTH TRACKING
• Accounts + Gold + Property + Deposits - Debt = Total Wealth
• Net worth trend chart over time (3M / 6M / 1Y / All)
• Track gold purchases per gram (Physical & Digital prices separate)

📷 AUTOMATIC RECEIPT SCAN
• On-device OCR via ML Kit (no image upload to the server)
• Auto-fill expense forms from receipt photos
• Receipt photos attached to transactions as proof

🔍 RICH TRANSACTION HISTORY
• Filter by category, account, allocation
• Real-time search
• Sort by date / amount
• Spending analysis with 2 tabs: Daily Trends (interactive chart) & By Category
• From Home, the All Transaction History button goes directly to the month's details

💾 BACKUP YOU CONTROL
• PIN-encrypted backup to your preferred location (storage, USB, cloud-sync folder)
• Google Drive opt-in: sign-in once, auto-backup daily, restore from Drive list
• Minimum scope drive.appdata — the app's private folder that Google itself can't read
• Backup files persist after uninstallation — can be restored on a new phone

📄 PROFESSIONAL PDF REPORTS
• Generate green-branded financial reports
• Select period: this month / 30 days / this year / all time
• Export CSV / XLSX for analysis in an external spreadsheet
• Import CSV for migration from other apps

🔒 TRULY PRIVATE PRIVACY
• AES-256 encrypted database (SQLCipher)
• Lock in Android Keystore (hardware-backed when available)
• PIN-derived encrypted backups via Argon2id
• No internet permissions unless you opt-in to Drive backup
• No analytics SDK, no tracking library

🔓 LOCK WITH BIOMETRICS
• Fingerprint or face (BiometricPrompt Android)
• 6-digit PIN fallback
• Auto-lock with adjustable duration

═══ SUITABLE FOR ═══

✓ Salaried professionals who track finances in manual spreadsheets
✓ Those with multi-asset investments (gold, property, deposits)
✓ Those who value privacy and don't want financial data in the cloud
✓ Middle-class Indonesians with familiar spending categories
✓ Those tired of budget apps that push ads and upsells

═══ NOT SUITABLE IF ═══

✗ You need automatic syncing between devices (V1 doesn't have this)
✗ You need a shared budget with your partner/family (V2 backlog)
✗ You need direct integration with Indonesian banks (no manual entry required)
✗ You need an iOS app (Android only in V1)

═══ ABOUT THE DEVELOPER ═══

Sakuwise is independently developed by Gusti Adhitya in Indonesia. The app is free, ad-free, and has no in-app purchases.

If you like it and want to support development, there's a Saweria link inside the app (optional, external).

Contact: gakadigilabs@gmail.com
Privacy policy: https://gustiadhitya8.github.io/sakuwise-android/privacy/
Source code: https://github.com/gustiadhitya8/sakuwise-android (public, self-audited)

Plan. Record. Relax.