Nabung Receh

Personal finance for Indonesia: pockets, debts, stocks & recurring bills.

Receh - Personal Finance

Every receh counts. Track every coin, grow every rupiah.

Receh (Indonesian for "spare change") is a complete personal finance app built around the idea that small money matters. Organize your cash into pockets, log every transaction, track debts you owe and lend out, monitor your stock portfolio in real time, and watch your net worth grow - all in one place.

------- WHAT YOU CAN DO -------

• Track income, expenses, and transfers Log every transaction with categories and notes. Infinite-scroll history, fast search, and a clean ledger that handles thousands of rows without lag.

• Pockets (envelope budgeting) Split your money into pockets - Daily, Emergency Fund, Travel, anything. Each pocket has its own balance, history, and progress toward a goal.

• Investment pockets Mark any pocket as an investment, set an annual rate, term, and compounding frequency (daily, monthly, quarterly, yearly, or continuous). Receh calculates unrealized gain, projected value, and value at maturity automatically.

• Recurring transactions Set up salary, rent, subscriptions, or any repeating bill once. Receh auto-creates the transactions on schedule, with pause, resume, and run-now controls.

• Debt tracker Track money you owe and money lent to friends or family. Record payments, accrue interest, and use the payoff calculator with avalanche or snowball strategies to clear debts faster.

• Live stock and crypto portfolio Track holdings across US stocks, Indonesian IDX tickers (.JK), and crypto. FIFO cost basis, realized and unrealized P&L, and prices refreshed automatically in the background.

• Insights dashboard See net balance, savings rate, top spending category, upcoming bills, and trend charts at a glance. Filter by Today, 7D, 30D, MTD, YTD, or a custom range. Net worth card combines cash, investments, receivables, and debts.

• Investment calculator Project future value with monthly contributions and compounding interest. Year-by-year chart shows how your money grows.

• AI-ready Receh works with Claude and other AI assistants through MCP, so you can add transactions, record payments, and check balances using natural language.

------- DESIGNED FOR INDONESIA -------

Built around how Indonesians actually manage money - multiple pockets, informal debts, IDX stocks, and the cultural habit of nabung receh. Rupiah-first formatting throughout.

------- FAST, OFFLINE-FIRST -------

Open the app, see your data instantly, even on a flaky connection. Changes sync when you're back online.

------- PRIVACY -------

Your data is yours. Receh stores tokens securely on-device (EncryptedSharedPreferences) and only syncs what you authorize. No ads, no tracking SDKs, no selling data.

------- FREE -------

All core features are free. No paywalls on tracking, pockets, debts, or portfolio.

Start small. Track every receh. Grow every rupiah.