Is MAPAN free to use?

Yes. Core features like transaction tracking, wallets, budgeting, and savings goals are free. Some advanced features are available in the Premium plan.

What is the 50/30/20 allocation method?

It splits income into 50% Needs, 30% Wants, and 20% Savings. MAPAN allocates it automatically every time you record income.

Does MAPAN connect to my bank account?

No. MAPAN is a self-managed tracking and planning tool. You stay in full control of your data and enter it yourself.

Is my financial data safe?

Your financial data is private and never shared with third parties. Access is protected by your account and login session.

Which features are included in Premium?

Automatic budget recommendations, Fund Analysis, Financial Roadmap, plus the AI Assistant and Receipt Scan (OCR).

What is Mapan Bisnis?

Mapan Bisnis is the business finance module inside MAPAN — covering a mobile-friendly cashier (POS), table orders and queue numbers, toppings and bundles, time-based rentals, catalog with barcodes, warehouse and stock, invoices, operating expenses, receivables and payables, a business dashboard, Excel/PDF export, and a complete Business Health analysis with scores and charts — designed for small businesses.

Is Mapan Bisnis separate from my personal finance account?

No. Mapan Bisnis runs on the same account — switch between your Personal and Business workspaces with one switcher, no new account needed.

What types of business does Mapan Bisnis support?

Food & Beverage, Retail/Shop, Services, Content Creator, Rental, Personal Business, and Others. Menu terms, getting-started steps, guided tours, and analysis focus adapt to the business type you choose.

I’m a new user — where should I start?

After signing up, the dashboard shows a Getting Started checklist — add a balance, create a pocket, record a transaction, set a budget, and create a goal. Short guided tours also appear on each page and can be replayed anytime via the "?" button.

Do I have to log in again every day?

Not necessarily. Tick "Remember this device" when logging in to stay signed in for 30 days. Without it, the session ends after 8 hours — recommended for shared devices.

One account. Personal + Business.

Personal and business finances, in one place.

Set budgets, track spending, reach your financial goals, and run your business from one account — no more juggling apps.

Start Free See How It Works

Free to start
No credit card
Works on your phone

09.41

PersonalTap to try Mapan Business

Welcome backRina Putri

Budget 27 Sep – 26 Oct

Rp 646.837

Main walletRp 0

SuggestGoalsInstallmentsBudgetHistoryInsightsInvestMore

This weekSpent Rp 1,113,240Calendar

MON1984rbTUE20101rbWED2164rbTHU2287rbFRI23778rbSAT24≤116rbSUN25≤116rb

This month's budget checkBudget

Free to spendRp 348.000Days left3 daysAvg. spend/dayRp 92.000Last 14 daysLastsUntil month end

Your budget lasts until month end. To stay safe, spend at most Rp 116.000/day.

Daily allowance per pocket

27 Sep – 26 Oct2

SavingsRp 2,120,000allocatedGoals2 activeavg. 1.7%Sub-wallets5Rp 3,750,000 total

Cash Flow Breakdown

Money in, money out, and savings in the active period.

Money inRp 5,1 jtMoney outRp 330 rbSavingsRp 2,1 jt

Net cash flowSurplus this month+Rp 2.650.000

Financial summary

BudgetWants still on track

Goals2 goals · avg. 1.7%

Financial RoadmapFIRE Number Rp 1,800,000,000

InvestmentsRp 1,290,000 · +Rp 0

HomeWalletReportsProfile

09.41

PersonalTap to try Mapan Business

Welcome backRina Putri

Budget 27 Sep – 26 Oct

Rp 646.837

Main walletRp 0

SuggestGoalsInstallmentsBudgetHistoryInsightsInvestMore

This weekSpent Rp 1,113,240Calendar

MON1984rbTUE20101rbWED2164rbTHU2287rbFRI23778rbSAT24≤116rbSUN25≤116rb

This month's budget checkBudget

Free to spendRp 348.000Days left3 daysAvg. spend/dayRp 92.000Last 14 daysLastsUntil month end

Your budget lasts until month end. To stay safe, spend at most Rp 116.000/day.

Daily allowance per pocket

27 Sep – 26 Oct2

SavingsRp 2,120,000allocatedGoals2 activeavg. 1.7%Sub-wallets5Rp 3,750,000 total

Cash Flow Breakdown

Money in, money out, and savings in the active period.

Money inRp 5,1 jtMoney outRp 330 rbSavingsRp 2,1 jt

Net cash flowSurplus this month+Rp 2.650.000

Financial summary

BudgetWants still on track

Goals2 goals · avg. 1.7%

Financial RoadmapFIRE Number Rp 1,800,000,000

InvestmentsRp 1,290,000 · +Rp 0

HomeWalletReportsProfile

Personal money in order, goals within reach.

50/30/20 budgets from your income
Savings goals with regular deposits
Insights and a financial roadmap

Organize My Finances

09.41

PersonalTap to try Mapan Business

Welcome backRina Putri

Budget 27 Sep – 26 Oct

Rp 646.837

Main walletRp 0

SuggestGoalsInstallmentsBudgetHistoryInsightsInvestMore

This weekSpent Rp 1,113,240Calendar

MON1984rbTUE20101rbWED2164rbTHU2287rbFRI23778rbSAT24≤116rbSUN25≤116rb

This month's budget checkBudget

Free to spendRp 348.000Days left3 daysAvg. spend/dayRp 92.000Last 14 daysLastsUntil month end

Your budget lasts until month end. To stay safe, spend at most Rp 116.000/day.

Daily allowance per pocket

27 Sep – 26 Oct2

SavingsRp 2,120,000allocatedGoals2 activeavg. 1.7%Sub-wallets5Rp 3,750,000 total

Cash Flow Breakdown

Money in, money out, and savings in the active period.

Money inRp 5,1 jtMoney outRp 330 rbSavingsRp 2,1 jt

Net cash flowSurplus this month+Rp 2.650.000

Financial summary

BudgetWants still on track

Goals2 goals · avg. 1.7%

Financial RoadmapFIRE Number Rp 1,800,000,000

InvestmentsRp 1,290,000 · +Rp 0

HomeWalletReportsProfile

Why we built MAPAN

Managing money shouldn't take a stack of apps.

The three problems we see most often in personal finances and small businesses:

Personal and business money get mixed

When they mix, it's hard to tell what's really yours and what's business capital.

Too many apps and spreadsheets

One for expenses, one for the cashier, another for stock — and none of the data connects.

Knowing revenue isn't knowing profit

Sales look busy, but without COGS and operating costs, the real profit is still a guess.

For personal finance

Not just tracking money. Know what to do next.

Understand your finances today and plan for tomorrow — from your first entry to a reached goal.

Record
Understand
Organize
Plan
Achieve

Know where your money goes before the month ends.

Split income into 50/30/20 buckets, set a budget per bucket, and see what's left before you overspend.

Budget
50/30/20 split
Wallets & pockets

Savings with a purpose, not leftovers.

Create goals with a target and deadline — MAPAN sets up the pocket and a monthly deposit plan.

Financial goals
Emergency fund
Regular deposits

Premium

Insights from your own data.

More than charts: MAPAN highlights what changed and suggests your next step.

“Your food spending is up 24% from last month.”

Monthly analysis
Suggested actions
AI assistant

Organize My Finances See all personal features

Financial Roadmap

Premium

Don't just know where you stand today — plan where you'll be.

The Financial Roadmap brings your emergency fund, risk profile, investments, and FIRE Number together into clear stages, with your next step.

Information, simulations, and the investment and roadmap features in MAPAN are educational only and are not financial or tax advice, or an offer to buy any specific investment product. Investment decisions are entirely your own responsibility.

Emergency fund
Risk profile
Investments
FIRE Number

For small businesses

Know whether your business is really making money.

Manage sales, stock, costs, and profit from one place — in the same account as your personal finances.

01 — Sell

Serve customers faster

Point of sale
Catalog & barcodes
Discounts & tax
Tables & queues
Time-based rentals

02 — Manage

Keep stock and ingredients in check

Stock & warehouse
Recipes
Bundles
Invoices & billing

03 — Understand

Know your real profit

Automatic COGS
Margin per product
Operating costs
Business health

04 — Grow

Decide with data

PDF & Excel reports
Sales trends
Team roles
Action plans

Great for:Shops & RetailFood & BeverageServices & FreelanceWholesale & Distribution

Manage My Business See all business features

Mapan Business is available on the Business Starter and Business Growth plans.

From your first entry to better decisions.

Five steps that turn financial records into a clear direction.

Step 1 of 5

Add your financial situation

Step 2 of 5

Set budgets and goals

Split income into 50/30/20 buckets and set savings goals.

09.41

Set Up Budget

1Split
2Items
3Apply

October 2026

NeedsRp 2.550.000

EssentialsRp 1.020.000

HealthRp 382.500

Bills & UtilitiesRp 510.000

TransportRp 637.500

WantsRp 1.530.000

ShoppingRp 535.500

EntertainmentRp 612.000

Eating OutRp 382.500

Savings · goalRp 1.020.000

Emergency FundRp 1.020.000

Transfer to budgetRp 4.080.000

Into savingsRp 1.020.000

From main walletRp 5.100.000

Main wallet balanceRp 5.100.000

Save as my template

Apply

Save template only

HomeWalletReportsProfile

Step 3 of 5

Record transactions

Log entries in seconds, or snap a receipt and let MAPAN read it.

09.41

Home

October budget

Rp 6.425.000

Main walletRp 1.200.000

Today's transactions

LunchFood−Rp 45.000
FuelTransport−Rp 30.000
October salaryIncome+Rp 8.000.000

Scan receipt

HomeWalletReportsProfile

Record a transaction

ExpenseShopping, bills, food

IncomeSalary, bonus, sales

TransferMove between wallets/pockets

SavingsSet aside for a goal

AdjustmentCorrect a balance

Scan ReceiptTurn a receipt into a transaction

Step 4 of 5

Get insights

See trends, month-over-month comparisons, and alerts before a budget runs out.

09.41

Financial Insights

WeeklyMonthlyYearly

September 2026

Total spending

Rp 3.528.623

12% vs last month

157 transactions · last month: Rp 3,150,000

Of monthly income71%

IncomeRp 5.120.000

Net (in – out)+Rp 1.591.377

Saved to goalsRp 994.000

Daily averageRp 117.621

Savings rate

31%

Ideal ≥ 20% of income

End-of-period projection

Rp 3.920.692

If spending pace holds

What you should know

You spent 71% of your monthly income — still healthy.

Spending is up 12% from the previous period.

Wants are up 24% from last period — try ordering delivery less.

HomeWalletReportsProfile

Step 5 of 5

Make better decisions

Know when to hold back spending, save more, or start investing.

Who MAPAN is for

Fits the way you manage money.

Pick the one closest to your situation and see how MAPAN helps.

Security & privacy

Your data stays yours.

A plain explanation of how your data is protected and used.

Not sold, not used for ads

We don't sell your personal data and don't use your financial data for targeted advertising.

Protected sign-in

Sign in with email or Google. Passwords are stored hashed, email is verified with an OTP code, and sessions use HttpOnly cookies.

Sensitive data encrypted

Phone numbers, addresses, and payment credentials are encrypted before they are stored.

No bank connection

MAPAN never asks for bank access. Subscription payments go through a licensed payment gateway — we don't store your card or account details.

Transparent about AI

AI features (assistant and receipt scan) process what you send through Google Gemini — only when you use them.

You stay in control

Request deletion of your account and personal data at any time through our support email.

Start free, upgrade when you’re ready.

Use the core features at no cost, then switch to Premium when you need deeper insights and automation.

One account replaces your money tracker, POS, inventory, and bookkeeping apps.

Compare quota details for all plans

Extra hemat 10%: 10% off on 1 year plans

Extra hemat 10% dengan langganan tahunan.

Promo code

Free forever

Free

Rp 0

No time limit

To start organizing your personal finances.

Transactions, wallets & pockets
Budgets & 50/30/20 split
Savings goals
Access from phone & desktop

Start Free

Bisnis Starter

Rp 49.000

Rp 69.000

1 month

Cheaper with code MAPAN10 on 1 year plans

Mulai kelola keuangan usaha Anda

Kelola 1 bisnis, hingga 3 anggota tim
Kas usaha terpisah dari dompet pribadi
Asisten AI keuangan — 15 pesan per bulan (personal)
Scan struk otomatis (OCR) — 8x per bulan (personal)
Semua fitur pro (personal)

Cocok untuk usaha yang baru mulai merapikan pembukuan.

Premium

Rp 15.000

Rp 29.000

1 month

Cheaper with code MAPAN10 on 1 year plans

Insight mendalam, asisten AI, dan scan struk untuk pengguna aktif.

Analisa pengeluaran mendalam
Asisten AI keuangan — 10 pesan per bulan
Scan struk otomatis (OCR) — 5x per bulan
Semua fitur paket Gratis

Hemat 48% dari harga normal Rp 29.000/bulan — harga promo peluncuran.

Short insights, ready to use.

Curated articles that help you take real action, not just add more theory.

All articles

BudgetOct 11, 2026

50/30/20 vs 80/20 Budgeting: Which Works Best for UMR Salary?

Struggling to manage an entry-level or minimum wage salary? Compare the 50/30/20 vs 80/20 budgeting rules to find the best method for you!

BusinessOct 2, 2026

Don't Get Trapped by Turnover! The Importance of Knowing Your COGS

Learn the importance of accurately calculating the Cost of Goods Sold (COGS) so your business doesn't lose money despite high turnover. Discover a real-life case study and a practical way to calculate COGS automatically using the business features on Mapan.digital.

Install MAPAN on your phone

Install straight from your browser or download the Android APK — no app store needed. Real-time notifications and one-tap access from your home screen.

Installing from the browser needs no extra permission. The Android APK needs the "install from unknown sources" permission on your phone — only download it from mapan.digital.

One account, synced on every screen

DesktopTabletMobile

Download Android APK

9.2 MB · Updated Oct 11, 2026