MAPAN Goals, Installments & Roadmap

Save toward clear goals, keep installments and receivables under control, and map your way to financial freedom.

Savings Goals

Set a target, and MAPAN helps you put a little aside every month.

Automatic Pocket

Every goal gets its own pocket, kept apart from your spending money.

Monthly Target

Add a deadline and the monthly deposit is calculated for you.

Open Tabungan & Goals (Savings & Goals) and tap "Tambah Goal" (Add goal).

Enter a name (e.g. Emergency Fund), a target, and a deadline.

Add a starting deposit if you have one, then save.

Add to it anytime with a Tabungan (Saving) transaction or a Transfer.

Track installments, credit cards, paylater, or loans — MAPAN reminds you before they're due. Free for everyone.

Open Cicilan & Tagihan (Installments & Bills), the Utang (Debts) tab, and tap "+ Cicilan".

Choose the type, then enter the monthly amount, the term, and the next due date.

Already paying? Enter how many installments are already paid.

Save — a reminder arrives at 08:00 before the due date.

Tap "Bayar" (Pay) on the installment card or on Home.

Choose Bayar dari (Pay from) — your main balance or a pocket.

Tap "Catat Pembayaran" (Record payment) — the due date moves to next month.

Track money you've lent, or split a bill you paid first.

Piutang (Receivable)

Choose Sekali bayar (One-time) or Dicicil per bulan (Monthly installments). Money paid back is recorded as income.

Patungan (Split bill)

Split a bill (e.g. a group dinner) among several people — each person's share becomes a receivable automatically.

In the Piutang tab, tap "Patungan".

Enter the bill name and the total you paid.

Add people and their shares — or tap "Bagi rata" (Split evenly).

Set a collection date and tap "Simpan Patungan" (Save).

Calculate how much you need to be financially free and when you'll get there. Available on the Premium plan and above.

Financial Freedom Number

The amount whose returns can cover your monthly spending.

Three Stages

Emergency Fund, Coast FI, and Financial Freedom — each with its progress.

Open Roadmap Finansial (Financial Roadmap) and complete the requested data.

Enter the age you want to be free — the monthly deposit is calculated for you.

Adjust assumptions such as returns and inflation if needed.