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Enjoy Your Free Time. Keep Track of Your Expenses.

Managing Your Finances Is Now as Easy as Sending a Message!

Man in glasses relaxing at a café with coffee and his phone, joined by the Temi mascot
Hi! I'm Temi, your AI companion for managing finances and business through chat.10:45
Voice message10:46
I heard that today's fleet maintenance cost Rp2,450,000. Should I record it?10:46
Yes, please record it.10:47
Done! Recorded. 10:47
  • 100%Secure & Private
  • No Download RequiredDirectly on WhatsApp & Telegram

3 Easy Steps

Just like your everyday chats, sigap.ai automatically records transactions, provides insights, and generates reports based on your messages.

  1. 1

    Send a Message

    Type, send a voice note, or attach a file, just like a normal chat.

  2. 2

    Automatically Recorded

    sigap.ai calculates your costs, expenses, income, and profits.

  3. 3

    Get Your Report

    Your detailed report is sent directly to WhatsApp or Telegram.

Who is sigap.ai for?

Daily Finances in Order, Right From Chat

Managing your daily finances just got simpler. Temi records your income and expenses through chat, shows you where most of your money goes, and reminds you before you go over budget, so you feel more in control of every decision.

Feature DescriptionUse Case
Record financial transactions via chat in everyday language, including corrections and cancellations.
Easily record daily income and expenses anytime via WhatsApp.
Automatically reads photos of receipts, e-wallet/bank statements, and invoices.
Upload a photo of a shopping receipt or a mobile banking screenshot and it's recorded right away.
Ask for your balance and get instant figures: profit, remaining cash, net worth, this month vs. last month.
Know your spare cash and an estimate of what's 'safe to spend until payday'.
Breakdowns by category, wallet, store/person, activity, or time; biggest expenses.
See where most of your money goes each month.
Set budgets with automatic alerts when you approach or exceed a limit.
Prevent overspending in specific categories (such as dining out or entertainment).
Savings Goals, round-up savings, and an option to withdraw savings.
Helps you build an emergency fund or save for something you've been dreaming of.
Record repeat transactions and recurring bills with reminders.
Make sure electricity, internet, or streaming bills are never missed.
Record transactions instantly just by sending a voice note.
Handy when you're on the go or don't have time to type.
Hi! I'm Temi, your AI companion for managing finances and business through chat.10:30
Hi!10:30
Which language would you like to use? ( Indonesian · English)10:30
English, please.10:30
What should I call you?10:31
Boss Ipul10:32
Let's record your first transaction, Boss Ipul! Is it income or an expense?10:32
Spent Rp150,000 on a bag.10:33
How much cash do you currently have? (e.g., Rp500,000, or type 'skip')10:33
Cash balance: Rp2,000,000.10:34
September 2026 Report: Expense — Bag Purchase: Rp150,000 Remaining Balance: Rp1,850,00010:34

From Chat to Reports. Automatically.

PersonalTrack your income and expenses, monitor your finances, and stay on budget with Temi.

Managing your daily finances just got simpler. Temi records your income and expenses through chat, shows you where most of your money goes, and reminds you before you go over budget, so you feel more in control of every decision.

  • Chat-Based Tracking

    Easily record daily income and expenses anytime via WhatsApp.

    Record financial transactions via chat in everyday language, including corrections and cancellations.

  • Receipt & Bank Transaction Uploads

    Upload a photo of a shopping receipt or a mobile banking screenshot and it's recorded right away.

    Automatically reads photos of receipts, e-wallet/bank statements, and invoices.

  • Instant Financial Summaries

    Know your spare cash and an estimate of what's 'safe to spend until payday'.

    Ask for your balance and get instant figures: profit, remaining cash, net worth, this month vs. last month.

  • Transaction Details

    See where most of your money goes each month.

    Breakdowns by category, wallet, store/person, activity, or time; biggest expenses.

  • Budgets & Alerts

    Prevent overspending in specific categories (such as dining out or entertainment).

    Set budgets with automatic alerts when you approach or exceed a limit.

  • Savings Goals

    Helps you build an emergency fund or save for something you've been dreaming of.

    Savings Goals, round-up savings, and an option to withdraw savings.

  • Recurring Bills

    Make sure electricity, internet, or streaming bills are never missed.

    Record repeat transactions and recurring bills with reminders.

  • Voice Notes

    Handy when you're on the go or don't have time to type.

    Record transactions instantly just by sending a voice note.

Hi! I'm Temi, your AI companion for managing finances and business through chat.10:30
Hi!10:30
Which language would you like to use? ( Indonesian · English)10:30
English, please.10:30
What should I call you?10:31
Boss Ipul10:32
Let's record your first transaction, Boss Ipul! Is it income or an expense?10:32
Spent Rp150,000 on a bag.10:33
How much cash do you currently have? (e.g., Rp500,000, or type 'skip')10:33
Cash balance: Rp2,000,000.10:34
September 2026 Report: Expense — Bag Purchase: Rp150,000 Remaining Balance: Rp1,850,00010:34
EmployeesMake your salary last until next payday, remember recurring bills, and reach your savings goals more easily with Temi.

Make your money last until the end of the month. Temi records your spending through chat, receipt photos, or voice notes, tells you how much is still safe to spend until payday, reminds you of installments and monthly bills, and helps you set aside savings.

  • Receipt & Invoice Scanning

    Essential for keeping proof of fuel, client meal, or business trip expenses.

    Automatically reads photos of receipts and invoices.

  • Reimbursement Tags

    Separates your personal money from office expenses you need to claim.

    Mark office expenses with an activity tag for reimbursement claims.

  • Business Expense Logging

    Handy for recording operating expenses while working out of the office.

    Quickly record business trip or daily expenses via text or voice note.

  • Activity Reports

    Makes it easy to total the expenses of a business trip before claiming.

    Activity tags (e.g. 'Surabaya Trip', 'Client X Project') and per-activity reports.

  • Safe to Spend Until Payday

    An employee favorite that keeps your salary from running out before the end of the month.

    Calculates your balance and the amount 'safe to spend until payday'.

  • Recurring Bill Reminders

    Avoids late fees on your monthly bills.

    Reminders for recurring bills (mortgage, personal loans, motorcycle installments, electricity, paylater).

  • Savings Goals

    Helps you set aside your holiday allowance, bonus, or yearly vacation savings.

    Automatic savings goals and round-up savings from transactions.

Spent Rp60,000 on lunch earlier.14:20
Got it! Rp60,000 in expenses has been recorded. 14:20
Also record this month's rent payment of Rp1,500,00014:21
Done! Your Rp1,500,000 rent payment has been recorded.14:21
How much can I safely spend until my next payday?14:22
I'll calculate that based on your available balance and recorded expenses.14:22
Safe to spend until payday: Rp1,340,000 About Rp89,000 a day for the next 15 days.14:22
F&B Business OwnersRecord sales and ingredient purchases, monitor stock, and see your business profit more easily with Temi.

Your POS records sales, but market runs, operating costs, and supplier debts often slip through the cracks. Temi records daily sales and all your purchases and costs through chat or receipt photos, monitors ingredient stock, and shows your real profit after the cost of goods and all other expenses.

  • Sales & Ingredient Purchases

    Makes it easy for staff, cashiers, and owners to record market runs and daily revenue via WhatsApp.

    Record daily sales and ingredient purchases per item, plus supplier credit.

  • Purchase Receipt Scanning

    Saves time entering daily ingredient purchases with many items.

    Scan market receipts and food ingredient invoices.

  • Stock & Restock Suggestions

    Prevents running out of key ingredients (such as coffee, milk, or meat) during peak hours.

    Tracks ingredient and finished product stock, with automatic restock suggestions.

  • Profit & Loss Reports

    Shows your true profit margin after cost of goods sold and operating costs.

    Profit and loss reports with operating cost details and profit per product or menu item.

  • Sales Reports & Best Sellers

    Helps you decide which menu items to keep or drop.

    Comprehensive sales reports and best-selling menu analysis.

  • Instant Cash & Revenue Checks

    Owners can check restaurant performance anytime without being on site.

    Ask for your cash balance, daily revenue, and net profit instantly via chat.

  • Branch Management

    Monitor the financial performance of café branch A vs branch B in one account.

    Manage multiple restaurant or café branches, with profit tracking per outlet.

  • Supplier Debts & Staff Advances

    Tracks what you owe ingredient suppliers and employee cash advances.

    Record debts to suppliers and cash advances for kitchen or service staff.

Made Rp1.9 million in sales today.15:30
Got it! Rp1,900,000 in sales has been recorded. 15:30
Spent Rp620,000 on ingredients.15:31
Got it! Rp620,000 in expenses has been recorded.15:31
How much profit did I make today?15:32
I'll calculate it based on today's sales, costs, and expenses.15:32
Today's profit: Rp1,280,000 Sales Rp1,900,000 Expenses Rp620,00015:32
Retail Business OwnersKeep stock, sales, and customer receivables under control with Temi.

Record sales as fast as you serve customers. Temi records wholesale and retail transactions through chat or voice, reads supplier invoices with many items, tells you which items need restocking, and shows the margin on each item plus unpaid receivables.

  • Wholesale & Retail Sales

    Keeps your store's customer credit and payment terms neatly recorded.

    Record wholesale and retail transactions, customer credit, and repayments.

  • Supplier Invoice Photos

    Speeds up recording incoming goods from distributors and wholesalers.

    Photograph supplier or purchase invoices with many items.

  • Quick Entry at Busy Times

    Owners and store staff can enter sales right away without a complicated POS computer.

    Quickly enter sales via chat or voice when the store is busy.

  • Real-Time Stock & Reorders

    Avoids dead stock and running out of best sellers.

    Real-time stock counts and reorder suggestions for items running low.

  • Multi-Location Stock

    Keeps stock in sync between your main warehouse and retail store.

    Manage stock in your store, back warehouse, or across store locations.

  • Margin per Item

    Shows which items are the most profitable (high margin).

    Profit margin reports per retail item or SKU.

  • Revenue & Receivables Checks

    Gives owners full control over the store's daily cash flow.

    Ask for your daily revenue, unpaid receivables, and remaining store cash instantly.

  • Fast & Slow Movers

    Helps you plan discounts for slow-moving items.

    Analyze fast-moving vs slow-moving items.

Temi, I sold 2 plain T-shirts for Rp150,000 in total.11:30
Got it! Rp150,000 in sales has been recorded. 11:30
Bought 5 plain T-shirts for Rp250,000.11:31
Got it! Stock purchase recorded: 5 plain T-shirts for Rp250,000.11:31
How many plain T-shirts do I have left in stock?11:32
Let me check your current stock of plain T-shirts.11:32
Plain T-shirts in stock: 23 pcs Enough for about 12 days, no restock needed yet.11:32
Padel Court OwnersTrack court and racket rentals, operating costs, and your padel business profit more easily with Temi.

Your booking app tracks the schedule, but court electricity, maintenance, coach salaries, and canteen purchases are often tracked separately. Temi records rental and canteen income along with all your costs through chat or receipt photos, monitors ball and drink stock, and shows the profit of each court.

  • Rentals, Coaching & Canteen

    Court staff or cashiers just chat with Temi to record daily rental income.

    Record court rental payments, coaching fees, racket rentals, and canteen sales.

  • Transfer Proof Photos

    Makes it easy to verify transfers from players and members.

    Photograph court booking transfer proofs (deposit or full payment) and operating receipts.

  • Profit per Court

    Tracks income and maintenance costs for each court (Court 1, Court 2, and so on).

    Projects/jobs in your business books, with profit tracking per project or court.

  • Rental & Canteen Catalog

    Lists hourly rental rates and the selling prices of balls, grips, and isotonic drinks.

    Catalog of rental items (rackets, balls), canteen food and drinks, and merchandise.

  • Balls, Grips & Canteen Stock

    Keeps merchandise and F&B inventory available at your padel club.

    Stock control for padel balls, grips, and food and drinks.

  • Operating Cost Reminders

    Keeps the biggest operating costs of a padel business under control (lights and court maintenance).

    Reminders for land rent, high-power electricity (court lights), and coach or staff salaries.

  • Business Profit Summary

    Investors and owners can see the padel business's profit in real time.

    Summary of rental and canteen income minus operating and maintenance costs.

Earned Rp1.2 million from court bookings today.10:30
Got it! Rp1,200,000 in revenue has been recorded. 10:30
Spent Rp300,000 on operating expenses.10:31
Got it! Rp300,000 in expenses has been recorded.10:31
How are sales looking this week?10:32
Let me check this week's total sales.10:32
This week's report: Revenue Rp7,800,000 Expenses Rp2,100,000 Profit Rp5,700,00010:32

Choose the right plan

Start for free. A yearly plan costs just 10 months.

Billing period

Books Personal

For personal & family finances

IDR 49,000 /month

IDR 490,000 /year

Regular price: IDR 588,000

  • Transaction recording
  • Record from receipt photos
  • Record by voice
  • Budget per category

+ 10 more features

Most Popular

Books Solo

For sole proprietors & freelancers

IDR 189,000 /month

IDR 1,890,000 /year

Regular price: IDR 2,268,000

  • Everything in Books Personal
  • Stock & adjustments
  • Sales reports
  • Profit & loss reports

+ 4 more features

Books Business

For businesses with teams & multiple branches

IDR 289,000 /month

IDR 2,890,000 /year

Regular price: IDR 3,468,000

  • Everything in Books Solo
  • Multi-store
  • Marketplace sync
  • Team / multi-user

+ 2 more features

Compare all features
FeatureBooks PersonalBooks SoloBooks Business
Recording
Transaction recordingIncludedIncludedIncluded
Record from receipt photosIncludedIncludedIncluded
Record by voiceIncludedIncludedIncluded
Recurring transactionsIncludedIncludedIncluded
Import transactions from fileIncludedIncludedIncluded
Export transactions to Excel/PDFIncludedIncludedIncluded
Personal finance
Budget per categoryIncludedIncludedIncluded
Savings goalsIncludedIncludedIncluded
Payables & receivablesIncludedIncludedIncluded
Wallets & balance transfersIncludedIncludedIncluded
Manage categoriesIncludedIncludedIncluded
Spending per activityIncludedIncludedIncluded
Daily remindersIncludedIncludedIncluded
Account & reminder settingsIncludedIncludedIncluded
Business
Product & service catalogNot includedIncludedIncluded
Stock & adjustmentsNot includedIncludedIncluded
Sales reportsNot includedIncludedIncluded
Profit & loss reportsNot includedIncludedIncluded
Order list & searchNot includedIncludedIncluded
Revenue & order summaryNot includedIncludedIncluded
Project dimensionsNot includedIncludedIncluded
Scale & team
Multi-warehouseNot includedNot includedIncluded
Multi-storeNot includedNot includedIncluded
Tax report packNot includedNot includedIncluded
Marketplace syncNot includedNot includedIncluded
Team / multi-userNot includedNot includedIncluded

Frequently Asked Questions (FAQ)

Quick answers to the questions our users ask most.

What is sigap.ai?

An AI companion that helps you manage your business's day-to-day finances and operations — as easy as sending a message on WhatsApp or Telegram, so you can focus more on what's truly productive.

Who is sigap.ai for?

Anyone managing their own money and business — from personal finances and side hustles to small businesses and online sellers in Indonesia.

When can I start using it?

We're opening access gradually and in limited batches. Waitlist members are the first we invite — and the first to hear the news.

I'm not tech-savvy. Can I still use it?

Yes. As long as you can use WhatsApp or Telegram, you can use sigap.ai.

Is sigap.ai free to use?

You can try sigap.ai for free first, so you can experience its benefits.

Is my data safe?

Security and privacy are our priorities. Your data is handled in line with Indonesia's Personal Data Protection Law (UU PDP), looked after carefully, and always remains yours.

Sign Up for the Waitlist & Get a Free Trial

Join the waitlist now to get exclusive free access to explore Temi with a special free trial period.