FINETIKS: Manage, Save, Invest

FINETIKS

About this app

Break free from the paycheck-to-paycheck cycle with FINETIKS, the AI-powered personal finance and money manager app designed to Control, Organize, & Grow your assets. From an automated expense tracker and high-yield savings to global stock investing, manage your wealth seamlessly in one simple app.

VIP Save: High-Yield Savings, Paid Daily
- Earn up to 4.25% p.a. interest, calculated and credited to your balance every morning.
- Enjoy 10x free monthly transfers + free life insurance coverage up to Rp5 Billion (5x your balance).
- Secure, OJK-supervised, and LPS-insured (in official partnership with Bank Victoria).

FINETIKS Invest: US Stocks & ETFs from $1
- Buy fractional shares of top global companies starting at just $1.
- Lightning-fast, 100% digital KYC registration in under 5 minutes.
- Exclusive Promo: Make your first deposit of min. $15 and get a free $2 SPY stock bonus (Valid until Dec 31, 2026).

FINZ AI: Automated AI Expense Tracker
- Voice: Log your daily expenses using voice commands in just 3 seconds.
- Snap: Scan shopping receipts and let AI categorize your transactions automatically.
- Smart: Get instant financial analysis built on Certified Financial Planner (CFP) standards.

Goals: Achieve Your Financial Milestones
- Set and track up to 15 simultaneous targets (emergency funds, debt payoff, or a dream home).
- Monitor your saving journey effortlessly through an intuitive visual progress bar.

Custom Categories & Precision Budgeting
- Create, edit, and personalize income and spending categories to match your lifestyle.
- Generate 100% accurate monthly cash flow reports with zero miscategorized transactions.
- Keep your budget tracker transparent to hit your savings targets faster.

Free Financial Health Check
- Get a comprehensive evaluation of your cash flow, debt-to-income ratio, and overall financial health.
- Receive a customized Personal Financial Plan (recommended savings and debt payoff ratios) just like consulting a private wealth advisor.

Custom Payday: Flexible Salary Cycles
- Sync your budget dashboard exactly to your actual payday cycle.
- Maintain accurate daily spending limits to prevent mid-month cash shortages.

Bank-Grade Security: Your data privacy is protected by the highest banking standard encryption (ISO 27001). FINETIKS is an official AFTECH member, legally registered, and supervised by OJK & KOMDIGI.

Download FINETIKS now and take total control of your financial future!

What’s new

Now you can turn more dreams into reality with the enhanced Goals feature from FINETIKS. We've upgraded this feature's flexibility so you can plan your future without limits.