Family finance, quietly handled.
One calm home for the whole household's money — built on the methods families trust.
Log a purchase, feed a goal — it's all live
Budget, debt, goals & net worth in one place
Locked behind Face ID, private by default
The playbook
The one idea from each book Wealthling is built around.
Spend extravagantly on what you love, cut costs mercilessly on what you don't. Automate the rest so willpower never has to show up.
Pay the smallest debt first for a quick win, then roll that payment onto the next. Momentum beats math when you're trying to stay motivated.
Every purchase costs a slice of your life energy — the hours you traded to earn it. Ask if each expense truly buys fulfillment.
Buy assets that put money in your pocket; avoid liabilities that take it out. Know the difference and grow the first column.
Pay yourself first — keep at least a tenth of all you earn before anyone else gets a cent. Wealth grows from that habit, not from income.
Life Situations
Common money crises — and how to get out of them.
Supporting aging parents and your own kids at the same time is quietly draining your budget.
A sudden layoff can wreck a budget fast if you don't move first on cash, then costs, then income.
Illegal or predatory lenders count on fear and confusion to keep you paying long after the original debt is gone.
One diagnosis or ER visit can undo years of saving if you don't move fast on cost and coverage.
Discovering a retirement shortfall late is common — but the response matters more than the years lost.
+ 7 more inside the app — divorce, widowhood, gambling debt, business failure, single parenting, disability & the fresh-grad debt trap — each with concrete steps out.
Conscious spending — every rupiah has a job.
Pick a plan advisors already trust — Ramit Sethi's Conscious Spending, the 50/30/20 rule, 70/20/10, or 60/20/20 — then fine-tune every number. Savings auto-fills with whatever's left, so it never gets skipped.
The snowball — smallest balance first, momentum second.
Every debt lines up smallest-balance-first, so each payoff builds momentum for the next. Wealthling reads the APR on every loan and tells you the truth: debt-free by a real date, or what it'll take to get there.
Pay yourself first — name your money, one bucket at a time.
Give every goal a priority and a target date, and Wealthling works out what it actually takes per month — then splits your savings pool across them by what matters most. If a date's unrealistic, it says so, instead of letting you find out later.
Assets feed you, liabilities eat you — grow the first column.
Every account you own or owe sits in its proper type — bank, stocks, crypto, property, credit cards, loans — so your real net worth is never a guess. Every contribution, transfer, and adjustment lands in a movements ledger, so the number always has a receipt.
Cheap and wholehearted? Enjoy it. Costly and reluctant? Let it go.
Weigh a purchase by its cost and your keikhlasan (wholeheartedness). Where it lands tells you what to do.