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SAFIA turns your everyday Telegram messages into a complete financial ledger. Just describe what you spent or earned — SAFIA understands natural language in both Bahasa Indonesia and English, auto-detects categories, and keeps a running record of every transaction without any forms or spreadsheets.
SAFIA allows up to 1000 messages per user per day. Plan your interactions accordingly — bulk actions like reviewing a summary or deleting multiple records count as a single message each.

Recording Expenses and Income

Tell SAFIA what you spent or earned in plain language. No special commands are needed — just chat naturally. SAFIA automatically detects whether it’s an expense or income and assigns the most relevant category.
Example — recording an expense
Example — recording income
Example — recording multiple items at once
Default expense categories SAFIA recognises include Makanan (Food), Transportasi (Transport), Cicilan (Installments), Zakat/Infaq (Charity), Hiburan (Entertainment), and Tabungan (Savings). SAFIA will also create new categories on the fly when your description clearly doesn’t fit an existing one.
You can also photograph a receipt or payslip and send the image to SAFIA. It will extract the total amount and record the transaction automatically.

Debt Management

SAFIA tracks money you lend to others or borrow from others, separately from your regular expenses and income. You can mark debts as settled once they’re repaid.
1

Record money you lent

Tell SAFIA you lent money and to whom.
2

Record money you borrowed

3

Mark a debt as settled

Outstanding debts (both lent and borrowed) are factored into your total balance shown in the financial summary.

Reviewing Your Records

Ask SAFIA to show your records at any time. You can filter by date range, category, or transaction type.

Financial Summary

Ask SAFIA for a summary to get a full picture of your balance, top spending categories, and debt status — all in one reply.
The summary includes:

Balance

Total income minus total expenses, adjusted for outstanding lent and borrowed amounts.

Top Categories

Spending broken down by category with amounts and percentage share.

Debt Overview

Outstanding amounts you lent (piutang) and borrowed (hutang), separately tracked.

Record Count

Total number of expense and income entries in the selected period.
You can request a summary for any time period: “summary for last week”, “summary for Q1”, or “summary from March to May”.

Deleting Records

Ask SAFIA to remove a particular transaction by describing it.
You can delete multiple records at once using date or category filters.
To wipe your entire transaction history, ask SAFIA to reset all records.
Resetting all records is permanent and cannot be undone. SAFIA will ask for your confirmation before proceeding.