Early previewBuilt for everyday spendingNewKalem for Business

Calm money.
Private by design.Your shop’s money.
Clear by closing time.

See what is safe to spend today, then record a transaction as naturally as you type it. Your data is local-first and encrypted before it syncs.

Log each order once. Kalem fills in the cash book, keeps track of who still owes you, and tells you whether today was a profit, in five minutes a day.

Free to start · No credit card · Your data stays yours · Try the early preview

One number for todayType it like a chatEncrypted before it syncsSee where it goes

The real Kalem app, with example data.

A preview of Kalem for Business, with example data.

End-to-end encryptedWorks offlineOpen sourceZero trackersAny country, any currency

A day with Kalem

Payday was ten days ago. Where did it all go?

Most budgeting apps ask for an hour of setup and a spreadsheet mindset. Kalem asks for two seconds after you buy something, and gives back one honest number every morning.

Try itParts marked “Try it” are live: tap, type, and drag. Everything is example data and nothing is saved.

Payday feels long gone

The balance drops and you can’t say where to.

Spreadsheets get abandoned

Logging feels like homework, so it stops by week two.

Apps want your bank login

Your money habits end up as someone else’s data.

01MorningCalm

Know what's safe to spend.

One number tells you how much you can spend today and still cover your bills and savings. Spend a little more today, and tomorrow quietly adjusts. Insights show where the rest went, without the spreadsheet.

Payday to payday, or by calendar month
Bills and savings are set aside first
Overspend today and tomorrow adjusts on its own
Insights by day, week, or month: money in and out, savings rate, categories

Try itDrag the slider, or open Insights

Safe to spend today$70.50Payday in 23 days$2,002.16 left this period

Spent today$17.30

Left for this period$2,019.46

Spread over 23 days$87.80 a day

Minus what you spent today−$17.30

Tomorrow$91.01 a day

02After lunchEasy

Log it in two seconds.

Type it the way you'd text a friend, or paste your bank's notification. Kalem reads the amount, account, and category, and shows its guess before you save. Try it here.

Understands “coffee 4.80 visa”, “25k”, and “yesterday”
Paste or share a bank or e-wallet notification
Learns your categories from your corrections

Try itType your own entry, then press Enter

9:415G

Hi Dina, good morning!

Synced

Safe to spend today$70.50Payday in 23 days

You can also paste a bank or e-wallet notification.

RecentSee all

CCoffeeFood & Drinks · Credit card−$4.80

LLunchFood & Drinks · Cash−$12.50

NNetflixSubscriptions · Credit card−$15.49

Try:

03End of the monthBills

Bills that log themselves.

Rent, internet, subscriptions: add them once. Tick a bill when it's paid and Kalem records the payment for you, so the number you see is always honest.

Recurring bills repeat; planned ones happen once
Overdue badges, so nothing slips
Untick to undo, no harm done

Try itTick a bill as paid

Unpaid this period$1,199.990 of 2 bills paid

RentEvery month · Mon, Oct 5$1,150.00

InternetEvery month · Thu, Oct 15$49.99

04AnywherePrivate

Your money. Your key.

Most apps protect your data from everyone except themselves. Kalem encrypts everything on your device before it syncs, so we can't read it either. Flip the switch to see what our server actually stores.

End-to-end encrypted before anything leaves your device
Open it on a new device with a passkey, your password, or approval from a device you trust
Hide every amount with one tap when you're in public

Try itSwitch to what our server sees

Recent

CCoffeeFood & Drinks · Credit card−$4.80

LLunchFood & Drinks · Cash−$12.50

WWhole Foods groceriesGroceries · Checking−$62.15

SSalarySalary · Checking+$3,800.00

Decrypted on your device with a key only you hold. Example data.

05New phoneNew phone

Lose your phone, not your money history.

Sign in on the new phone and open your encrypted data the way that suits you. Your key never leaves your devices in a form anyone else can use.

Passkey

One tap with Face ID, a fingerprint, or your screen lock.

Google or email

Approve from a device

Your old phone shows the same code. Tap approve.

Recovery Key

Optional, for when every device is gone.

Kalem for Business

Orders on WhatsApp, cash in a drawer, notes in a book. Profit? Nobody knows.

Sari runs a catering kitchen: about a hundred orders a day from the shop, WhatsApp, Instagram, and delivery apps. Here is how her day looks with Kalem.

Try itParts marked “Try it” are live: tap, type, and drag. Everything is example data and nothing is saved.

Shop money and kitchen money mix

Paying in your own savings looks like a great sales day.

Who still owes you?

Deposits and “pay later” live in chats and memory.

Profit only at tax time

By then it’s too late to change anything.

01Set upSet up in three steps

Tell Kalem about the business. Pick only what you use.

Name and type of business, the modules you need, and the money you have now. Opening balances are recorded as capital, not as income, so day one starts honest.

Cash book and reports are always on
Sales & customers, purchases & suppliers, receivables & payables: switch each on or off
Categories follow the business type: food, retail, services, online shop

New business

Business nameSari's Kitchen

TypeFood & drinks

ModulesCash bookalways onReportsalways onSales & customersPurchases & suppliersReceivables & payables

Money now$400.00Recorded as opening capital

02Every orderEvery order, once

Write the order. The books write themselves.

Pick the customer and products, choose paid, deposit, or not paid. Kalem records the income, puts the unpaid part on the customer’s tab, and moves straight on to the next order. Try it.

Customers are found by WhatsApp number or name, or made on the spot
Products fill in their price; anything else can be typed
Save & next, repeat an order, or one daily total per channel

Try itTap products, pick Deposit, then save

RMrs. Rina+1 555 0142

Total$0.00

Tap a product to start an order.

Sold$0.00Received$0.00Unpaid$0.00

03Two honest numbersTwo honest numbers

Profit when you sell. Cash when you’re paid.

A $110 order with a $45 deposit is $110 of sales today, $45 in the drawer, and $65 still owed. And paying in your own money moves cash, never profit. Switch the events on to see each number react.

Capital, owner draws, and loans never count as profit
Categories land in the right line: cost of goods, selling costs, running costs
Editing or cancelling a sale corrects the cash book with it

Try itSwitch the events on and off

Profit$110.00

Cash$45.00

Customers owe$65.00

04Collect politelyCollect politely

Remind customers without the awkward chat.

Every customer has a page: what they bought, how often, and what’s still owed. One tap opens WhatsApp with a friendly reminder already written. You check it and press send.

Sort customers by spend, frequency, owed, or gone quiet
Edit the reminder once; names and amounts fill in
Opens the WhatsApp app or WhatsApp Web. Nothing is sent automatically

Try itTap Remind on WhatsApp

RMrs. Rina7 orders · +1 555 0142

Total spent$214.00

Still owed$60.00

DueFri, Oct 9

05Closing timeClosing time

Profit or loss, in the time it takes to close the shop.

Sales, cost of goods, running costs, and net profit with margin. Next to it: the money that actually came in, what customers still owe, and which channel sells best.

From today to this year
Sales by channel, product, and customer
Cash in and out kept apart from profit

Try itSwitch between Today and This month

Report

Sales: $186.00
Cost of goods: −$64.50
Gross profit: $121.50
Selling & running costs: −$22.00
Net profit 53% margin: $99.50

Money in$141.00

Customers owe$45.00

Sales by channel

WhatsApp$96.00
Shop$54.00
Instagram$24.00
Delivery app$12.00

06PrivatePrivate, and separate

Your sales are nobody else’s business.

Turnover, cost prices, and customer lists are encrypted on your device before they sync, like everything in Kalem. Your business books sit next to your personal budget in the same app, but never mix.

End-to-end encrypted: we can’t read your sales either
Switch between personal and business books in one tap
Works offline at the counter, syncs when the signal is back

Try itSwitch books, or see the server’s copy

Mrs. Rina$110.00

12 × Lunch box$72.00

Party platter$35.00

Decrypted on your device with a key only you hold. Example data.

Coming soonPurchases & suppliersImport from ExcelPoint of sale (POS)Stock

What's next? App lock, shared budgets, open source, and more, phase by phase.

See the full roadmap

And the rest

Everything you need, nothing you don't.

Installs like an app

Add Kalem to your home screen on Android or iPhone. It opens instantly, full screen.

Fast and offline

Your budget lives on your device, so it opens instantly and works without a signal.

Any currency

Accounts in dollars, euros and rupiah side by side, each in its own format.

Host it yourself

Prefer your own hardware? Run the open-source sync server with Docker.

Export anytime

All of your data as a JSON backup whenever you want it. No lock-in.

Zero trackers

No ad networks, no data brokers. Your spending habits are never the product.

Pricing

Simple, fair pricing.

Every everyday feature is free. Pay for more room, sharing, and backups that run themselves.

Free

Forever

Every everyday feature
Encrypted sync, 3 accounts, 500 MB
JSON backup anytime
1 business cash book

Join the waitlist

Plus

Founder

First 1,000

$79 once

Plus, for life

Everything in Plus, no renewals
Early builds before anyone else
A say in what we build next

Join the waitlist

Planned pricing in US dollars. Local pricing for Indonesia and other countries.

Questions people ask first.

Is Kalem a point-of-sale (POS) app?

Not yet. Kalem for Business starts with the books: orders, customers, the cash book, receivables, and reports. A POS with receipts and stock is on the roadmap.

Can I move my records from Excel?

That’s coming next: one Excel template for products, customers, sales, and purchases, read on your device and never uploaded.

Do my staff need their own login?

Not in this version, which is for owners who record their own sales. Team access comes after each business gets its own encryption key.

Can Kalem see my transactions?

No. Your data is encrypted on your device before it syncs, and only your devices hold the keys. Our servers store scrambled data they can't read.

What if I lose my phone?

Sign in on the new phone and open your data with your passkey or password, by approving it from another device, or with your Recovery Key. Your data stays encrypted the whole time, and we never hold a key that opens it.

Does Kalem connect to my bank?

No, and it never asks for your bank password. Type entries in seconds, or paste your bank's notification. On Android you can share a notification straight into Kalem.

Can I host it myself?

That's the plan. The sync server already runs with Docker, and we'll publish it with the open-source release before the public beta.

What does “Kalem” mean?

It's Indonesian for calm, which is how money should feel. Kalem is made in Indonesia, for people everywhere.

Stay kalem about money.

Join the waitlist for early access, founder pricing, and a say in what we build next.

Can't wait? Open the early preview. It's free.