Disclaimer: Titan Tyra bukan professional financial advisor, sheet ini dibuat berdasarkan pengalaman dan penggunaan pribadi.

PEMASUKAN ANGKA-ANGKA DI FILE INI HANYALAH IMAJINASI, SEBAGAI CONTOH

BULANAN TAHUNAN
GAJI KANTOR (UMR) 4,900,000 58,800,000 RANGKUMAN BULANAN
KAPITASI 500,000 6,000,000 PENGELUARAN
KATEGORI
INCOME C (POLI SORE) 0 0 Rp %
INCOME D (JAGA MALAM) 0 0 1 PAY YOURSELF FIRST 1,150,000 23.16% minimal 20% disisihkan untuk savings dan investasi
TOTAL PEMASUKAN 5,400,000 64,800,000 2 KEPERLUAN RUMAH 1,365,000 27.49% KPR disarankan maksimal 30% dari penghasilan
3 KEBUTUHAN PANGAN 1,250,000 25.18%
PENGELUARAN 4 KONSUMSI LAIN-LAIN 100,000 2.01%
PAY YOURSELF FIRST BULANAN TAHUNAN 5 PERAWATAN DIRI 350,000 7.05%
ORANG TUA 500,000 6,000,000 6 HIBURAN 0 0.00%
DANA PENSIUN 250,000 3,000,000 4 PEMAKAIAN BULANAN 750,000 15.11%
INVESTASI 250,000 3,000,000 5 HUTANG / CICILAN 0 0.00%
TABUNGAN KESEHATAN (BPJS) 150,000 1,800,000 TOTAL 4,965,000 100.00%
TOTAL PAY YOURSELF FIRST 1,150,000 13,800,000
KEPERLUAN RUMAH BULANAN TAHUNAN * kategori bisa diubah-ubah sesuai kondisi masing-masing
ARAYU SKIN CARE 750,000 9,000,000 * nominal-nominal berikut hanya contoh
HALO 165,000 1,980,000 * pos dianggap sinking funds apabila kita emang gamau langsung pake (contohnya: travelling, shopping)
BENSIN 250,000 3,000,000 * dalam kata lain, sinking funds itu tabungan jangka pendek
MAKEUP 0 0
PULSA LISTRIK 200,000 2,400,000 Any questions? Feel free to email me at titantyrainc@gmail.com with subject email "Ask Free Financial Tracker"
TOTAL KEPERLUAN RUMAH 1,365,000 16,380,000
KEBUTUHAN PANGAN BULANAN TAHUNAN
BELANJA GROCERIES 1,000,000 12,000,000 Disclaimer:
MAKAN DI LUAR RUMAH 250,000 3,000,000 Financial tracker ini diinspirasi oleh Our Rich Journey. Saya sesuaikan lagi dengan penerapan di Indonesia,
TOTAL KEBUTUHAN PANGAN 1,250,000 15,000,000 dan saya ubah-ubah lagi. Selain itu, saya menambahkan fitur baru yang saya buat dan pakai sendiri.
KONSUMSI LAIN-LAIN BULANAN TAHUNAN Semoga bermanfaat!
DANA UNTUK HADIAH TEMAN 100,000 1,200,000
TRANSJAKARTA 0 0
OJEK 0 0
TOTAL KONSUMSI LAIN-LAIN 100,000 1,200,000
PERAWATAN DIRI BULANAN TAHUNAN
SHOPPING CLOTHING ETC 150,000 1,800,000
SHOPPING MAKEUP 200,000 2,400,000
TOTAL PERAWATAN DIRI 350,000 4,200,000
HIBURAN BULANAN TAHUNAN
BIOSKOP 0 0
LANGGANAN NETFLIX 0 0
LANGGANAN SPOFITY 0 0
TRAVELING 0 0
MISCELLANEOUS 0 0
TOTAL HIBURAN 0 0
PEMAKAIAN BULANAN BULANAN TAHUNAN
UNTUK DAILY NEEDS 500,000 6,000,000
AMAL 250,000 3,000,000
TOTAL PEMAKAIAN BULANAN 750,000 9,000,000
HUTANG / CICILAN BULANAN TAHUNAN
 KARTU KREDIT 0 0
TOTAL HUTANG / CICILAN 0 0

PEMASUKAN vs PENGELUARAN
TOTAL PEMASUKAN 5,400,000 64,800,000
TOTAL PENGELUARAN 4,965,000 59,580,000
UANG LEBIH/KURANG 435,000 5,220,000
ANGKA-ANGKA DI FILE INI HANYALAH IMAJINASI, SEBAGAI CONTOH

LAPORAN KEUANGAN AKTUAL

PEMASUKAN RANGKUMAN TAHUNAN (AKTUAL)
GOAL BULANAN January February March April May June July August September October November December TAHUNAN PENGELUARAN
KATEGORI
GAJI KANTOR (UMR) 4,900,000 4,300,000 4,300,000 4,300,000 12,900,000 Rp %
KAPITASI 500,000 700,000 900,000 500,000 2,100,000 1 PAY YOURSELF FIRST 2,250,000 19.74%
INCOME C (POLI SORE) 0 0 0 0 0 2 KEPERLUAN RUMAH 3,000,000 26.32%
INCOME D (JAGA MALAM) 0 0 0 0 0 3 KEBUTUHAN PANGAN 3,750,000 32.89%
TOTAL PEMASUKAN 5,400,000 5,000,000 5,200,000 4,800,000 0 0 0 0 0 0 0 0 0 15,000,000 4 KONSUMSI LAIN-LAIN 900,000 7.89%
5 PERAWATAN DIRI 0 0.00%
PENGELUARAN 6 HIBURAN 0 0.00%
PAY YOURSELF FIRST GOAL BULANAN January February March April May June July August September October November December TAHUNAN 4 PEMAKAIAN BULANAN 1,500,000 13.16%
ORANG TUA 500,000 250,000 250,000 250,000 750,000 5 HUTANG / CICILAN 0 0.00%
DANA PENSIUN 250,000 250,000 250,000 250,000 750,000 TOTAL 11,400,000 100.00%
INVESTASI 150,000 250,000 250,000 250,000 750,000
TABUNGAN KESEHATAN (BPJS) 150,000 250,000 250,000 250,000
TOTAL PAY YOURSELF FIRST 1,050,000 1,000,000 1,000,000 1,000,000 0 0 0 0 0 0 0 0 0 2,250,000
KEPERLUAN RUMAH GOAL BULANAN January February March April May June July August September October November December TAHUNAN
ARAYU SKIN CARE 750,000 1,000,000 1,000,000 1,000,000 3,000,000
HALO 165,000 0 0 0 0
BENSIN 250,000 0 0 0
MAKEUP 0 200,000 200,000 200,000
PULSA LISTRIK 200,000 200,000 200,000 200,000
TOTAL KEPERLUAN RUMAH 1,365,000 1,400,000 1,400,000 1,400,000 0 0 0 0 0 0 0 0 0
3,000,000
KEBUTUHAN PANGAN GOAL BULANAN January February March April May June July August September October November December
TAHUNAN
BELANJA GROCERIES 1,000,000 1,000,000 1,000,000 1,000,000 3,000,000
MAKAN DI LUAR RUMAH 250,000 250,000 250,000 250,000 750,000
TOTAL KEBUTUHAN PANGAN 1,250,000 1,250,000 1,250,000 1,250,000 0 0 0 0 0 0 0 0 0 3,750,000
KONSUMSI LAIN-LAIN GOAL BULANAN January February March April May June July August September October November December TAHUNAN
DANA UNTUK HADIAH TEMAN 100,000 100,000 100,000 100,000 300,000
TRANSJAKARTA 0 200,000 200,000 200,000 600,000
OJEK 0 300,000 300,000 300,000
TOTAL KONSUMSI LAIN-LAIN 100,000 600,000 600,000 600,000 0 0 0 0 0 0 0 0 0
900,000
PERAWATAN DIRI GOAL BULANAN January February March April May June July August September October November December
TAHUNAN
SHOPPING CLOTHING ETC 150,000 0 0 0 0
SHOPPING MAKEUP 200,000 0 0 0 0
TOTAL PERAWATAN DIRI 350,000 0 0 0 0 0 0 0 0 0 0 0 0 0
HIBURAN GOAL BULANAN January February March April May June July August September October November December TAHUNAN
BIOSKOP 0 0 0 0 0
LANGGANAN NETFLIX 0 0 0 0
LANGGANAN SPOFITY 0 0 0 0
TRAVELING 0 0 0 0
MISCELLANEOUS 0 0 0 0
TOTAL HIBURAN 0 0 0 0 0 0 0 0 0 0 0 0 0 0
PEMAKAIAN BULANAN GOAL BULANAN January February March April May June July August September October November December TAHUNAN
UNTUK DAILY NEEDS 500,000 500,000 500,000 500,000 1,500,000
AMAL 250,000 250,000 250,000 250,000
TOTAL PEMAKAIAN BULANAN 750,000 750,000 750,000 750,000 0 0 0 0 0 0 0 0 0 1,500,000
HUTANG / CICILAN GOAL BULANAN January February March April May June July August September October November December TAHUNAN
KARTU KREDIT 0 0 0 0 0
TOTAL HUTANG / CICILAN 0 0 0 0 0 0 0 0 0 0 0 0 0 0

PEMASUKAN vs PENGELUARAN
GOAL BULANAN January February March April May June July August September October November December TAHUNAN
TOTAL PEMASUKAN 5,400,000 5,000,000 5,200,000 4,800,000 0 0 0 0 0 0 0 0 0 15,000,000
TOTAL PENGELUARAN 4,965,000 5,000,000 5,000,000 5,000,000 0 0 0 0 0 0 0 0 0 15,000,000
UANG LEBIH/KURANG 435,000 0 200,000 -200,000 0 0 0 0 0 0 0 0 0 0

Uang lebih/kurang ini harus 0 Apabila tertulis Apabila tertulis

seperti berikut, seperti berikut,
berarti uangnya berarti
ada 200rb yang pengeluarannya
belum melebihi
dimasukkan ke pemasukan
pos. Baiknya sebanyak 200rb.
dimasukkan ke Pilih salah satu
salah satu pos pos yang paling
PYF tidak
diprioritaskan
untuk dikurangin
200rb.
 DANA
ORANG TUA DANA PENSIUN
TGL IN / OUT BALANCE TGL IN / OUT BALANCE
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0

HALO BENSIN
TGL IN / OUT BALANCE TGL IN / OUT BALANCE
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
 0 0
0 0
0 0
0 0
0 0
0 0

MAKAN DI LUAR RUMAH DANA UNTUK HADIAH TEMAN

TGL IN / OUT BALANCE TGL IN / OUT BALANCE
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0

SHOPPING MAKEUP BIOSKOP

TGL IN / OUT BALANCE TGL IN / OUT BALANCE
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
 0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0

MISCELLANEOUS UNTUK DAILY NEEDS

TGL IN / OUT BALANCE TGL IN / OUT BALANCE
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
DANA DI REKENING A
INVESTASI TABUNGAN KESEHATAN (BPJS) ARAYU SKIN
TGL IN / OUT BALANCE TGL IN / OUT BALANCE TGL
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0

MAKEUP PULSA LISTRIK BELANJA GROC

TGL IN / OUT BALANCE TGL IN / OUT BALANCE TGL
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
 0 0
0 0
0 0
0 0
0 0
0 0

TRANSJAKARTA OJEK SHOPPING CLOTH

TGL IN / OUT BALANCE TGL IN / OUT BALANCE TGL
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0

LANGGANAN NETFLIX LANGGANAN SPOFITY TRAVELIN

TGL IN / OUT BALANCE TGL IN / OUT BALANCE TGL
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
 0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0

AMAL KARTU KREDIT

TGL IN / OUT BALANCE TGL IN / OUT BALANCE TGL
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
 DANA DI REKENING A
ARAYU SKIN CARE
IN / OUT BALANCE RANGKUMAN PEMBAGIAN DANA DI REKENING A
0 Account in Rp
0 1 ORANG TUA 0
0 2 DANA PENSIUN 0
0 3 INVESTASI 0
0 4 TABUNGAN KESEHATAN (BPJS 0
0 5 ARAYU SKIN CARE 0
0 6 HALO 0
0 7 BENSIN 0
0 8 MAKEUP 0
0 9 PULSA LISTRIK 0
0 10 BELANJA GROCERIES 0
0 11 MAKAN DI LUAR RUMAH 0
0 12 DANA UNTUK HADIAH TEMAN 0
0 13 TRANSJAKARTA 0
0 14 OJEK 0
0 15 SHOPPING CLOTHING ETC 0
0 16 SHOPPING MAKEUP 0
0 17 BIOSKOP 0
0 18 LANGGANAN NETFLIX 0
0 19 LANGGANAN SPOFITY 0
0 20 TRAVELING 0
21 MISCELLANEOUS 0
BELANJA GROCERIES 22 UNTUK DAILY NEEDS 0
IN / OUT BALANCE 23 AMAL 0
0 24 KARTU KREDIT 0
0 TOTAL 0
0
0
0 Disini dicatat sesuai pos yang masuk ke rekening A ya. kalau ad
0 pos yang ga disimpen di rekening A, gausah dicatat disini :)
0 Silahkan sesuaikan tabelnya sesuai kebutuhan masing2.
0
0 Tabel rangkuman ini untuk mengecek, ada berapa uang pos
0 "Emergency Fund" yang ada di Rekening A. Dan seterusnya.
0
0
0
0
0
 0
0
0
0
0
0

SHOPPING CLOTHING ETC

IN / OUT BALANCE
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

TRAVELING
IN / OUT BALANCE
0
0
0
0
0
0
0
0
0
0
 0
0
0
0
0
0
0
0
0
0
0

IN / OUT BALANCE
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
NING A
A DI REKENING A
in %
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

ening A ya. kalau ada

h dicatat disini :)
han masing2.

berapa uang pos

Dan seterusnya.
 DANA
ORANG TUA DANA PENSIUN
TGL IN / OUT BALANCE TGL IN / OUT BALANCE
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0

HALO BENSIN
TGL IN / OUT BALANCE TGL IN / OUT BALANCE
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
 0 0
0 0
0 0
0 0
0 0
0 0

MAKAN DI LUAR RUMAH DANA UNTUK HADIAH TEMAN

TGL IN / OUT BALANCE TGL IN / OUT BALANCE
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0

SHOPPING MAKEUP BIOSKOP

TGL IN / OUT BALANCE TGL IN / OUT BALANCE
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
 0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0

MISCELLANEOUS UNTUK DAILY NEEDS

TGL IN / OUT BALANCE TGL IN / OUT BALANCE
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
DANA DI REKENING B
INVESTASI TABUNGAN KESEHATAN (BPJS) ARAYU SKIN
TGL IN / OUT BALANCE TGL IN / OUT BALANCE TGL
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0

MAKEUP PULSA LISTRIK BELANJA GROC

TGL IN / OUT BALANCE TGL IN / OUT BALANCE TGL
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
 0 0
0 0
0 0
0 0
0 0
0 0

TRANSJAKARTA OJEK SHOPPING CLOTH

TGL IN / OUT BALANCE TGL IN / OUT BALANCE TGL
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0

LANGGANAN NETFLIX LANGGANAN SPOFITY TRAVELIN

TGL IN / OUT BALANCE TGL IN / OUT BALANCE TGL
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
 0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0

AMAL KARTU KREDIT

TGL IN / OUT BALANCE TGL IN / OUT BALANCE TGL
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
 DANA DI REKENING B
ARAYU SKIN CARE
IN / OUT BALANCE RANGKUMAN PEMBAGIAN DANA DI REKENING A
0 Account in Rp
0 1 ORANG TUA 0
0 2 DANA PENSIUN 0
0 3 INVESTASI 0
0 4 TABUNGAN KESEHATAN (BPJS 0
0 5 ARAYU SKIN CARE 0
0 6 HALO 0
0 7 BENSIN 0
0 8 MAKEUP 0
0 9 PULSA LISTRIK 0
0 10 BELANJA GROCERIES 0
0 11 MAKAN DI LUAR RUMAH 0
0 12 DANA UNTUK HADIAH TEMAN 0
0 13 TRANSJAKARTA 0
0 14 OJEK 0
0 15 SHOPPING CLOTHING ETC 0
0 16 SHOPPING MAKEUP 0
0 17 BIOSKOP 0
0 18 LANGGANAN NETFLIX 0
0 19 LANGGANAN SPOFITY 0
0 20 TRAVELING 0
21 MISCELLANEOUS 0
BELANJA GROCERIES 22 UNTUK DAILY NEEDS 0
IN / OUT BALANCE 23 AMAL 0
0 24 KARTU KREDIT 0
0 TOTAL 0
0
0
0 Disini dicatat sesuai pos yang masuk ke rekening B ya. kalau ad
0 pos yang ga disimpen di rekening B, gausah dicatat disini :)
0 Silahkan sesuaikan tabelnya sesuai kebutuhan masing2.
0
0 Tabel rangkuman ini untuk mengecek, ada berapa uang pos
0 "Emergency Fund" yang ada di Rekening B. Dan seterusnya.
0
0
0
0
0
 0
0
0
0
0
0

SHOPPING CLOTHING ETC

IN / OUT BALANCE
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

TRAVELING
IN / OUT BALANCE
0
0
0
0
0
0
0
0
0
0
 0
0
0
0
0
0
0
0
0
0
0

IN / OUT BALANCE
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
NING B
A DI REKENING A
in %
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

ening B ya. kalau ada

h dicatat disini :)
han masing2.

berapa uang pos

Dan seterusnya.
Ini dibuat seakan2 investasinya di Bibit. Apabila ada yang investasi di saham, atau forex, dll, bisa dig

UANG MODAL BIBIT BIB

TGL IN / OUT BALANCE TGL NILAI SEKARANG
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 Data2 yang diperlukan di BIBIT TRACK
0
0
atau forex, dll, bisa diganti sendiri menjadi "Saham Tracker" dst.

BIBIT TRACKER
MODAL INVESTASI KEUNTUNGAN HARGA BELI JUMLAH UNIT

ukan di BIBIT TRACKER, bisa mudah didapatkan di aplikasi Bibit.