monthly ledger + 8 free calculators
Hi, I’m Rayakala. I track my own money with two tools I built: Monthly Logs, a monthly budget ledger, and Beruang, a suite of eight investment calculators. Both are free — Beruang doesn’t even ask you to sign up.
About
I got tired of not knowing where my money went each month, and of return figures that ignore timing. So I built Monthly Logs, a ledger that records actual spending per category, and Beruang, calculators that report XIRR — the return after accounting for when money went in and out.
Both tools are free and Indonesian-first. Beruang runs without an account: what you type stays in your browser. Monthly Logs signs in with GitHub and keeps your numbers in your own account.
Projects
My monthly budget ledger. Bulanan records what I actually spent per category, Tahunan shows the 12-month picture, and the dashboard totals it up. Entry is keyboard-driven — Enter moves down a row, Ctrl+S saves. Signs in with GitHub; your numbers stay in your own account.
Eight calculators I open before money decisions: XIRR on mutual funds, stocks with live IDX prices, deposit maturity dates, rent-vs-buy breakeven, flat-loan true cost, debt payoff plans, and retirement targets. No signup — what you type stays in your browser.
Now
Colophon: this page is a single Axum binary (~2 MB) serving embedded HTML/CSS/vanilla JS. No tracker, no framework. Total transfer < 50 KB.
Links
Contact
Email is the fastest way to reach me. Just write.