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Payments & expenses

Money in and out, recorded as it happens.

Record client payments, expenses, and vendor bills in one place. Part payments, withheld PPh 23, transfer fees, and exchange differences are worked out for you, and every transaction creates its own journal straight away.

Try free for 30 daysSee pricing

On every plan, including Free.

Before and after

Unrecorded money means cash that doesn't match.

Transfer proof in chats, receipts in your wallet, what you owe vendors kept in your head, and a cash book only filled in at month end. By the time you check it against the bank, the difference can no longer be explained.

Before

4 separate places

  1. Proof in chatsFinance · transfer proof buried in chats
  2. Receipts in your walletEveryone · receipts lost before they're recorded
  3. List of debtsOwner · what you owe vendors, kept in your head
  4. Cash bookAdmin · only filled in at month end

When it's checked against the bank, the difference can't be explained.

Expense

EXP/2026/10/015

Studio Lensa · IDR 5,000,000

IDR 2,400,000 left
  • Payment recordedPart paid
  • Expense recordedIDR 5,000,000
  • Vendor PPh 23 withheldIDR 100,000
  • The rest becomes a payableIDR 2,400,000

How it works

From the bank statement to a paid vendor bill.

  1. 01 · Money in

    Find the invoice from the amount on the statement.

    Press Record Payment, then type the amount from the bank statement, the invoice number, or the client's name. Open invoices appear, longest overdue first. Choose Paid in full or Partial, and split the payment across several accounts if the money came in more than one way.

    • Search by amount
    • Paid in full or partial
    • Several accounts
    Choosing the invoice being paid from the list of open invoices in Tumra.

  2. 02 · Deductions

    PPh 23, transfer fees, and exchange rates are counted in.

    Did the client withhold PPh 23? Tick Client withheld PPh 23: of IDR 12,210,000, IDR 11,990,000 reaches the bank and IDR 220,000 is withheld, and the invoice is still recorded as paid. Transfer fees and exchange differences on foreign-currency invoices go to their own accounts.

    • Client withheld PPh 23
    • Transfer fee
    • Exchange difference
    Recording a client payment with PPh 23 withheld in Tumra, with the invoice still recorded as paid.

  3. 03 · Expenses

    Record a cost, paid now or later.

    Enter the amount, the vendor, and what it was for. Choose Paid with the account it came from, or Not paid yet with a due date, so it is recorded as a payable. Attach the receipt or the vendor's invoice, and mark input VAT that can be credited.

    • Paid
    • Not paid yet
    • Receipt attachment
    A new expense form in Tumra: an unpaid vendor bill with PPh 23 and an attachment.

  4. 04 · Payables

    Pay vendor bills in full or in stages.

    Press Pay on an unpaid expense. Part of it is fine; the rest stays recorded as a payable. The vendor's bank account is shown while you pay, and every payment is kept in Payment history, with a Cancel button.

    • Pay a Payable
    • Pay in part
    • Payment history
    Paying part of a vendor bill in Tumra, with the rest still recorded as a payable.

  5. 05 · Recurring

    Recurring costs wait for your confirmation.

    Press Make it recurring on an expense, for example office rent on the 1st of every month. Each period appears under Waiting for confirmation. Change the amount if this month's bill is different, then press Confirm & record. The journal is only created once it is confirmed.

    • Make it recurring
    • Waiting for confirmation
    • Confirm & record
    Recurring schedules in Tumra: office rent waiting for confirmation before it is recorded.
Choosing the invoice being paid from the list of open invoices in Tumra.
Recording a client payment with PPh 23 withheld in Tumra, with the invoice still recorded as paid.
A new expense form in Tumra: an unpaid vendor bill with PPh 23 and an attachment.
Paying part of a vendor bill in Tumra, with the rest still recorded as a payable.
Recurring schedules in Tumra: office rent waiting for confirmation before it is recorded.

What you can do

Cash flow you can always read.

  • Bulk settlement

    Settle up to 100 invoices at once, each for its remaining amount, with a payment date you can set for each invoice.

  • Exchange differences without manual sums

    For USD, AUD, SGD, or EUR invoices, enter the rupiah that actually reached your account. The difference is recorded as an exchange gain or loss.

  • Receipts and transfer proof

    Attach PDF, JPG, PNG, or WEBP files of up to 10 MB each, up to 10 files per expense or payment.

  • Vendors that fill in the details

    The default category and payment terms fill in when you choose the vendor. Expenses from VAT-registered vendors (PKP) are ticked as including VAT automatically, and service vendors can have PPh 23 withheld.

  • Corrections without deleting

    A wrong payment is corrected or voided with a reason. The old journal is reversed, so both the mistake and the fix stay on record.

  • Where the money goes

    Totals per period, by category, and recurring monthly on the Expenses page. The Vendors list shows this year's spending with each vendor.

For shops

Shop costs kept apart from stock purchases.

In a shop business, the Expenses menu is called Operating Costs: rent, electricity, wages, shipping. Goods are recorded separately under Purchasing so stock and COGS stay correct, and customer credit (kasbon) can be paid off right at the counter.

  • Credit settled into the drawerCredit paid off in cash can be recorded into the cashier drawer that is open, so the drawer count still matches.
  • Stock purchases kept separateGoods from suppliers are recorded under Purchasing and goods received, not as costs.
  • Supplier bank details savedThe supplier's bank and account number are shown when you record a payment to them, with a copy button.

Every rupiah has a source and a destination.

Plans

Payments and expenses on every plan.

Payments, expenses, and vendors are unlimited on every plan.

FeatureFreeRp 0/moRp 0/yrFreelancerRp 129,000/moRp 1,290,000/yrAgencyRp 349,000/moRp 3,490,000/yrStarterRp 179,000/moRp 1,790,000/yrRetailRp 349,000/moRp 3,490,000/yrBisnisRp 499,000/moRp 4,990,000/yr
Payments received & bulk settlementIncludedIncludedIncludedIncludedIncludedIncluded
Expenses, vendors & payablesIncludedIncludedIncludedIncludedIncludedIncluded
Receipt & transfer proof attachmentsIncludedIncludedIncludedIncludedIncludedIncluded
Recurring expensesIncludedIncludedIncludedIncludedIncludedIncluded
PPh 23 withheld by clients & from vendorsIncludedIncludedIncludedIncludedIncludedIncluded
Receivables & Payables Ageing reportsNot includedIncludedIncludedIncludedIncludedIncluded
Credit settled into the cash drawerNot includedNot includedNot includedIncludedIncludedIncluded

Retail Free: as on Free, plus settling store credit into the till drawer.

FAQ

Common questions

Can one transfer pay several invoices?

Partly. Bulk settlement settles up to 100 invoices at once, each for its remaining amount, and records one payment for each invoice. A single combined payment, deposits, and overpayment balances are not available yet. A payment also can’t be more than what is left on the invoice.

What if the client withholds PPh 23?

Tick Client withheld PPh 23 when you record the payment, then enter the amount withheld. The invoice is recorded as paid in full, the money in the bank matches the statement, and the withheld part is recorded as prepaid income tax. The withholding slip number can follow later, and payments still missing one can be filtered on the Payments Received page.

Are recurring expenses recorded automatically?

Not straight away, and that’s on purpose. Each period appears under Waiting for confirmation. You check the amount, change it if this month’s bill is different, then press Confirm & record. Only then is the journal created, so a wrong number never slips into the books unnoticed.

Can expenses be recorded in a foreign currency?

Not yet. Expenses and vendor bills are recorded in your base currency. Foreign currencies (USD, AUD, SGD, EUR) are only available for invoices and client payments for now.

What if an expense was recorded wrongly?

Use Correct: the old journal is reversed and a new one is recorded, so the history stays. Payments to vendors can be cancelled from Payment history. Voiding or deleting an expense that has been recorded can’t be done from the screen yet.

Can I use it on the Free plan?

Yes. Payments, expenses, vendors, attachments, recurring expenses, and PPh 23 are on every plan. The Receivables Ageing and Payables Ageing reports start on the Freelancer plan.

Record your first transaction today.

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