KALUANG (Kalkulator Keuangan)

Kaluang, short for Money Calculator, is an innovative personal finance app simply designed to help you manage and improve your financial health. Suitable for anyone who wants to keep their finances healthy, Kaluang offers an easy way to monitor and evaluate your income, savings, expenses and debt ratios.

Key Features:

🌟 Personal Finance Analysis
Kaluang evaluates your financial ratios and provides clear guidance on your financial health. Just enter some data, and Kaluang will show you whether your finances are “HEALTHY” and provide suggestions for maintaining or improving them.

💸 Income vs. Income Ratio Expenditure
Get a quick assessment of your spending habits and personalized feedback:
- HEALTHY: "Maintain it, your finances are HEALTHY!"
- REACHING THE MAXIMUM EXPENDITURE LIMIT: "Your finances are GOOD, but you should avoid increasing your expenses to be HEALTHY."
- NEED TO EVALUATE: "Re-examine your finances. Maybe you need to increase your income or reduce expenses to be HEALTHIER."

🏦 Savings vs. Savings Ratio Income
See if your savings are sufficient and get suggestions for continuing to add to your savings:
- HEALTHY : "Good! Your savings are healthy!"
- ACHIEVE THE MINIMUM SAVINGS LIMIT: "Your finances are good, but it would be BETTER if you added more savings!"
- NEED TO EVALUATE: "Consider reducing expenses so that savings increase and finances stay healthy."

💳 Debt vs. Cash Ratio Income
Monitor your debt to keep it within healthy limits:
- HEALTHY: "Congratulations! Your debt is still within healthy limits!"
- REACHING THE MAXIMUM DEBT LIMIT: "Your finances are good, but you should avoid adding debt to stay HEALTHY."
- NEED TO EVALUATE: "You may need to increase your income and reduce debt to make your finances healthier."

🎉 Healthy Financial Achievement
If all your financial ratios are in the healthy zone, Kaluang will give you a message of appreciation to motivate you: “Hooray!!! Keep it up, your finances are HEALTHY!”

With Kaluang, you can make smart and informed decisions to maintain and improve your financial well-being. Whether you are saving, controlling expenses, or managing debt, Kaluang is ready to accompany you in maintaining financial health.