Products
Tools that make money easier
Simple apps for households, small businesses and cooperatives. Made in Indonesia, all on one Kuartal account.
Most money apps are built for people who already have an accountant. But most Indonesians work in small businesses that run on notebooks, WhatsApp and memory. That's who we build for: the family, the warung, the workshop and the cooperative. Simple tools that help you see your money clearly.
Kuartalku
Give every rupiah a job.
Kuartalku is built around one easy habit: before the month begins, decide what each rupiah is for. Rent, school fees, zakat, the motorbike instalment, arisan, savings for Lebaran. When money comes in, give it a job. When you spend, you'll see which job it came from. After one month, you'll know where your money really goes. After three, it'll stop surprising you.
It works even if your income changes from month to month, like most Indonesians'. It handles shared family budgets, cash and several accounts. For now, you add your spending yourself, and that's on purpose: noticing each purchase is half the magic.
Features: Monthly plan · Irregular income mode · Shared family budgets · Goals (Lebaran, school, emergency fund) · Reports in plain words
Coming later: Automatic syncing with your bank and e-wallets, through Bank Indonesia's official, regulated connections. We'll never connect to your accounts any other way.
Privacy: Your budget belongs to you. No ads, and we never sell your data. [VERIFY: confirm as product policy]
Join the waitlist
Kuallet
Coming soon, once licensing is in place.
Kuallet will let you keep a balance, pay shops and send money to other Kuartal users, with every payment linked to your Kuartalku budget and Kuartal Rewards. It will run through a payment company licensed by Bank Indonesia, not by Kuartal directly, and we'll tell you who that partner is before Kuallet opens.
Kuallet isn't open yet and can't accept money. If someone asks you to top up a "Kuallet" account today, it isn't us.
Kuartal Card
A card linked to your Kuallet. Planned, with a partner bank.
Kuartal Card will be issued with a licensed partner bank, spend straight from your Kuallet and earn you Kuartal Rewards. While you wait, you can grab one of our co-branded eMoney cards in the Kuartal Store.
Kalc
Your AI calculator for the numbers small businesses dread.
Kalc (you might know it as Kalculator) now lives in Kuartal AI Labs, alongside our other AI helpers for founders and investors.
Kuartal Business
Invoices, books and payroll for small businesses and cooperatives.
Kuartal Business is the back office every growing business needs and few can afford: invoices that get paid on time, books that add up, and payroll that's never late. It's built for the kinds of businesses Indonesia really has, including koperasi and family firms. And it shows you something most payroll tools don't: how your top pay compares with your typical pay, and how profit gets shared.
Features: Invoices and reminders · Bookkeeping · Payroll · Cooperative member accounts · Kalc built in · Pay and ownership report
Klassroom by Kuartal
Learn finance, economics and business, and get certified.
Klassroom offers courses taught by people who do the work, from bookkeeping for a koperasi, to reading company accounts, to understanding climate risk. Some courses lead to a BNSP competency certificate or an international qualification. [VERIFY: which certifications and partner LSPs]
Kuartalworks
Hiring, contracts and HR, all in one place.
Post jobs, manage applicants, keep contracts and staff records, and review performance fairly. Salaries are paid through Kuartal Business, so everything runs on one payroll.
Kuartal Rewards
Get rewarded for learning, saving and joining in.
Earn points when you finish a course, hit a Kuartalku savings goal or help out on Kuartalspace, then spend them on books, merch and membership. You'll never need to read a certain article or buy a certain product to earn them.
Media
Media
Documentaries, videos, shorts, podcasts and the publishing house behind the Handbooks.
Explore Kuartal Media →The tech company behind Kuartal: Kuartal Platforms (your Kuartal ID and the app launcher), Kuartal AI Labs (Komp, Kuant and Kalc) and Kuartal Development.
Visit kuartalsystems.com →