Bookkeeping that
balances itself.
Nerati is a double-entry accounting platform built for Indonesian small and medium businesses. Invoices and bills post their own journals, Indonesian tax is computed for you — and Nera, the AI accountant inside, watches for anomalies, chases receivables, and explains every statement in plain language.
Didampingi Nera, AI akuntan Anda — pembukuan jadi tenang.
An AI accountant
that reads your ledger.
Nera is not a chatbot bolted onto a spreadsheet. It is grounded in your posted double-entry journals — so its answers, alerts, and forecasts move the moment your books do.
Nera Copilot — Ask Your Ledger Anything
A conversational AI accountant wired directly to your general ledger. Ask about cash position, receivables, or margins in plain Bahasa Indonesia and Nera answers from your actual posted journals — not from a generic template.
Anomaly Detection & Alerts
Nera continuously monitors posted transactions and raises insights across four severities — Kritis, Perhatian, Info, and Positif. Unusual spend, duplicate entries, and drifting margins surface before month-end close, not after.
13-Week Cash Flow Forecast
A rolling week-by-week projection of cash in, cash out, net movement, and closing balance — derived from your invoice due dates, bill schedules, and recurring transaction templates.
Platform Modules
14 modules.
One set of books.
From invoicing and bank reconciliation to VAT filing, fixed-asset depreciation, and period close — Nerati covers the full accounting cycle on a proper double-entry ledger.
Financial Command Dashboard
Cash & bank position, month-to-date revenue, expenses, and profit — each with a month-over-month delta. Outstanding receivables and payables are one click away, with six-month trend charts for revenue, expenses, net profit, and cash balance.
Sales Invoicing & Receivables
Issue invoices, track them by status (unpaid, paid, draft), and filter by invoice or due date. Every invoice posts its own journal entry automatically. The AR reminder module lists what is overdue and who needs chasing.
Purchases & Payables
Record supplier bills with due dates, settle them partially or in full, and see remaining balances per vendor. Payables post to the mapped AP account without any manual journal work.
Cash, Bank & Reconciliation
Track multiple cash and bank accounts side by side with running balances. Record cash in and cash out entries, then upload a bank statement and let Nera help match the mutations line by line.
Double-Entry General Ledger
A real accounting engine underneath — every invoice, bill, payment, depreciation run, and tax posting lands in the general journal as a balanced double entry. Manual journals are supported for adjustments, and each entry carries a posted status.
Chart of Accounts & Industry Templates
A full multi-level chart of accounts from assets through income tax expense, with group and postable account distinction. Six ready-made industry templates ship out of the box — Trading, Manufacturing, Services, Food & Beverage, Construction, and Property.
Indonesian Tax Compliance
VAT output, VAT input, and VAT payable computed per period. Issue e-Faktur tax invoices, prepare SPT Masa filings, record PPh 23 / 22 / 26 / 4(a)3 withholding certificates, and export a Coretax-ready CSV.
10 Financial Statements
Profit & Loss, Balance Sheet, Cash Flow, P&L vs Budget, AR/AP Aging, General Ledger, Financial Ratios, Break-Even Point, Per-Dimension, and Project Profitability — each on an accrual or cash basis, downloadable as CSV or PDF.
Fixed Assets & Depreciation
Register vehicles, equipment, and buildings once and let Nerati compute depreciation automatically against the matching accumulated-depreciation contra account. Net book value is always current on the balance sheet.
Budgeting & Multi-Dimension Analysis
Plan revenue and expenses per month across a full fiscal year, then read actuals against plan in the P&L vs Budget report. Tag transactions by Branch, Department, and Project for dimensional profitability analysis.
Recurring Transactions & Automation
Define templates for invoices and bills that repeat on a schedule — rent, retainers, subscriptions — and Nerati generates them on time. A single action runs everything that has come due.
Multi-Currency & FX Revaluation
Maintain currencies and exchange rates alongside an IDR base currency, with a dedicated foreign-exchange revaluation run that posts realised and unrealised FX gains or losses to the correct accounts.
Period Close & Opening Balances
Migrate from your legacy books by entering a balance-sheet-style opening position — Nerati converts it into a posted opening journal. Lock monthly and annual periods so finalised reports can never silently change.
Workspace Security & Multi-Tenancy
Each company is an isolated workspace with its own chart of accounts, tax profile, and fiscal calendar. Personal account settings are separate from company settings, with two-factor authentication and active session management.
Reporting
Ten statements, one click, either basis.
Every report reads straight from the general ledger for the period you select — monthly, quarterly, or annual. Switch between accrual and cash basis on the same screen, download CSV, or print a PDF for the bank.
- Profit & Loss, Balance Sheet, and Cash Flow on accrual or cash basis
- P&L vs Budget, AR/AP Aging, and General Ledger drill-down
- Financial Ratios, Break-Even Point, and Project Profitability
- Per-dimension reporting across Branch, Department, and Project
- "Ringkas dengan Nera" — an AI summary of any statement in one click
Built for Indonesia
Local compliance is not an add-on.
Nerati is designed around Indonesian SME accounting practice — SAK ETAP as the default standard, NPWP and PKP status on the company profile, and a tax module that speaks the language of DJP rather than a generic sales-tax field.
- SAK ETAP accounting standard with a configurable fiscal year start
- VAT output, VAT input, and VAT payable computed per tax period
- e-Faktur tax invoice issuance and SPT Masa preparation
- PPh 23, 22, 26, and 4(a)3 withholding certificates (bukti potong)
- Coretax-ready CSV export for filing
- Bahasa Indonesia interface, IDR base currency, multi-currency support
Day-One Setup
Start from a chart of accounts
that already fits.
Pick your industry, preview the full account tree, and start recording. No accountant needed to design a ledger from scratch.
Perdagangan
Trading · 59 accounts
Manufaktur
Manufacturing · 64 accounts
Jasa
Services · 57 accounts
Food & Beverage
F&B · 64 accounts
Konstruksi
Construction · 62 accounts
Properti
Property · 63 accounts
How It Works
From spreadsheet
to closed books.
A one-time setup, then day-to-day work that never asks you which side is debit.
Set up your company workspace
Enter your legal name, NPWP, PKP status, address, and fiscal year start. Pick your accounting standard — SAK ETAP is the default for Indonesian SMEs — and confirm IDR as the base currency.
Pick an industry chart of accounts
Preview the template that matches your business — Trading, Manufacturing, Services, F&B, Construction, or Property — and start from a complete, correctly structured account tree instead of a blank sheet.
Enter your opening balances
Coming from spreadsheets or another system? Key in your balance sheet position as of the cut-off date. Nerati works out the debit and credit sides from each account type and posts a single opening journal.
Confirm default account mapping
Tell Nerati which accounts play the roles of Accounts Receivable, Accounts Payable, Sales, COGS, Inventory, Cash, Bank, and VAT. Every automatic posting from then on lands in the right place.
Record day-to-day transactions
Issue invoices, enter supplier bills, log cash movements, and register fixed assets. Journals are generated automatically behind every document — no debit-and-credit knowledge required.
Let Nera watch and report
Nera flags anomalies, reminds you about overdue receivables, projects 13 weeks of cash, and summarises any statement in plain language. Close the period when you are done and the numbers are locked.
Who It Is For
Built for the businesses
accountants are too expensive for.
Nerati is aimed squarely at Indonesian UMKM — small enough to run without a finance department, serious enough to need real books.
Retail & Trading UMKM
Shops and distributors track sales invoices, supplier bills, and inventory-linked COGS on the Trading chart of accounts. Nera flags margin drift and reminds the owner which customers are past due — without hiring a full-time bookkeeper.
Professional Services & Agencies
Consultancies and agencies run on the Services template with project dimensions enabled, so each engagement carries its own profitability report. Recurring retainer invoices generate themselves every month.
Food & Beverage Operators
Restaurants and cafés use the F&B chart of accounts to separate ingredient COGS from operating expenses, then read the break-even point report to know how much daily revenue covers fixed costs.
Construction & Property
Contractors and property managers tag every transaction to a project and branch dimension, tracking work-in-progress against budget with the P&L vs Budget report and per-project profitability view.
PKP Businesses with Tax Obligations
VAT-registered companies compute VAT output and input per period, issue e-Faktur invoices, record PPh withholding certificates, and export a Coretax-ready CSV — keeping monthly SPT filings on schedule.
Growing groups & holdings
Run several companies from one login, each as an isolated workspace with its own chart of accounts and tax profile — then link a subsidiary to its parent to unlock group consolidated reporting.
Why Owners Switch
The problems Nerati
is built to fix.
Books that are three months behind
Documents post their own journals the moment they are recorded, so the ledger is current by construction. There is no separate bookkeeping step to fall behind on.
Nobody in the company understands the reports
Nera summarises any statement in plain Bahasa Indonesia and answers follow-up questions against the same ledger — so the owner gets the meaning, not just the numbers.
Tax season is a scramble
VAT output, VAT input, and VAT payable are computed every period as you post. e-Faktur invoices, PPh withholding certificates, and a Coretax-ready export are part of the same system as the ledger.
Cash surprises with no warning
A rolling 13-week forecast projects cash in and out from real invoice and bill due dates, with runway and burn rate estimated from your trailing three months. Overdue receivables get their own reminder queue.
Early access is open.
Nerati is live and in active development. The accounting engine, AI assistant, tax module, and reporting suite are all usable today — plans and billing, deeper product-level profitability, and detailed vendor-spend dashboards are on the way. Beta users help shape what ships next, and get direct access to the team building it.
Let's Build the Future Together
Ready to transform your organization with AI? Get in touch.