User Manual - MoneyBot V11.5

MoneyBot V11.5 combines the simplicity of a Chat Interface with the power of a Database. It features 16 database sheets, 45+ real-time KPIs, and AI-powered Health Scoring.

MoneyBot V11.5 menggabungkan kesederhanaan Antarmuka Chat dengan kekuatan Database. Dilengkapi dengan 16 sheet database, 45+ KPI real-time, dan Penilaian Kesehatan Keuangan berbasis AI.

🔒 100% Data Ownership 🔒 100% Kepemilikan Data

This application runs entirely on your own Google Spreadsheet. All financial data is stored in your personal Google Drive. You have complete control and ownership of your data. We (the application provider) have zero access to your spreadsheet or financial information.

Aplikasi ini berjalan sepenuhnya di Google Spreadsheet milik Anda. Semua data keuangan tersimpan di Google Drive pribadi Anda. Anda memiliki kontrol dan kepemilikan penuh atas data Anda. Kami (penyedia aplikasi) tidak memiliki akses ke spreadsheet atau informasi keuangan Anda.

⚠️ Disclaimer ⚠️ Penyangkalan

The application provider is not responsible for the content of your data or any data loss resulting from user negligence. Please ensure you regularly backup your spreadsheet and use the /snapshot command before performing critical operations like /reset.

Penyedia aplikasi tidak bertanggung jawab atas isi data Anda atau kehilangan data akibat kelalaian pengguna. Pastikan Anda secara rutin mem-backup spreadsheet dan menggunakan perintah /snapshot sebelum melakukan operasi kritis seperti /reset.

🏗️ Infrastructure & Security Standards

🏗️ Infrastruktur & Standar Keamanan

Your financial workspace is powered by world-class infrastructure provided by Google and Telegram.

Dashboard keuangan Anda didukung oleh infrastruktur kelas dunia dari Google dan Telegram.

☁️

Google Google Sheets Security

ISO/IEC 27001: Information security management.
ISO/IEC 27017/27018: Cloud specific privacy & security.
SOC 2/3 Reports: Regular independent security audits.
HIPAA & GDPR: Enterprise compliance standards.
Google Shield: 2-Factor Authentication & Phishing protection.

✈️

Telegram Messaging Security

MTProto Protocol: Custom encryption for speed and security.
AES-256 & RSA-2048: Military-grade data encryption.
Distributed Infrastructure: Data stored across globally split clusters.
Key Splitting: Decryption keys are stored separately from data.

Note: While the infrastructure is enterprise-grade, your spreadsheet is private by default. Never share your spreadsheet URL or script token with unauthorized persons. Catatan: Meskipun infrastruktur ini berstandar enterprise, spreadsheet Anda bersifat pribadi secara default. Jangan pernah membagikan URL spreadsheet atau token script Anda kepada orang yang tidak berhak.

🚀 Quick Start (5 Minutes)

🚀 Mulai Cepat (5 Menit)

1. Check Connection

1. Cek Koneksi

Send the start command to verify the bot is active.

Kirim perintah start untuk memverifikasi bot aktif.

/start

2. Log Your First Transaction

2. Catat Transaksi Pertama

Try logging an expense:

Coba catat pengeluaran:

out 50k makan nasi goreng

💸 Cashflow Management

💸 Manajemen Cashflow

Record Expense

Catat Pengeluaran

[tanggal] [prefix] [Nominal] [Kategori] [Keterangan] [Account]

💡 Supported Expense Prefixes: 💡 Prefix Pengeluaran yang Didukung:
out, o, expense, ex, x, keluar, -

Examples: Contoh:
out 50k makan lunch [GoPay]
x 30k transport ojol
o 2.5jt sewa-kost monthly [BCA]
keluar 186k streaming netflix [Mandiri]
- 100k belanja groceries

📅 Custom Date (Backdate): 📅 Tanggal Custom (Backdate):
Add date at the beginning to record past transactions: Tambahkan tanggal di awal untuk mencatat transaksi hari-hari yang lewat:
05/01 out 50k makan lunch (January 5th)(5 Januari)
31/12/2025 out 1jt belanja akhir-tahun [BCA] (Dec 31, 2025)(31 Des 2025)
7-1 in 5jt gaji (January 7th, current year)(7 Januari tahun ini)

V11 Enhancements:

Peningkatan V11:

Payment Method tracking with [Account]
Pelacakan Akun & Aset dengan [Akun]
Soft delete (recoverable)
Soft delete (dapat dipulihkan)
Tax deductible flag
Flag tax deductible

Record Income

Catat Pemasukan

[tanggal] [prefix] [Nominal] [Kategori] [Keterangan] [Account]

💡 Supported Income Prefixes: 💡 Prefix Pemasukan yang Didukung:
in, i, income, masuk, +

Examples: Contoh:
in 18jt gaji-utama PT-ABC [BCA]
i 5jt freelance project-web [Mandiri]
masuk 500k bonus [Cash]
+ 1jt transfer-dari-ortu

Daily Transactions

Transaksi Harian

/details [tanggal]

View all transactions for a specific date. Default: today.

Lihat semua transaksi untuk tanggal tertentu. Default: hari ini.

Examples: Contoh:
/details (today's transactions)(transaksi hari ini)
/details 07/01 (January 7th)(7 Januari)
/details 31/12/2025 (Dec 31, 2025)(31 Des 2025)

📊 What you'll see: 📊 Yang ditampilkan:

All income transactions with payment methods
Semua transaksi pemasukan dengan metode pembayaran
All expense transactions with payment methods
Semua transaksi pengeluaran dengan metode pembayaran
Daily net balance (income - expense)
Saldo bersih harian (pemasukan - pengeluaran)
Total transaction count
Jumlah total transaksi

Overview Dashboard

Dashboard Ringkasan

/overview

Complete financial dashboard with V11 enhancements: Health Score, Net Worth, 50/30/20 breakdown.

Dashboard keuangan lengkap dengan peningkatan V11: Skor Kesehatan, Net Worth, breakdown 50/30/20.

💰 Budget Management

💰 Manajemen Budget

Set Budget

Atur Budget

/budget [Kategori] [Limit] [Alert%]

Examples: Contoh:
/budget Makan 3jt 80
/budget Transport 1jt 75
/budget Hiburan 500k 90

Check Budget Status

Cek Status Budget

/cekbudget

View all budgets with usage percentage, alert status, and forecast to end of month.

Lihat semua budget dengan persentase penggunaan, status alert, dan perkiraan hingga akhir bulan.

⚖️ Debt & Receivables Management

⚖️ Manajemen Hutang & Piutang

Record Debt (You owe)

Catat Hutang (Anda berhutang)

/hutang [Nama] [Nominal] [Keterangan] [Tempo]

Examples: Contoh:
/hutang TemenA 5jt pinjaman 2026-02-28
/hutang Bank 10jt KTA 2027-12-31

Pay Debt

Bayar Hutang

/bayar [DEBT_ID] [Nominal] [Account]

Examples: Contoh:
/bayar DBT001 2jt [BCA]
/bayar DBT002 500k [Cash]

Check Debt Status

Cek Status Hutang

/cekutang

List all debts & receivables with status, due date, and overdue alerts.

Daftar semua hutang & piutang dengan status, tanggal jatuh tempo, dan alert overdue.

📺 Subscription Management

📺 Manajemen Langganan

Add Subscription

Tambah Langganan

/addsub [Nama] [Nominal] [Tgl_Tagihan] [Kategori]

Examples: Contoh:
/addsub Netflix 186k 5 Hiburan
/addsub Spotify 54990 10 Hiburan

Check Subscriptions

Cek Langganan

/ceksub

List all subscriptions with payment status, next billing date, and monthly total.

Daftar semua langganan dengan status pembayaran, tanggal tagihan berikutnya, dan total bulanan.

Pay Subscription

Bayar Langganan

/bayarsub [SUB_ID]

Mark subscription as paid for current month with automatic payment tracking.

Tandai langganan sebagai sudah dibayar untuk bulan ini dengan pelacakan pembayaran otomatis.

Examples: Contoh:
/bayarsub SUB001
/bayarsub SUB002

🎯 Financial Goals

🎯 Target Keuangan

Add Goal

Tambah Target

/addgoal [Nama] [Target] [Deadline]

Examples: Contoh:
/addgoal Emergency-Fund 50jt 2026-12-31
/addgoal Laptop 25jt 2026-06-30

Save to Goal

Nabung ke Target

/save [GOAL_ID] [Nominal] [Account]

Examples: Contoh:
/save GOL001 2jt [BCA]
/save GOL002 500k [Mandiri]

Check Goals

Cek Target

/cekgoal

View all goals with progress bar, completion percentage, and estimated monthly save needed.

Lihat semua target dengan progress bar, persentase penyelesaian, dan estimasi tabungan bulanan yang dibutuhkan.

Goal Details

Detail Target

/detailgoal [GOAL_ID]

View comprehensive goal details with progress analysis, timeline, and AI recommendations.

Lihat detail lengkap target dengan analisis progress, timeline, dan rekomendasi AI.

Examples: Contoh:
/detailgoal GOL001
/detailgoal GOL002

📊 Advanced Analytics

📊 Analitik Lanjutan

Financial Snapshot

Snapshot Keuangan

/snapshot

Create instant financial snapshot for net worth tracking. Snapshot saves Assets (Cash, Bank, Receivables), Liabilities (Debt), and Net Worth on a specific date.

Buat snapshot keuangan instan untuk pelacakan net worth. Snapshot menyimpan Aset (Cash, Bank, Piutang), Kewajiban (Hutang), dan Net Worth pada tanggal tertentu.

Net Worth History

Riwayat Net Worth

/networth

View net worth progression from month to month with income/expense breakdown and savings rate.

Lihat perkembangan net worth dari bulan ke bulan dengan breakdown income/expense dan savings rate.

Financial Health Score

Skor Kesehatan Keuangan

/health

AI-powered financial health assessment with score 0-100 and grading A+ to F. Includes personalized recommendations.

Penilaian kesehatan keuangan berbasis AI dengan skor 0-100 dan grading A+ hingga F. Termasuk rekomendasi personal.

Metrics Tracked: Metrik yang Dilacak:
• Savings Rate
• Budget Used %
• Debt/Income Ratio
• Emergency Fund Status

Monthly Report

Laporan Bulanan

/rekap [bulan/tahun]

Comprehensive monthly/yearly financial report with breakdown by category.

Laporan keuangan bulanan/tahunan komprehensif dengan breakdown per kategori.

📂 Master Data Management

📂 Manajemen Data Master

V11 Feature: You can now manage categories, payment methods, and contacts directly from Telegram. Fitur V11: Anda sekarang dapat mengelola kategori, metode pembayaran, dan kontak langsung dari Telegram.

Kategori

/listcategory

View all available categories with grouping Income/Expense and budget type indication.

Lihat semua kategori yang tersedia dengan grouping Income/Expense dan indikasi tipe budget.

/addcategory [Nama] [Type] [BudgetType] [Icon] [Color]

Examples: Contoh:
/addcategory Streaming Expense Wants 📺 #F59E0B
/addcategory Gym Expense Needs 💪 #10B981

Accounts & Assets

Akun & Aset

New in V11.5: Unified Asset Tracking! Now you can track Cash, Banks, E-Wallets, AND physical assets like Gold, Vehicles, and Property. Baru di V11.5: Pelacakan Aset Terpadu! Sekarang Anda bisa melacak Tunai, Bank, E-Wallet, DAN aset fisik seperti Emas, Kendaraan, dan Properti.

1. View All Accounts

1. Lihat Semua Akun

/accounts

Displays a comprehensive list of all financial accounts and assets with their current values.

Menampilkan daftar lengkap semua akun keuangan dan aset dengan nilai saat ini.

2. View Assets Portfolio

2. Lihat Portfolio Aset

/aset

Focuses only on your investment and physical assets (Gold, Property, Vehicles).

Hanya menampilkan aset investasi dan fisik Anda (Emas, Properti, Kendaraan).

3. Add Account/Asset

3. Tambah Akun/Aset

/addaccount [Nama] [Type] [Provider]

Examples: Contoh:
/addaccount BCA Bank BCA
/addaccount EmasAntam Asset Antam
/addaccount SBN Investment Kemenkeu
/addaccount Rumah Property Pribadi

Contacts

Kontak

/addcontact [Nama] [Type] [Phone]

Examples: Contoh:
/addcontact John Business 0812345678
/addcontact Sarah Personal 0898765432

/listcontact

🔧 System Commands

🔧 Perintah Sistem

Auto Heal

Penyembuhan Otomatis

/heal

Run auto-heal for data integrity. V11 healing includes:

Jalankan auto-heal untuk integritas data. Penyembuhan V11 mencakup:

Master data sync
Sinkronisasi data master
Analytics engine validation
Validasi mesin analitik
Payment method balance sync
Sinkronisasi saldo metode pembayaran
Category normalization
Normalisasi kategori
Soft delete cleanup
Pembersihan soft delete

Transaction Detail

Detail Transaksi

/detail [TRX_ID]

View complete transaction details including payment method, tags, attachments (V11).

Lihat detail transaksi lengkap termasuk metode pembayaran, tag, lampiran (V11).

Edit Transaction

Edit Transaksi

/edit [TRX_ID] [field] [value]

Edit transaction with audit trail (Modified_By, Modified_Date).

Edit transaksi dengan audit trail (Modified_By, Modified_Date).

Delete Transaction (Soft Delete)

Hapus Transaksi (Soft Delete)

/hapus [TRX_ID]

V11 Soft Delete: Data is not permanently lost! Sets Is_Deleted = TRUE with Deleted_Date tracking for recovery.

V11 Soft Delete: Data tidak hilang permanen! Set Is_Deleted = TRUE dengan pelacakan Deleted_Date untuk pemulihan.

⚠️ Reset Transaction Data

⚠️ Reset Data Transaksi

/reset

CRITICAL WARNING: This command deletes ALL transaction history (Income, Expense, Debt, Subscriptions, Goals Savings). Master data (Categories, Payment Methods, Contacts, Budget Settings, Goal Targets) will be preserved. PERINGATAN KRITIS: Perintah ini menghapus SEMUA riwayat transaksi (Income, Expense, Debt, Subscription, Goals Savings). Data master (Kategori, Metode Pembayaran, Kontak, Pengaturan Budget, Target Goal) akan disimpan.

How to Use:

Cara Penggunaan:

Type /resetKetik /reset
Bot sends a 5-letter confirmation code (e.g., ABCDE)Bot mengirim kode konfirmasi 5 huruf (misal: ABCDE)
Reply with /reset ABCDE within 5 minutesBalas dengan /reset ABCDE dalam waktu 5 menit

What Gets Deleted: Yang DIHAPUS:

📈 Income (semua pemasukan)
📉 Expense (semua pengeluaran)
💳 Debt (semua hutang/piutang)
🔄 Subscription (semua langganan)
🎯 Goals savings (progress tabungan)

What Gets Preserved: Yang DISIMPAN:

Category_Master
Contact_Master
Payment_Methods
Budget settings
Goals (target tetap ada)

Recommendation: Always perform /snapshot before resetting if you want to save your financial history. Rekomendasi: Selalu lakukan /snapshot sebelum reset jika ingin menyimpan riwayat keuangan Anda.

Reset Flow

Alur Reset

Step 1: Request reset with confirmation code

Langkah 1: Minta reset dengan kode konfirmasi

Step 2: Confirm with the 5-letter code

Langkah 2: Konfirmasi dengan kode 5 huruf

⏱️ Real-time Process Time Monitoring

⏱️ Pemantauan Waktu Proses Real-time

V11.5 Feature: Every bot response now displays process time and server status indicator. This helps you monitor database and server performance in real-time. Fitur V11.5: Setiap respons bot sekarang menampilkan waktu proses dan indikator status server. Ini membantu Anda memantau performa database dan server secara real-time.

Status Indicators

Indikator Status

🟢

Excellent

< 2 seconds

Warm cache, fast DB operations

Cache aktif, operasi DB cepat

🟡

Normal

2 - 5 seconds

Typical database operations

Operasi database tipikal

🔴

Slow

> 5 seconds

Cold start, heavy operations

Cold start, operasi berat

How It Works

Cara Kerja

The system measures the total time from receiving your Telegram message to saving data in your Google Spreadsheet and sending back the confirmation. This includes network communication and database operations.

Sistem mengukur total waktu dari menerima pesan Telegram Anda hingga menyimpan data di Google Spreadsheet dan mengirim kembali konfirmasi. Ini termasuk komunikasi jaringan dan operasi database.

Example Response

Contoh Respons

                ✅ Tersimpan di Expense:
                TRX: ABC12345
                Tgl: 06/01/2026
                📉 Rp 50.000
                📂 Makan
                📝 lunch

                ━━━━━━━━━━━━━━━
                🟢 1.87s • Excellent
            

Pro Tip: If you consistently see 🔴 Slow indicators, try using /optimize to improve performance, or /archive to archive old data. Tips: Jika Anda terus melihat indikator 🔴 Slow, coba gunakan /optimize untuk meningkatkan performa, atau /archive untuk mengarsipkan data lama.

🔬 Advanced System Commands

🔬 Perintah Sistem Lanjutan

For Power Users: These commands provide deep system insights and management capabilities. Untuk Power User: Perintah ini memberikan wawasan sistem mendalam dan kemampuan manajemen.

System Diagnostic

Diagnostik Sistem

/diagnostic

Complete system health check with database status, capacity, performance metrics, and system info.

Pemeriksaan kesehatan sistem lengkap dengan status database, kapasitas, metrik performa, dan info sistem.

Capacity Monitor

Monitor Kapasitas

/capacity

View detailed storage usage per sheet with visual progress bars and estimated time until full.

Lihat penggunaan storage detail per sheet dengan progress bar visual dan estimasi waktu hingga penuh.

Performance Optimization

Optimasi Performa

/optimize

Rebuild analytics engine, optimize database, and cleanup data for peak performance.

Rebuild mesin analitik, optimasi database, dan pembersihan data untuk performa puncak.

Data Archiving

Pengarsipan Data

/archive [year]

Archive old data to improve performance while keeping backup for future restoration.

Arsipkan data lama untuk meningkatkan performa sambil menjaga backup untuk pemulihan di masa depan.

Example: Contoh:
/archive 2024

List Archives

Daftar Arsip

/listarchives

View all archived data with size, record count, and creation date.

Lihat semua data yang diarsipkan dengan ukuran, jumlah record, dan tanggal pembuatan.

Restore Archive

Pulihkan Arsip

/restore [ARCHIVE_ID]

Restore archived data back to active sheets with duplicate prevention.

Pulihkan data arsip kembali ke sheet aktif dengan pencegahan duplikat.

Example: Contoh:
/restore ARC_2024_001

Delete Archive

Hapus Arsip

/deletearchive [ARCHIVE_ID]

Permanently delete an archive to free up storage space.

Hapus arsip secara permanen untuk membebaskan ruang penyimpanan.

Warning: This action cannot be undone! Peringatan: Aksi ini tidak dapat dibatalkan!

Example: Contoh:
/deletearchive ARC_2022_001

MoneyBot V11.5 - Complete Manual

MoneyBot V11.5 - Panduan Lengkap