Three steps. No accounting degree required.

Ledgerowl handles transaction categorization and draft preparation, but it does not replace an accountant for complex tax situations. If you have employees, multiple income streams, or unusual transactions, a licensed tax consultant (konsultan pajak) reviewing your filings is still good practice. Many of our Pro users share their PDF export with an accountant monthly, which saves the accountant several hours of data preparation work.

We use read-only bank connections. Ledgerowl can only read your transaction history; it cannot initiate transfers or modify anything in your bank account. All data is encrypted in transit and at rest. Your bank credentials are never stored by Ledgerowl. We connect through a certified Indonesian financial data aggregator that meets OJK (Otoritas Jasa Keuangan) data handling standards.

Ledgerowl covers PPh 21 (Pajak Penghasilan Pasal 21 for employee salary tax), PPh 25 (monthly instalments on business income), and PPh 29 (annual income tax settlement). PPN tracking is available for businesses registered as Pengusaha Kena Pajak (PKP). PPh 23 (withholding on services) is flagged but not yet auto-drafted. Final PPh (such as the UMKM 0.5% regime) is supported for eligible businesses.

Yes, always. Click on any transaction and change its category from the dropdown. Your correction is applied immediately and saved permanently. The system also remembers your correction for that vendor, so future transactions from the same source are categorized consistently with your preference. You are never locked into a category the AI assigned.

Ledgerowl handles mixed-channel businesses. You can import your Tokopedia disbursement CSV alongside your bank transactions. Each income source is logged separately in your transaction list, and you can create custom labels to distinguish online versus physical sales. Your PPh draft consolidates all income sources into a single filing view. This is one of the most common use cases among our early-access merchants.

If your business is registered as a PKP (Pengusaha Kena Pajak), Ledgerowl tracks PPN on both your sales invoices (Pajak Keluaran) and purchase invoices (Pajak Masukan). It calculates the net PPN payable each period. You will need to upload tax invoice (faktur pajak) details for Pajak Masukan claims. PPN handling is included in the Pro and Business plans.

Yes. On the Business plan you can add up to three team members, which includes your external accountant if you wish. They log in with their own credentials and see your data in read-only or edit mode depending on what permission you grant. Alternatively, you can generate and email a PDF export from any plan without giving anyone direct access to your account.

PPh 25 monthly instalments are due by the 15th of the following month. Annual PPh 29 (Surat Pemberitahuan Tahunan) for individual business owners is due by March 31 of the following year; for PT (Perseroan Terbatas) entities it is due by April 30. Ledgerowl shows a filing deadline reminder in your dashboard the week before each monthly due date. We do not submit on your behalf, but we make sure your draft is ready well before the deadline.