Personal finance software has not developed in Indonesia yet. The developers sell the personal finance software as commodities. Commodities refer to products that are undifferentiated, same products, same costs, and same value (Evelyn Ehrlich, 2004:41). Personal finance related to the money, and people tend to high emotionally about money. The product must have engagement with the customers. Personal finance software is not only asking for financial data input, processing all of the data, and display the report. The software has to provide more services, such as consulting, personal financial case, or other benefits.