# Karib > AI-native HRIS for multi-outlet businesses in Indonesia. Karib checks every payroll run against PPh 21 TER, BPJS, UMK and overtime rules, and produces Coretax XML. - English: https://karib.id/ (markdown: https://karib.id/index.md) - Bahasa Indonesia: https://karib.id/id/ (markdown: https://karib.id/id/index.md) New · Coretax XML for BP21, BPMP, BPA1 ## The colleague who checks payroll before the money moves. Karib is the AI-native HRIS for multi-outlet businesses in Indonesia. It reads each payroll run, recomputes PPh 21, BPJS and overtime with a rules engine, flags every discrepancy in rupiah with the rule behind it, and waits for a person to approve. First month's audit is free. No integration needed: upload your payroll export. - **input:** Excel or CSV export from your HRIS - **checks:** PPh 21 TER, BPJS, minimum wage, overtime, proration - **output:** Approved fixes, an audit trail, Coretax XML - **privacy:** Names and NIK masked before the AI model ## Product: One September run, checked line by line. A sample F&B group: 142 employees across 9 outlets, with made-up names, codes and amounts. Karib checks every employee against nine groups of rules, explains each finding with the rule and the arithmetic, and prepares a change package for your HRIS once every finding has a decision. The same run as a printable report, with the rule and the working for every finding: download the sample audit report (PDF) ## What Karib checks: Many moving parts, and they move every month. Your HRIS computes the run. Karib checks it against the policy you set in your HRIS, and tells the owner where that policy differs from the rules below. ### PPh 21 under TER Since January 2024, monthly withholding uses effective rates across three PTKP categories (PP 58/2023, PMK 168/2023). December switches back to the annual Article 17 calculation and settles the year. ### BPJS wage caps Health contributions stop at a Rp 12,000,000 wage base. The pension programme has its own cap, revised every year. ### Minimum wages by region Set every year per province, and again per regency or city. A group with outlets in several cities pays against several floors. ### Overtime multipliers Paid from an hourly wage of 1/173 of the monthly wage: 1.5× for the first hour on a workday and 2× for each hour after (PP 35/2021). ### Coretax bulk XML Since 2025, withholding slips go to DJP as bulk XML through Coretax. A malformed NIK gets the slip rejected. ### Weekly churn In multi-outlet F&B and retail, people join, resign, swap shifts and move between outlets every week, against a fixed pay date. ## How it works: From export to approved run. Karib does the checking, then shows its working. A person stays in charge of every change. ### Read Upload the HRIS export or the payroll spreadsheet. No integration needed to start. ### Recompute A deterministic engine recalculates tax, BPJS, overtime and proration for every employee. ### Explain Each discrepancy comes with the rupiah amount, the rule and the arithmetic. ### Approve The payroll lead approves or rejects each fix. Every decision is logged. ### File Karib produces Coretax bulk XML for BP21, BPMP and BPA1. Using Talenta? See how Karib checks the Salary Detail export ## Modules: One system, from the payroll check to the whole of HR. Start with the audit on top of the HRIS you use today. Move payroll at the start of a tax year, so the December PPh 21 calculation has the whole year in one system. Add the HR modules when you are ready to retire the old one. ### Payroll audit (start here) Karib checks the payroll your current HRIS produces, every month before pay day. The first month is free. Every new case it meets becomes a rule. ### Payroll (then) Karib runs the payroll itself: rules engine, payslips and Coretax XML, with employee data imported from your old HRIS. Attendance and leave can stay where they are. ### HR (the full HRIS) Shift and attendance per outlet, leave and overtime requests, and employee self-service on WhatsApp. With these, the old HRIS can go. ### The difference: HR says what happened. Karib does the follow-up. One resignation usually means updating several screens: employee data, payroll, BPJS, tax, the shift schedule. In Karib, HR writes one sentence. Karib prepares every consequence, shows its working and waits for approval. Employees ask for their leave balance or payslip on WhatsApp, without waiting for HR. ## Security: Built for numbers people get paid by. An AI agent near payroll has to be predictable where the money is, and helpful everywhere else. ### Rules compute, the model explains Tax and contribution figures come from a tested rules engine. The language model reads documents, writes explanations and answers questions. It never produces a payroll number. ### The model sees pseudonyms Names and NIK are replaced before any model call. Amounts stay attached to an employee code. ### A person approves every change Karib prepares fixes. Applying one takes a named approver, and the decision is kept with the run. ### Designed for UU PDP Payroll and identity data are personal data under Law 27/2022. Karib processes them under a data processing agreement signed with each customer. ## For payroll outsourcing: Run payroll for many clients? Check every run before pay day. Payroll outsourcing teams were among the first to try Karib. One team handles many companies, each with its own pay date, policies and HRIS export. Karib checks every run against that client's rules, and every finding comes with its working, ready to pass on to the client. ### Each client keeps its own rules Proration, overtime policy, approval rules and the regional minimum wage are set per client, so one client's policy never leaks into another client's run. ### Every client checked before pay day Upload each client's payroll export as it closes. Findings are kept per client, so the team can see which run is ready to pay and which still waits on a decision. ### Evidence your client can read Each finding shows the rule, the regulation behind it and the working in rupiah, and every approval is logged with a name. Coretax XML is produced separately for each client. ## Pricing: Start free. Pay per employee. For companies with 50 to 500 employees. A monthly price per employee, based on headcount and the number of outlets. Ask for a quote for your company. ### Free audit (Rp 0 · first month) One month's run, checked in full. We show every discrepancy in rupiah with the rule behind it, and you decide what happens next. ### Monthly audit (per employee / month) On top of the HRIS you already use. Every run checked before pay day, Coretax XML included. ### Payroll + HR (per employee / month) Karib runs your payroll and HR, with the audit built in. ## FAQ: What HR teams usually ask. Short answers about the product, the rules it checks and your data. ### What is Karib? Karib is an AI-native HRIS for multi-outlet businesses in Indonesia, such as F&B and retail groups. It starts as a payroll checker on top of the HRIS you already use: it recomputes PPh 21, BPJS, minimum wage, overtime and proration for every employee, flags each discrepancy in rupiah with the rule behind it, and waits for a person to approve the fix. ### Do I have to replace or integrate my current HRIS? No. Upload the payroll export your HRIS already produces, and Karib checks it before pay day. With Talenta, that is the Salary Detail report. For another HRIS, send one month's export first and we will confirm that Karib reads it. You can move payroll into Karib later, at the start of a tax year, and add the HR modules when you are ready to retire the old system. ### Which rules does Karib check? PPh 21 under the TER effective rates (PP 58/2023, PMK 168/2023), including the annual December calculation; BPJS wage caps; regional minimum wages (UMP and UMK); overtime multipliers (PP 35/2021); proration; and Coretax bulk XML for BP21, BPMP and BPA1 withholding slips. BPJS, overtime and proration are checked against the policy you set in your HRIS; where that policy differs from the regulation, Karib reports it to the owner rather than correcting the run. ### Does the AI model calculate salaries? No. Tax and contribution figures come from a tested, deterministic rules engine. The language model reads documents, explains discrepancies and answers questions; it never produces a payroll number. Applying any fix takes a named approver. ### How is employee data protected? Names and NIK are replaced with pseudonyms before any call to the AI model, so amounts stay attached to an employee code. Payroll and identity data are personal data under Law 27/2022 (UU PDP), and Karib processes them under a data processing agreement signed with each customer. ### Who is Karib for? Companies with 50 to 500 employees, especially multi-outlet F&B and retail groups, where people join, resign, swap shifts and move between outlets every week against a fixed pay date. Payroll outsourcing firms can also use it to check every client's run before it is paid. ### Can a payroll outsourcing firm use Karib for its clients? Yes. Payroll outsourcing teams were among the first to try Karib. Each client is checked against its own policies and regional minimum wage, findings are kept separate per client, and Coretax XML is produced for each client. Ask for a quote based on the total number of employees you run payroll for. ### How much does Karib cost? The first month's audit is free. After that, Karib charges a monthly price per employee, based on headcount and the number of outlets. Ask for a quote for your company. ## About: Built from inside payroll work. Karib has been in development since March 2026, built by a founder who works in payroll and writes the software, so every check starts from a mistake that really happens at payroll close. Payroll outsourcing teams, who run payroll for many companies at once, have already been trying it. - **started:** March 2026 - **founder:** A payroll practitioner and engineer - **tried by:** Payroll outsourcing teams - **contact:** hello@karib.id ## Get started: Check last month's payroll, free. Send one month's payroll export. You get back every discrepancy in rupiah, the rule and the arithmetic. Fill in the form. We read every request and reply by email to arrange the file. Prefer email? hello@karib.id The AI colleague for Indonesian HR teams. Contact: hello@karib.id © 2026 Karib · Figures on the product screens are sample data.