diff --git a/ai_brain.py b/ai_brain.py
index fe3ee35..30b461d 100644
--- a/ai_brain.py
+++ b/ai_brain.py
@@ -18,7 +18,7 @@ def get_system_instruction():
 SKEMA JSON:
 [
   {{
-    "tipe": "pemasukan" | "pengeluaran" | "investasi",
+    "tipe": "pemasukan" | "pengeluaran" | "investasi" | "saldo",
     "item": "deskripsi singkat transaksi",
     "nominal": angka integer,
     "kategori": {categories_str}
@@ -28,10 +28,11 @@ def get_system_instruction():
 
 ATURAN KETAT:
 1. Gunakan format LIST [ ... ] meskipun hanya ada satu transaksi.
-2. Konversi singkatan angka: "k" / "rb" = 1000, "jt" / "juta" = 1000000.
-3. Jika nominal dalam teks (misal: "setengah juta", "seratus ribu"), ubah ke angka integer (misal: 500000, 100000).
-4. Fokus pada uang masuk, keluar, atau investasi.
-5. Jawaban HANYA berupa JSON murni tanpa teks pengantar. Jika tidak ada transaksi sama sekali, kembalikan [ {{ "error": true }} ].
+2. Gunakan tipe "saldo" jika pengguna menyebutkan total uang/saldo saat ini (misal: "saldo saya 1 juta").
+3. Konversi singkatan angka: "k" / "rb" = 1000, "jt" / "juta" = 1000000.
+4. Jika nominal dalam teks (misal: "setengah juta", "seratus ribu"), ubah ke angka integer (misal: 500000, 100000).
+5. Fokus pada uang masuk, keluar, atau investasi/saldo.
+6. Jawaban HANYA berupa JSON murni tanpa teks pengantar. Jika tidak ada transaksi sama sekali, kembalikan [ {{ "error": true }} ].
 """
     return instruction
 
diff --git a/database.py b/database.py
index 5b6a4bd..9c363ab 100644
--- a/database.py
+++ b/database.py
@@ -669,3 +669,25 @@ def get_all_transactions_export(month_str=None, user_id=None):
     finally:
         cursor.close()
         conn.close()
+
+def get_user_balance(user_id):
+    """
+    Menghitung total saldo saat ini dari user (Pemasukan - Pengeluaran - Investasi).
+    """
+    conn = get_connection()
+    try:
+        cursor = conn.cursor(dictionary=True)
+        # Hitung saldo: sum income - sum expense - sum investment
+        cursor.execute('''
+            SELECT 
+                SUM(CASE WHEN tipe = 'pemasukan' THEN nominal ELSE 0 END) - 
+                SUM(CASE WHEN tipe = 'pengeluaran' THEN nominal ELSE 0 END) - 
+                SUM(CASE WHEN tipe = 'investasi' THEN nominal ELSE 0 END) as balance
+            FROM transactions 
+            WHERE user_id = %s
+        ''', (user_id,))
+        res = cursor.fetchone()
+        return res['balance'] if res['balance'] is not None else 0
+    finally:
+        cursor.close()
+        conn.close()
diff --git a/handlers/nlp_message.py b/handlers/nlp_message.py
index fddeaf5..958c024 100644
--- a/handlers/nlp_message.py
+++ b/handlers/nlp_message.py
@@ -40,7 +40,30 @@ def handle_text(message):
                 
                 # Save to database based on type
                 try:
-                    if tipe in ["pemasukan", "pengeluaran", "investasi"]:
+                    if tipe == "saldo":
+                        # Reconcile balance
+                        current_balance = database.get_user_balance(user_id)
+                        diff = nominal - current_balance
+                        
+                        if diff == 0:
+                            summary_lines.append(f"💰 *Saldo:* Sudah sesuai di angka Rp {nominal:,.0f}")
+                            success_count += 1
+                            continue
+
+                        # Determine if reconciliation is income or expense
+                        rec_tipe = "pemasukan" if diff > 0 else "pengeluaran"
+                        rec_nominal = abs(diff)
+                        rec_item = "Penyesuaian Saldo"
+                        
+                        last_id = database.insert_transaction(user_id, rec_tipe, rec_item, rec_nominal, "lainnya")
+                        
+                        icon = "💰"
+                        summary_lines.append(
+                            f"{icon} *Saldo disesuaikan:* Rp {current_balance:,.0f} ➔ Rp {nominal:,.0f} (`T-{last_id}`)"
+                        )
+                        success_count += 1
+
+                    elif tipe in ["pemasukan", "pengeluaran", "investasi"]:
                         last_id = database.insert_transaction(user_id, tipe, item, nominal, kategori)
                         
                         if tipe == "pemasukan":