Users can log income and expenses, track accounts and debts, and view reports on spending, savings, cash flow, and net worth. The service also supports budgets, financial goals, recurring bills, calendars, and reminders, helping individuals and families stay on top of everyday finances. Entries can be categorized automatically, while transfers between accounts are kept separate from expenses. Users can also import and export records using an Excel template.

For bigger decisions, beruang.finance offers 17 calculators covering topics such as home loans, vehicle financing, debt repayment, emergency funds, retirement, investments, and financial independence. Its Beruang assistant can prepare transaction entries from typed messages, and VIP users can create records from receipt photos. The platform offers one-time-payment Premium and Plus packages, with Plus adding decision-making calculators. The site describes the service as a trial, noting that features are currently open to try and that figures and interface details may change.