Free · Works offline · Private

Slow and steady ang ipon.

The budget app built for how Filipinos really handle money: kinsenas, GCash, cards, paylater, utang and sangla. Private on your phone, accurate to the centavo.

Start free See how it works

Android & iPhone apps coming soon. Works in any phone browser today.

Ubos na naman ang sahod… ang 10th pa lang!

My wallet

₱0.00

Sahod in 5 days… 😟

Scene 1 of 5: Payday is gone by the 10th. Ubos na naman ang sahod… ang 10th pa lang!

  • Works offlineOn the MRT or in the province
  • Private by designEncrypted, even from us
  • Free coreNo ads in the app
  • Made for PHPesos, kinsenas, Taglish

Ponpon quick-add

Just type it. Ponpon logs it.

No forms, no dropdowns. Write it like a text to a friend, say it out loud, or snap the receipt. Ponpon understands Taglish and 7 more Filipino languages, right on your phone.

  • Type it like a text“jollibee 250 gcash”, “grab 180 kahapon”, “sahod 18k bpi”. Ponpon reads the amount, category, wallet and date, and fills the form for you.
  • Say it out loudTap the mic and talk in Taglish or your own language: “dalawang daan sa grab kahapon”. Ponpon understands 8 Filipino languages, number words included.
  • Snap the receiptTake a photo or upload one. Iponista reads the store, total and date on your phone. The photo never leaves your device.
See every feature
Ponpon quick-addRuns on your phone

Type what you spent, earned or moved,
like you would text a friend.

Nothing is saved without your tap. This demo uses a sample book.

The Iponista story

From “saan napunta ang sahod?” to ipon that grows.

Fifteen seconds with Ponpon: what money feels like before Iponista, and after.

  1. Step 1: Add your wallets

    Cash, GCash, Maya, banks and cards from a list of 100+ PH templates. Takes a minute.

  2. Step 2: Log it your way

    Type “jollibee 250 gcash”, say it in Taglish, or snap the receipt. Ponpon fills in the rest.

  3. Step 3: Stay on track

    Budgets per sahod, reminders before due dates, and a forecast that warns you early.

Ponpon looking a little worried

Before

Money that just… disappears

  • Sahod is gone by the 10th and you can't say where it went
  • Meralco and card due dates remembered a day too late, with penalties
  • Utang forgotten, or an awkward “uy, yung bayad mo?” message
  • Receipts in a shoebox, balances in your head
Ponpon celebrating with coins

After

Calm kinsenas, growing ipon

  • Every peso has a job before sahod even lands
  • Ponpon reminds you before each bill, card and sangla is due
  • Who owes who is written down, with a friendly share card to send
  • An emergency fund that grows, peso by peso, kinsenas by kinsenas

Your day

Open the app. Know where you stand.

A morning hello from Ponpon, your net worth, what's due soon and how many days until sahod. Everything important on one calm screen.

  • Greets you by the time of day
  • Due-soon strip and payday countdown
  • Net worth with this month's change

Every wallet

GCash, BPI, your card. One swipe away.

Your wallets look like the real cards in your pocket, with real bank and e-wallet logos. Swipe through them and see your true net worth, cards and paylater included.

  • 100+ Philippine banks, e-wallets and paylater
  • Balances explained line by line
  • Hide amounts with one tap

Never late again

Bills, sangla and utang, remembered for you.

Meralco, rent, card statements, installments, pawn tickets and who owes you. Ponpon reminds you before each one, and counts down to sahod.

  • Payday countdown with what's due before it
  • Exact card statement amounts
  • Mark paid in one tap

Will it last?

See your money until the next sahod.

The cash-flow forecast plays out your bills, paydays and everyday spending, and tells you early if you're about to run short, with a daily limit that keeps you safe.

  • Day-by-day forecast
  • Shortfall warnings
  • What-if spending

Everything you need to manage your pera

Built from what Filipino users actually asked for, and fixing what other budget apps get wrong.

Every peso, every wallet

Cash, e-wallets, banks, cards and paylater in one honest net worth.

100+ Philippine providers · Balances you can trust · Credit card cycles · Investments & foreign currency

Learn more

Plan around sahod

Budgets and reminders built for the 15th and the 30th.

Kinsenas budgets · Bills & payday calendar · Cash-flow forecast · Savings goals

Learn more

Utang, split bills & sangla

The money between people, finally tracked properly.

Utang both ways · Split bills & pakaskas · Installments & paylater · Sangla tickets

Learn more

See where it goes

Clear numbers, and a friend who reads them for you.

Statistics · Ponpon's daily notes · Search & export · Move in from another app

Learn more

Learn, and get certified

Money skills that stick, with a certificate to show for it.

Iponista Academy courses · Certificates & tiers · Badges & streaks · Free calculators & blog

Learn more

Private and offline

Your money data is encrypted on your phone before it syncs. Not even we can see it.

Works offline · PIN or fingerprint lock · Encrypted backups · No ads in the app, no bank logins

Learn more
Explore all features

Built from your reviews

You told budget apps what was broken. We listened.

We read more than a hundred public reviews of Philippine budget apps before writing a single line of code. These are the complaints that came up again and again, and what Iponista does about each one.

  • CarloNurse, Cebu

    My balance is wrong after I paid my card.

    Ponpon the sea turtle waving helloIponistaEvery peso is double-entry. Tap any balance and see the exact lines behind it.

  • AnaBPO agent, Quezon City

    I lost my entries after the app restarted.

    Ponpon the sea turtle waving helloIponistaEach entry is saved on your phone before it says Saved, with a backup copy kept automatically.

  • TessMom of three, Batangas

    Too many features, I can't find anything.

    Ponpon the sea turtle waving helloIponistaSimple Mode, big tap targets, and Ponpon to ask when you're lost.

  • BeaCollege student, Manila

    My import from Money Manager failed and I'd already paid.

    Ponpon the sea turtle waving helloIponistaFree core, and every import shows a full preview before anything changes.

  • JomarDelivery rider, Pasig

    The installment still shows overdue after I paid it.

    Ponpon the sea turtle waving helloIponistaPaying a plan settles its schedule. What's left to pay is always the real amount.

  • LizaOnline seller, Davao

    I want to track utang, paylater and my kinsenas.

    Ponpon the sea turtle waving helloIponistaUtang, pakaskas, SPayLater/GGives, sangla and 15th/30th budgets are built in.

Iponista is brand new, so there are no store reviews yet. We'd rather show none than fake them. The people above are illustrated personas based on common review themes, not real customers. Try Iponista, and your review could be the first real one here.

Private by design

Your finances are nobody else's business. Not even ours.

Encrypted, even from us

No ads or tracking in the app. Your account is just your name and email; your money data is encrypted on your phone before it syncs, so only you can read it.

Locked with your PIN

PIN or fingerprint lock, hidden amounts in the app switcher, and encrypted backup files.

Works offline

Log a gastos anywhere. Everything is saved instantly on your device.

Your data, your exit

Export everything to CSV or a backup file whenever you want.

Free money toolsIncome tax, SSS/PhilHealth/Pag-IBIG, 13th month and 50/30/20 calculators.
Iponista Academy5-minute guides on sahod, emergency funds, MP2, cards and utang.

FAQ

Frequently asked questions

Everything people ask before they start their ipon. Still stuck? Ask Ponpon — he knows Iponista inside out.

See all 21 questions
Is Iponista free?

Yes. The core tracker — wallets, transactions, budgets, reminders, history and backups — is free with no ads in the app. Iponista Pro will be an optional one-time purchase for advanced features.

Can I talk to it in Taglish?

Yes. Type or say things like “jollibee 250 gcash” or “dalawang daan sa grab kahapon” and Ponpon understands the amount, the wallet and the date. You always check the form before it's saved.

Does Iponista connect to my bank or GCash?

No, and it never asks for your bank or e-wallet login. You log money by typing, speaking or scanning a receipt, and Ponpon fills in the amount, category, wallet and date for you.

Can I track GCash, Maya and credit cards?

Yes. Add e-wallets, bank accounts, credit cards, paylater (SPayLater, GGives, TikTok PayLater, Atome, BillEase), loans, SSS, Pag-IBIG and MP2 as accounts.

Can I budget per kinsenas?

Yes. Set budgets per category and see a payday countdown with what's still due before your next sahod, so the 15th doesn't run out before the 30th.

Does it work offline?

Yes. Once opened, Iponista works fully offline — on the MRT, in the province, or with no load. (Voice input uses your browser's speech service, which needs internet on most phones; typing always works offline.)

Start your ipon today

Free, private, and ready in seconds. No download needed.

Open Iponista

Ask Ponpon about Iponista