Questions about Iponista, answered

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

Yes, a free one: just your name, email and a password. It takes 30 seconds and keeps your book safe. Your money data stays on your device (we can't see it), and once you've signed in the app works offline. Syncing between devices is coming and will be end-to-end encrypted.

No. Iponista is a tracker: it records the money you already have in your cash, banks, e-wallets and cards. It never holds, moves or invests money, and it isn't affiliated with any bank or e-wallet.

Yes. Import a Money Manager backup (.mmbak, Android or iPhone) or any CSV — bank statements, Bluecoins, Wallet, Spendee. You see a full preview, your balances match your old app to the centavo, and you can undo.

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.

Ponpon understands English, Tagalog, Cebuano, Ilocano, Hiligaynon, Bikol, Kapampangan and Waray, including number words like “duha ka gatos”. Ask Ponpon replies in English, Tagalog, Cebuano, Ilocano or Hiligaynon.

Take a photo or upload one, and Iponista reads the store, total and date right on your phone, then fills the form for you to check. The photo never leaves your device. The first scan needs internet once to download the reader.

A chat inside the app that answers questions about your own money: “magkano nagastos ko sa food?”, what's due this week, how much budget is left, or who owes you. It reads your book on your phone, so it works offline and nothing is sent anywhere.

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.

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

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.

Yes. Record who owes you and what you owe, split a bill with barkada, and log pakaskas — a friend's purchase on your card — without it counting as your own spending.

Iponista reminds you before bills, card due dates, installments, pawn tickets and utang: on your Home screen and reminders list, and as phone notifications if you allow them.

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.)

Yes. Your transactions and balances live on your phone and sync to your account end-to-end encrypted: they are locked on your phone before upload, so we can't read them. Your account is only your name, email and password. Add a PIN or fingerprint lock and hide amounts with one tap. No ads, and our website stats use no cookies.

Iponista keeps automatic backups on your device, and you can export an encrypted backup file anytime from Settings, then restore it on your new phone. Encrypted Cloud sync is coming.

Yes. Open Iponista in any modern browser on your laptop or tablet; it works like an app and can be installed from the browser menu. Until Cloud sync arrives, each device keeps its own data (move it with a backup file).

The Play Store and App Store apps are coming soon. Today Iponista runs in any phone browser: open it and choose “Add to Home screen” to install it like an app, offline mode included.

Free, short courses on budgeting, saving, utang and credit, investing basics, OFW money and staying safe from scams. Each lesson has a quiz; pass the course exam to earn a certificate you can download and share.

Finish the three core courses (Budgeting Basics, Smart Saving, Debt & Credit) and pass their exams. Your profile ring turns gold and you get the Certified Iponista certificate.

Tap the chat bubble on this website: Ponpon answers right away and you can leave a message for a real person. In the app, go to More → Help & feedback. We usually reply within a day.