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.
Features
The budget app that logs for you.
Type or say it the way you'd text a friend, or snap the receipt. Ponpon, your smart money buddy, understands Taglish and 7 more Filipino languages and fills in the amount, category, wallet and date. On your phone, even offline.
- Free core app
- No bank logins
- Works offline
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.
Log in 3 seconds
Three ways to log, zero forms to fill
The part every budget app gets wrong is the typing. So Ponpon does it for you, and you just check and tap Save.
Say it out loud
Tap 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 receipt
Take a photo or upload one. Iponista reads the store, total and date on your phone. The photo never leaves your device.
Ponpon understands
- English
- Tagalog
- Cebuano
- Ilocano
- Hiligaynon
- Bikol
- Kapampangan
- Waray
Ask Ponpon
“Magkano na nagastos ko sa food?” Just ask.
Ponpon answers from your own book, right on your phone: what you spent, what's due, how much budget is left and who owes you. It can log for you from the chat too, and replies in English, Tagalog, Cebuano, Ilocano or Hiligaynon.
- Private and offlineYour questions and your data never leave the phone.
- Help on the website tooPonpon answers questions about Iponista here, and hands you to a real person when you need one.
Everything else 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 providersGCash, Maya, BPI, BDO, UnionBank, SeaBank, SPayLater, GGives and more, with their real logos.
- Balances you can trustDouble-entry accounting under the hood. Tap any balance to see line by line why it is what it is.
- Credit card cyclesStatement and due dates, and the exact amount to pay after the payments you already made.
- Investments & foreign currencyTrack MP2, stocks or a dollar account, update the value, and see your gain. Type your own exchange rates.
Plan around sahod
Budgets and reminders built for the 15th and the 30th.
- Kinsenas budgetsBudget per category, per payday or per month, with a countdown to your next sahod.
- Bills & payday calendarMeralco, rent, load and subscriptions from ready-made templates. Mark paid in one tap.
- Cash-flow forecastPlays out your bills, paydays and usual spending day by day and warns you early if you'll run short.
- Savings goalsAn ipon jar or a linked wallet, a target date, and a progress ring that fills as you save.
Utang, split bills & sangla
The money between people, finally tracked properly.
- Utang both waysWho owes you and who you owe, with due dates and reminders. Collect or pay back in one tap.
- Split bills & pakaskasSplit a dinner with barkada, or log a friend's purchase on your card without it counting as your spending.
- Installments & paylater0% installments, loans and paylater show what's left to pay, and never a false “overdue”.
- Sangla ticketsPawn loan, interest and maturity date, with a reminder before it matures so you can renew or redeem.
See where it goes
Clear numbers, and a friend who reads them for you.
- StatisticsSpending by category, month vs month, income vs expenses and your net worth trend.
- Ponpon's daily notesEvery morning Ponpon points out what's true for your account: a bill due, a budget running low, your streak.
- Search & exportFind any transaction by note, amount, wallet or category, then export exactly that list to CSV.
- Move in from another appImport a Money Manager backup or any CSV, see a preview, and your balances match to the centavo.
Learn, and get certified
Money skills that stick, with a certificate to show for it.
- Iponista Academy coursesShort lessons on budgeting, saving, utang, investing, OFW money and scams, each with a quiz.
- Certificates & tiersPass the exams to earn certificates and move from bronze to silver to gold: Certified Iponista.
- Badges & streaksSmall wins for logging daily and hitting goals. Turn them off anytime with Simple Mode.
- Free calculators & blogIncome tax, SSS/PhilHealth/Pag-IBIG, 13th month and 50/30/20, plus practical guides on the blog.
Private and offline
Your money data is encrypted on your phone before it syncs. Not even we can see it.
- Works offlineOn the MRT, in the province or with no load. Everything saves instantly on your device.
- PIN or fingerprint lockLock the app, hide amounts with one tap, and blur it in the app switcher.
- Encrypted backupsAutomatic backups on your device and an encrypted backup file you can restore on a new phone.
- No ads, no bank loginsIponista never asks for your bank or e-wallet password and never shows ads.
Let Ponpon do the typing
Free, private and ready in 30 seconds. Works in any phone browser today.