How it works
From sahod to ipon, in 7 easy steps.
Iponista takes about 13 minutes to set up and a few seconds a day after that. Watch the 2-minute tour, then follow the whole journey, from your free account to your Certified Iponista certificate.
Read the transcript
- 0:00Sahod day. Ang saya… hanggang a-diyes. Tapos, ubos na naman. Saan ba napunta?
- 0:12Ponpon: Hala… zero na?!
- 0:16Kilalanin si Ponpon. Tulad ng marami sa atin, gusto rin niyang mag-ipon. Kaya sinubukan niya ang Iponista.
- 0:24Ponpon: Iponista? Sige, subukan ko!
- 0:28Libre ito. Gumawa ng account in thirty seconds, pangalan at email lang. At ang money data mo? Nasa phone mo lang. Private.
- 0:39I-add ang wallets mo: cash, GCash, Maya, bangko, credit card, pati paylater. Kita agad ang tunay mong net worth.
- 0:51Ang pinakamadaling part: mag-log. I-type lang, parang text. “Jollibee, 250, GCash.” Si Ponpon na ang bahala sa amount, category, wallet at petsa.
- 1:05Ponpon: Type lang, tapos na!
- 1:09Pwede ring sabihin, in Taglish o sa sarili mong wika. O kaya, i-scan ang resibo.
- 1:16Naglipat ng pera mula BPI papuntang GCash? May utang si pinsan? Nag-split bill kayo ng barkada? Lahat, naka-track.
- 1:26Mag-budget per kinsenas. Ipapaalala ni Ponpon ang Meralco, ang credit card, at kung ilang araw pa bago ang sahod.
- 1:36Tingnan kung saan napupunta ang pera mo. O itanong mismo kay “Magkano na ang nagastos ko sa food?”
- 1:48Matuto pa sa Iponista Academy. Pumasa sa quizzes, at maging Certified Iponista.
- 1:55Ponpon: Certified na ako!
- 1:58Gumagana kahit offline. Walang ads. At ang data mo, sa'yo lang.
- 2:04Slow and steady ang ipon. Buksan ang Iponista. Libre, ngayon na.
- 2:11Ponpon: Tara, ipon na!
The 7 steps
1Step 1 · about 1 min
Make your free account
Just your name, email and a password. It takes about 30 seconds, and your money data is encrypted before it ever leaves your phone.
2Step 2 · about 2 min
Add your wallets
Pick from 100+ Philippine banks, e-wallets, cards and paylater, and type what's in each one today.
- 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.
3Step 3 · about 1 min
Log money in seconds
Type “jollibee 250 gcash”, say it out loud, or snap the receipt. Ponpon fills the form; you tap Save.
Try it: the box on this page runs the real Ponpon quick-add.
4Step 4 · about 2 min
Plan your sahod
Set kinsenas budgets and add bills. Ponpon reminds you before each one and counts down to payday.
5Step 5 · about 1 min
See where it goes
Check your statistics, the cash-flow forecast and Ponpon's notes about your own spending.
6Step 6 · about 1 min
Ask Ponpon anything
“Magkano na nagastos ko sa food?” Ponpon answers from your own data, right on your phone.
7Step 7 · about 5 min
Learn and level up
Take the short Academy courses, pass the quizzes and earn your Certified Iponista certificate.
Browse the free courses
What happens to your data
Short answer: it stays with you. Here's how Iponista is built.
Saved on your phone
Your transactions live in a private database on your device. Your account is only your name, email and password.
Works without internet
Log, budget and ask Ponpon offline. Receipt photos are read on the phone and never uploaded.
You hold the keys
Lock it with a PIN or fingerprint and keep encrypted backups. Iponista never asks for bank or GCash logins.
Quick answers before you start
Do I need to create an account?
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.
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 move my data from another app?
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.
What if I lose or change my phone?
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.
