v1.0.8 now available — 5 languages, 7 currencies & localized notifications
Your personal
finance buddy
IponBuddy is a multilingual personal finance app for Filipinos and beyond. Track expenses, set budgets, grow your savings — in your language and currency, all in one place.
OfflineWorks without internet
5 langsEN · TL · JA · ES · KO
7 currencies₱ $ € £ S$ A$ ¥
v1.0.8
🌅 Good morning
Juan 👋
⭐ PRO
⚙️
This Month
This Week
Last Month
This Year
This Month
Total Balance
₱48,320.00
Income
₱32.5K
Expenses
₱12.2K
Net
+₱20.3K
Expense
Income
Wallets
Goals
Analytics
Net Worth
Loans
Categories
Paluwagan
Bills
Contribs
13th Month
Pay Cycle
Budgets
See all ›
Food & Dining
78%
Transport
42%
Shopping
95%
🎯 Savings Goals
See all ›
House Fund
of ₱100K
Japan Trip
of ₱50K
Car DP
of ₱50K
Recent
See all ›
Jollibee
Food & Dining · GCash · Mar 14
-₱245
Salary 🔄
Income · BDO · Mar 1
+₱25K
Meralco
Utilities · Cash · Feb 28
-₱1.8K
SM Supermarket
Shopping · Maya · Feb 27
-₱3.2K
🤝 Active Loans
See all ›
Pedro Santos
60%
Maria Reyes
25%
📄 Upcoming Bills
See all ›
Meralco
2d overdue
PLDT Fiber
3d left
🐷 Active Paluwagan
See all ›
Opisina Group
🎉 YOUR TURN!
Pamilya
Round 3
⭐
Upgrade to Premium
Unlimited wallets, budgets & goals plus advanced analytics
👛 ∞ Wallets
📋 ∞ Budgets
🎯 ∞ Goals
💳 ∞ Loans
📄 ∞ Bills
🤝 ∞ Paluwagan
📊 Analytics
💾 CSV & PDF
📲 SMS Auto-Detect
›
Appearance
Dark Mode
Switch between dark & light theme
Language
App Language
Choose your preferred language
English
›
Currency
Display Currency
Set your preferred currency
₱ PHP
›
Account
App Lock
PIN & Biometric
›
Notifications
Budget, goal & bill alerts
›
Premium
Manage subscription
›
v1.0.8 — April 2, 2026
🌐 Multi-Language & Multi-Currency Support
IponBuddy now speaks 5 languages — English, Filipino (Tagalog), Japanese, Spanish, and Korean. Every screen, modal, alert, and push notification is fully localized. Plus 7 currencies: PHP, USD, EUR, GBP, SGD, AUD, and JPY, each with correct symbol and locale formatting.
See full changelog →
New
Japanese, Spanish & Korean — 3 new languages added (+ existing EN & TL)
New
7 Currencies — USD 🇺🇸, EUR 🇪🇺, GBP 🇬🇧, SGD 🇸🇬, AUD 🇦🇺, JPY 🇯🇵 + PHP 🇵🇭
Impr
Localized Notifications — Alerts fire in your selected language automatically
Impr
Full Screen Coverage — Every screen supports all 5 languages
Features
Everything you need to manage your money
Built for everyday Filipinos. Simple enough to use daily, powerful enough to give you real financial clarity.
Multiple Wallets
Track cash, GCash, Maya, bank accounts, and credit cards — all in one place with real-time balance updates.
Transaction Tracking
Log income and expenses with categories, notes, and dates. Search and filter in real-time. Edit or delete anytime.
Budget Management
Set monthly spending limits per category with visual progress bars and smart alerts when you're getting close.
Savings Goals
Create goals with target amounts and deadlines. Get notified at 25%, 50%, 75%, 90%, and 100% milestones.
Recurring Transactions
Automate salary, bills, and subscriptions with daily, weekly, monthly, or yearly rules. Pause or resume anytime.
⭐ Premium
Advanced Analytics
Spending breakdown by category, monthly trends, wallet analysis, and savings rate for up to 6 months.
⭐ Premium
CSV & PDF Export
Export your transactions as a spreadsheet or styled PDF report. Choose from current month, last 3, or last 6 months.
⭐ Premium
App Lock
Protect your data with a 4 or 6-digit PIN or biometric (fingerprint / Face ID). Locks after 5 minutes in background.
Offline Support
Full access to your data without internet. All changes queue locally and sync automatically when reconnected.
5 Languages
Full English, Filipino (Tagalog), Japanese, Spanish, and Korean support across all screens, modals, alerts, and push notifications.
Paluwagan
Track your group savings rotation. Set contribution amount, total members, your position, and get notified when it's your turn to receive.
⭐ Premium
Loan Tracker
Track money you lent and borrowed. Record partial payments, set due dates, and mark loans as settled with a progress bar.
⭐ Premium
Bill Reminders
Set monthly bill due dates and get overdue alerts. Mark as paid each month. Unpaid bills appear on your Dashboard automatically.
⭐ Premium
SSS / PhilHealth / Pag-IBIG
Instantly compute your mandatory government contributions based on your monthly salary. Shows employee and employer shares.
Net Worth
See your total assets, liabilities, and net worth at a glance. Broken down by wallet type with a clear visual summary.
SMS Auto-Detection
Automatically detects transactions from GCash, Maya, BPI, BDO, Metrobank, UnionBank, and Security Bank SMS alerts. No manual entry needed — just review and save.
⭐ Premium
Multi-Currency
Track your money in PHP, USD, EUR, GBP, SGD, AUD, or JPY. Each currency displays with the correct symbol and locale formatting.
Pricing
Simple, affordable plans
Start free. Upgrade when you need more power. No hidden fees, cancel anytime via Google Play.
Billed in PHP via Google Play · Fetching live rates...
Free
₱0
forever
✓ Up to 2 wallets
✓ Unlimited transactions
✓ Up to 3 budgets
✓ Up to 3 savings goals
✓ Basic analytics
✓ Offline support
✓ Up to 1 loan
✓ Up to 1 bill
✗ Recurring transactions
✗ CSV / PDF export
✗ Paluwagan (1 max)
✗ SMS auto-detection
Premium Most Popular
✓ Unlimited wallets
✓ Unlimited transactions
✓ Unlimited budgets
✓ Unlimited savings goals
✓ Advanced analytics
✓ Recurring transactions
✓ CSV & PDF export
✓ Unlimited loans & bills
✓ Unlimited paluwagan
✓ SMS auto-detection — all PH banks
✓ Priority support
How it works
Up and running in minutes
No spreadsheets. No complicated setup. Just open the app and start taking control of your finances.
Create your account
Sign up for free in under 30 seconds. No credit card needed. Your data stays on your device and syncs securely when you're online.
Add your wallets
Set up your cash wallet, GCash, Maya, bank accounts, and credit cards. Enter your current balance and you're ready to track everything in one place.
Track, budget & grow
Log income and expenses with a tap. Set monthly budgets per category, create savings goals, and watch your financial picture get clearer every day.
Reviews
Filipinos love IponBuddy
Real feedback from real users managing their money smarter every day.
★★★★★
Finally an expense tracker that actually fits how I spend. The GCash and Maya wallet tracking is a game changer — I used to lose track of everything across apps.
★★★★★
Ang ganda ng Filipino language support! Lahat ng labels ay malinaw sa Tagalog. Yung recurring transactions feature para sa sweldo ko — sobrang helpful.
★★★★★
The budget alerts saved me from overspending on food last month. I love that it works offline — my internet at home is unreliable but the app never misses a beat.
★★★★★
I've tried 6 different finance apps. IponBuddy is the only one I've stuck with past the first week. The savings goals feature keeps me motivated — I hit my laptop goal in 4 months.
★★★★★
The App Lock with biometrics is the feature I didn't know I needed. My partner used to see my spending 😅. Now I feel safe and in control of my own finances.
★★★★★
Premium is 100% worth it for the CSV export alone. I submit my monthly expense reports to my accounting team directly from IponBuddy. Clean, professional output.
Multilingual
Your language, your money
Every screen, label, notification, and alert is fully localized in 5 languages. Switch anytime in Settings — no restart needed.
🇺🇸 English
Track your money in English
Clear, familiar finance terms across every screen.
Total Balance₱48,320.00
Budget Alert78% used
Savings Goal67% reached
🇵🇭 Filipino
I-track ang pera mo
Pamilyar at madaling gamitin para sa lahat ng Pilipino.
Kabuuang Balanse₱48,320.00
Babala sa Budget78% nagastos
Layunin sa Ipon67% naabot
🇯🇵 日本語
日本語でお金を管理
全画面・通知・アラートを日本語で完全対応。
総残高₱48,320.00
予算アラート78% 使用済み
貯蓄目標67% 達成
🇪🇸 Español
Gestiona tu dinero en español
Todas las pantallas, alertas y notificaciones en español.
Saldo Total₱48,320.00
Alerta de Presupuesto78% usado
Meta de Ahorro67% alcanzado
🇰🇷 한국어
한국어로 돈을 관리하세요
모든 화면, 알림, 경고가 한국어로 완벽 지원됩니다.
총 잔액₱48,320.00
예산 알림78% 사용됨
저축 목표67% 달성
FAQ
Common questions
Is IponBuddy really free?
Yes — the free plan is genuinely useful with unlimited transactions, up to 2 wallets, 3 budgets, and 3 savings goals. You only need Premium if you want unlimited everything, recurring transactions, CSV/PDF export, and advanced analytics.
Does it work without internet?
Absolutely. IponBuddy stores all your data locally on your device. You can log transactions, check budgets, and review goals offline. Everything syncs automatically when your connection returns.
Is my financial data safe?
Your data lives on your device first. The App Lock feature (PIN or biometrics) prevents unauthorized access. We don't sell your data or share it with advertisers — ever.
Can I track GCash, Maya, and bank accounts?
Yes. IponBuddy supports multiple wallet types including cash, GCash, Maya (PayMaya), bank accounts, and credit cards. Premium users get unlimited wallets; free users get 2.
How do recurring transactions work?
Set a rule for your salary, rent, subscriptions, or any regular transaction. Choose daily, weekly, monthly, or yearly frequency. IponBuddy automatically creates the transaction on schedule. You can pause or delete rules anytime. This is a Premium feature.
Can I cancel Premium anytime?
Yes. Premium is billed through Google Play and can be cancelled anytime directly from the Play Store. You keep Premium access until the end of your billing period.
Available now on Android
Start managing your
money today
Join thousands of Filipinos already using IponBuddy to track expenses, crush budgets, and hit their savings goals — for free.
Private by designYour data stays on your device. No ads, no data selling.
Works offlineFull access to your finances with zero internet required.
Built for everyone5 languages, 7 currencies, fully offline.