Iponance: Budget & Expenses

Iponance is a personal finance tracker that keeps your money private. Log what you spend in seconds, see where it goes, and get reminded before bills and card payments are due. No account to create, no ads, no subscriptions. Everything stays on your device.

LOG IT YOUR WAY • Type it: "lunch 150", "salary 25,000", "moved 500 from GCash to BPI" • Say it: tap the microphone, or ask Siri • Scan it: take a photo of a receipt and Iponance fills in the amount, store and date for you to check • Tap it: Quick Add widgets and Apple Watch for the things you buy often • Snap it: Import from Screenshot reads every transaction in a screenshot of your bank or e-wallet app and flags the ones already logged • Import it: bring in a bank statement (CSV or PDF) and review before saving

YOUR ACCOUNTS, ALL IN ONE PLACE • Cash, bank accounts, e-wallets, credit cards and loans • Net worth: what you own and what you owe, in any currency • Credit card limits, statement and due dates, with reminders before payment is due

PLAN AHEAD • Budgets that warn you before you overspend • Savings goals kept in real accounts, with a gentle warning before you spend goal money • Bills and recurring payments that ask "Did you pay?" instead of guessing • Insurance of any kind (health/HMO, car, house, life, business) with renewal reminders • Subscriptions, with a nudge when a price changes • Safe to spend: what you can use each day until your next income • Loans with a calculator for the monthly payment, a debt payoff plan and installment tracking • Warranty receipts kept until the warranty ends, with a reminder before it does

FOR FAMILIES • Tag spending by family member and see each person's share • Savings held for someone else, such as your child's savings, tracked separately and never counted in your own totals • Split a bill and tick people off as they pay you back • Friendly reminder cards for money owed to you, ready to send in any chat app

FOR YOUR BUSINESS • Run a store, bakery or freelance work on the side? Give it its own accounts, record sales, operating costs and equipment, and see profit, margin and runway, kept apart from your personal money

A FRIENDLY ASSISTANT, ON YOUR DEVICE • Ask "How am I doing this month?" or "Can I afford a new phone?" • Ask for a receipt: "I need the receipt for my iPhone" shows it with its warranty • Understands English, Tagalog and Taglish; replies in English • Fix entries in plain words: "change that to 250" • A companion whose face shows how your month is going • Insights with a score, what stands out, and ways to save • On devices with Apple Intelligence, optional on-device AI for messier receipts and messages

PRIVATE BY DESIGN • No sign-up, no ads, no analytics, no tracking • Face ID or Touch ID lock, and Hide Balances for when someone is looking • Sync across your iPhone and iPad through your own iCloud, locked with a sync password only you know • Optional sync with the Android version through your own Google Drive, encrypted the same way • Backup to a file, with optional password protection, and restore on iPhone or Android • Chat history is kept for 30 days, then deleted automatically

EVERYWHERE YOU ARE • Home Screen and Lock Screen widgets • Apple Watch app: safe to spend, your companion, and quick logging • Siri and Shortcuts: say "Tell Ipo", then "lunch 250 from GCash"

FREE TO TRY Use everything free for 14 days. Then unlock Iponance for ₱199, once: no subscriptions. One purchase covers your iPhone and iPad, and Family Sharing. Your data is never held back: after the trial you can still view, back up, export and erase everything.

Iponance is a record-keeping tool. It never connects to your bank or moves money, and it is not financial advice. Bank and wallet names are used only so you can recognise your own accounts; they belong to their owners, who do not sponsor or endorse this app.

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