IponWise
Expense tracker for OFWs

Know where your money goes.

Add an expense in three taps. See what's safe to spend today. Save for what matters. All on your phone.

Want to know when it's out? Get notified by email.

  • No account
  • No ads
  • Works offline
  • Free
Fast to use

Three taps. Done.

No forms, no typing long notes. The keypad even does math.

  1. Tap a category

    Food, Transport, Bills… or your own.

  2. Type the amount

    Split a bill right there: 450 ÷ 3

  3. Save

    Buy the same thing often? Next time it's one tap from Home.

One number a day

See what's safe to spend today.

Set a monthly budget once. IponWise splits what's left over the days to go, so you always know how much you can use today. Sending money home? You see it in pesos too.

What's inside

Everything you need. Nothing extra.

Quick add

Your usual taho, jeep fare or load shows up on Home. One tap saves it again.

Budgets

One monthly budget, plus one per category if you like. A heads-up at 80%.

Savings goals

A house, school fees, a trip home. See how close you are and if you're on track.

Stats

Spending by category, per day, and the last 6 months against your budget.

Subscriptions

Finds repeating payments like Netflix or iCloud and reminds you 2 days before they renew.

Home screen widget

Today's safe-to-spend amount and a quick Add button, right on your home screen. Android.

Also: your own categories, receipt photos, search, CSV export, backups and dark mode.

A look inside

Simple screens. Big numbers.

Today screen: safe to spend today in dirhams with the amount in pesos under it, category buttons and the padala card
TodaySafe to spend, in AED and ₱
New expense screen with the Food category picked, Today, Name and More buttons, and a keypad with math keys
New expenseCategory, amount, save
Padala screen: sent home this month, today's rate 1 AED = ₱17.34 and a Log a padala button
PadalaMoney sent home
Me screen with Goals and budgets, Subscriptions, All expenses, Categories, and currency settings
MeGoals, budgets, settings
Optional · for OFWs

Send money home? Track it too.

Turn on "Send money home" and IponWise shows your spending in both currencies. Log each padala, see the rate you really got, and follow your monthly target.

Padala is not counted as spending, so your budget stays honest. Don't send money home? Leave it off and you won't see it.

Private by design

Your money is nobody else's business.

IponWise has no servers to send your data to. Everything you enter stays in the app on your phone.

  • No account, no sign-upOpen the app and start. No email, no password.
  • Stays on your phoneOptional app lock with Face ID or fingerprint.
  • No ads, no trackingNo analytics and no selling of data.
  • Your data, your exportsCSV export and full backups whenever you want.
Questions

Good to know

Is IponWise free?

Yes. Everything in the app is free, with no ads and no subscription.

Do I need an account?

No. There's nothing to sign up for. Your data lives in the app on your phone.

Does it need the internet?

No. The only time it goes online is to get today's exchange rate, and only if you turn on "Send money home". That request has no personal data in it.

Which currencies can I use?

PHP, AED, SAR, QAR, KWD, HKD, SGD, TWD, JPY, USD, EUR, GBP, CAD, AUD, INR and MXN. The app picks your phone's currency first, and you can change it any time.

Does it connect to my bank?

No. You add expenses yourself, which takes a few taps. Nothing is linked to your bank or cards.

What happens if I change phones?

Go to Me → Your data → Back up, move the file to your new phone, then use Restore there.

What does "IponWise" mean?

"Ipon" (ee-pon) is the Filipino word for saving. IponWise means being wise with your money: know where it goes, so more of it stays with you.

Your money, clear and simple.

IponWise is coming soon to Android and iPhone.

Coming soon toGoogle Play Coming soon to theApp Store