Smart budgeting, custom-made for the Philippines
No generic templates or rigid restrictions. Built ground-up for the realistic costs of living in local metropolises and provinces.
4 Custom Archetypes
Whether you live in high-rent Manila (Essentials-Heavy) or are hyper-focused on saving (Wealth Accumulator), get splits optimized for your specific lifestyle.
Location-Aware Estimates
Preloaded average indicators for NCR, Cebu/Davao, provinces, or OFW remittances. Compare against local standards to make sure your fixed expenses fit.
100% Privacy-First
No database accounts, sign-ups, or cloud syncs. All financial numbers and parameters reside 100% locally on your browser using LocalStorage. We cannot track you.
Installable PWA
Install as a lightweight app on iOS, Android, or PC. Access your budget offline immediately, anywhere, with instantaneous loading speed.
Simulate your budget instantly
Adjust the settings below to see how our zero-based allocation algorithm divides your salary in real-time according to different life profiles.
Your choices map out a solid plan! Every peso has a cascading home. Click "Start my budget" to build your custom setup.
Calculated Monthly Splits
Smart Allocated BucketsCascade Breakdown
Discover your money personality
We divide earners into 4 profiles to craft realistic targets that reflect individual priorities and constraints.
Balanced Builder
"Steady wins the race"
You value stability and steady progress. You keep your spending in check while building toward milestones — an emergency fund, a home down-payment, or a comfortable retirement. Your budget balances present comfort with future security.
Essentials-Heavy
"High cost of living, high ambition"
You live in an expensive area or carry significant fixed obligations — rent, student loans, or family support. Most of your paycheck is spoken for before you even think about extras. Your plan maximizes every free dollar after covering the essentials.
Wealth Accumulator
"Invest aggressively, spend intentionally"
You are laser-focused on building wealth — whether that means maxing out retirement accounts, crushing debt, or growing a brokerage portfolio. You're comfortable living lean now because every dollar saved compounds into freedom later.
Experience Seeker
"Life is for living — wisely"
You prioritize experiences over things — travel, dining, concerts, hobbies. You believe money should fund a rich life *now*, not just in retirement. Your budget carves out generous room for adventure while keeping essentials covered.