Utang Free PH
Debt payoff plan on your phone
Free · Designed for iPad. Not verified for macOS.
When will you finally be utang-free? Find out in 5 minutes with a clear plan you can actually follow. Free, private, made for you - made to help.
Utang everywhere? Hindi mo na kailangan manghula kung paano ka makakaahon.
Utang Free PH helps Filipinos organize their debts, build a realistic payoff plan, and finally see the finish line.
In just 5 minutes, you’ll know:
* The exact month and year you’ll become debt-free
* Which debts to pay first to save the most interest
* Your real monthly budget after tax, SSS, PhilHealth, and Pag-IBIG
* A step-by-step payoff plan you can actually follow
Built specifically for the Philippines — not generic US budgeting apps.
Supports real Filipino lenders like:
BDO, BPI, Metrobank, RCBC, GCash GCredit, Maya Credit, BillEase, Cashalo, ShopeePay Later, Home Credit, Pag-IBIG MPL, SSS Salary Loan, and many more.
## WHY FILIPINOS LOVE IT
Most people juggle multiple debts but never see the full picture. One app says “minimum due,” another says “payment overdue,” and somehow your salary disappears before month-end.
Utang Free PH changes that.
You’ll finally see:
* How much you actually owe
* How long it will take to finish
* How much interest is eating your money
* And the smartest path out
No spreadsheets. No complicated finance terms. No judgment.
Just a clear plan.
PRIVATE BY DESIGN
Your financial data is yours — period.
* No account required
* No cloud sync
* No tracking
* No ads
* No analytics
* Everything stays encrypted on your device
We cannot see your debts, salary, or progress even if we wanted to.
FEATURES
Smart Income Calculator
Automatically computes your real take-home pay using TRAIN Law tax brackets, SSS, PhilHealth, and Pag-IBIG contributions.
64+ Philippine Lenders Built In
Preloaded with PH banks, digital lenders, salary loans, and government loans — complete with adjustable interest rates.
Debt Payoff Simulator
Compare Avalanche vs Snowball strategies side-by-side and choose what works best for your life.
Personalized Debt Strategy
Get a practical Taglish action plan based on your actual income and debts.
Monthly Debt Schedule
Know exactly what to pay each month and track your progress over time.
Payment Tracking + Due Date Reminders
Stay consistent and avoid missed payments.
Export to PDF or CSV
Keep a copy, share with your spouse, or bring it to a financial advisor.
100% FREE
No subscriptions.
No premium unlocks.
No “free trial.”
No hidden paywall.
Because getting out of debt shouldn’t cost more money.
Made to help.
Made for Filipinos.
Mahabang laban, pero kaya. One payment at a time.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Polish update with fixes from real-world testing:
- Fixed payment dates saving with the wrong year
- Added option to type payment dates directly
- Confirmations when logging a large or future-dated payment
- CSV export now includes payment history + remaining balance
- Cleaner navigation between Dashboard and debt details
- Various small UI improvements
Maraming salamat sa inyong patience! Kaya mo 'yan.
The developer, Ladylyn Salvanera, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Ladylyn Salvanera
- Size
- 38 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPad
Requires iPadOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Salvanera Apps