Sweldo on the 15th and 30th
Most budgeting apps think in calendar months. Pondo plans around your paydays, so you know what's safe to spend before the next one.
Personal finance for Filipinos
Make every peso count.
Pondo AI brings your cash, GCash, bank accounts and cards into one place, and tells you how much you can safely spend each day until your next sweldo.
Free to start. Works in your phone's browser, nothing to install.
Safe to spend today
₱1,859.80You're on track until payday.
Next paydaySun, Nov 15 · 10 days
- MeralcoDue Fri−₱1,900.00
- Emergency fund25% saved₱15,000.00
- Padala kay NanayAl Rajhi → GCashSAR 1,000 → ₱15,180
Example figures
Why Pondo
Built around how money moves here
Money in many places
A little in your wallet, some in GCash, the rest in the bank, and a card on the side. See it all, and what you really have, in one view.
Utang and padala are normal
Lending to family, borrowing from a friend, sending money home. Pondo keeps track, so you don't have to remember.
Features
Everything you need to stay on top of your money
Safe to spend today
How much you can spend each day until payday, after your bills, utang and savings are covered.
All your accounts
Cash, bank, e-wallets and credit cards in one view. Balances update as you record what you spend.
Budgets that warn you
Monthly limits for the things you watch, with a heads-up at 80% and when you go over.
Bills, before they're due
Rent, Meralco, internet, salary. Add them once and see what's coming up in the next two weeks.
Utang, without the awkwardness
Who you owe and who owes you, with due dates, partial payments and reminders when it's overdue.
Savings goals
Set money aside for an emergency fund, a laptop or a trip, and see when you'll reach it at your pace.
Can I afford it?
Compare paying cash with installments before you buy, and see what it does to your budget and goals.
Insights in plain words
What went up, what went down, and where your money went this month compared with the last.
For OFWs and their families
Earn abroad, spend at home, see it all in one currency
- Accounts in pesos, riyal, Hong Kong dollars and more
- Record padala the way it happened: what you sent, and what arrived
- Daily exchange rates, so totals, budgets and goals add up
- Choose one currency to see everything in, and switch any time
Net balance today
₱76,063.20Includes SAR 3,910.00 at today's rate
1 SAR = ₱15.521 USD = ₱58.201 HKD = ₱7.46
Example figures
How it works
Set up in a few minutes
- 1
Create a free account
Just your name, email and a password.
- 2
Add your accounts and paydays
Cash, GCash, bank, cards, and the days you get paid.
- 3
Record as you go
Adding a purchase takes seconds. Pondo does the math and keeps your plan up to date.
Your money, your data
You stay in control
No bank logins
Pondo never asks for your bank, GCash or Maya password. You decide what to record.
Protected sign-in
Passwords are stored scrambled, never as plain text, and repeated wrong guesses are slowed down.
Take your data
Download your transactions as a spreadsheet, or everything as one file, any time.
Leave any time
Delete your account and everything in it from Settings. It's permanent.
Questions
Frequently asked
Is Pondo AI free?
Yes. You can create an account and use every feature for free.
Does it connect to my bank or GCash?
No. You add your accounts and record what you spend and receive yourself. Pondo never asks for your bank, GCash or Maya login.
Do I need to install an app?
No. Pondo works in the browser on your phone and your computer. Open the site and sign in.
Which currencies can I use?
Philippine peso, US dollar, Saudi riyal, Qatari riyal, Hong Kong dollar, Singapore dollar, Japanese yen, euro and British pound, with daily exchange rates. Pick one to see everything in.
What if I forget my password?
Use "Forgot password?" on the sign-in page and we'll email you a link to choose a new one.
Can I take my data with me or delete it?
Yes. In Settings you can download your transactions as a spreadsheet, or everything as one file, and delete your account and all its data at any time.
Start making every peso count.
It's free, and it takes a few minutes to set up.
Create your free account