✦ Live Kinder. Spend Smarter.

Money, made kinder.
Smarter every payday.

BudgetPH is the calm, Filipino-first way to stay on top of your money — Paluwagan, bills, SSS/Pag-IBIG/PhilHealth, Loan/Utang, and AI insights that work for you, never against you. A product of Kindlyf.

Start for Free →Connect AI Agent

Installable on Android & iOS · Works offline · Free forever

budget.kindlyf.com/dashboard
OVERVIEW
Dashboard
MONEY OUT
Essentials
Bills
Credit Cards
Non-Essentials
Shared
Installments
TRACK & MANAGE
Paluwagan 🧧
Loans / Utang
Gov Benefits
🔥 12-day streakLevel 3 · Masinop342 XP
📥 Import CSVExport PDF
TOTAL INCOME
₱97,633
TOTAL EXPENSES
₱57,936
SAVINGS
₱29,290
EXTRA FUNDS
₱4,936
Budget Credit Score
720/ 850
Very Good ✓
Bills: 100% · Cards: 55%
Savings: 30% · Streak: 12d
✨ My Insights AI
🛍Shopping up ₱3,200 vs last month — biggest jump in 3 months.
💚You saved 30% of income. Above the 20% target! 🎉
💳4 credit cards still unpaid totalling ₱19,794.
✦ NEW IN v2.1

BudgetPH just got smarter

Two major upgrades — connect your AI agent directly to your budget, and pay for Pro using GCash or card.

🤖
MCP INTEGRATION

Ask Claude about
your budget

Connect your AI agent (Claude, GPT, Gemini) directly to BudgetPH via the Model Context Protocol. Ask natural questions like “How much did I spend on food this month?” or “Do I have unpaid bills?”

✓11 read & write tools across all budget categories
✓Secure API key auth — bcrypt-hashed, never stored in plaintext
✓Per-plan rate limits (60/hr free, 600/hr Pro)
✓Pro: write tools — mark bills paid, add expenses via AI
Claude Desktop config
"budgetph": {
"url": "budget.kindlyf.com/api/mcp",
"headers": { "Authorization": "Bearer bph_..." }
}
Setup guide →
💳
PAYMONGO SUBSCRIPTIONS

Pay with GCash,
Maya, or Card

Upgrade to Pro or Household using Philippine payment methods you already use — GCash, Maya, Visa, and Mastercard — powered by PayMongo, a BSP-regulated processor.

✓GCash · Maya · Visa · Mastercard accepted
✓Annual billing: Pro ₱799/yr, Household ₱1,199/yr
✓Auto-renewal with webhook-driven plan management
✓3-day grace period on expiry — no sudden downgrades
GCashMayaVisaMastercard
Secure payment powered by PayMongo · BSP-regulated
🧧
Paluwagan Tracker
🤖
MCP AI Agent
🔥
Streak & Gamification
📊
Budget Credit Score
💳
GCash/Maya Payments
📥
GCash/Maya Import
📱
Installable PWA

Everything a Filipino earner needs,
in one dashboard

v2.1 builds on 12 sprints of v2.0 features — from AI insights to Paluwagan — with a clean, fast interface built natively for Filipino money habits.

📊
Dashboard Command Centre
KPI summary, pie chart, budget health bars, year view — all your numbers at a glance. Switch between Monthly and Year View anytime.
🤖
MCP AI Agent (v2.1 NEW)
Connect Claude or any MCP-compatible AI directly to your budget. Ask natural questions and get answers drawn from your real financial data.
💳
PayMongo Subscriptions (v2.1)
Upgrade to Pro or Household using GCash, Maya, Visa, or Mastercard — Philippine payment methods processed by BSP-regulated PayMongo.
✨
AI Spending Insights
OpenRouter free LLM analyses your monthly data and delivers 3 specific insights every month. Zero PII sent — only totals and percentages.
🔥
Streak & Gamification
Build a daily habit with streaks. Earn XP for paying bills, saving 20%, and finishing months in the green. Unlock 13 achievement badges.
📊
Budget Credit Score (0–850)
A single number that reflects your financial discipline — bills paid, savings rate, streak, budget adherence. Entirely internal, no credit bureau.
📥
GCash / Maya CSV Import
Upload your transaction history CSV. BudgetPH auto-detects GCash or Maya format, assigns categories by keyword, and previews before saving.
📱
Installable PWA
Add BudgetPH to your phone's home screen like a native app. Works offline with cached data. No App Store, no Play Store.
🧾
Bills & Credit Cards
Add each bill with a due date and mark paid when settled. Push notifications the day before and day of due dates.
📦
Installment Tracker
Define a purchase once — BudgetPH injects the monthly amortization automatically. Links to credit cards to avoid double-entry.
🏠
Household / Couples Mode
Link two accounts for a combined budget view. See each other's income contribution and combined extra funds. Pro feature.
🧮
Split Groups (NEW)
Kittysplit-style group expense splitting for trips, condos, and barkada. Track who paid, and BudgetPH computes who owes whom with the fewest payments to settle up. Friends don't need an account.
🏦
Accounts & Money Map
Link your cash, bank, and e-wallet accounts for running balances, net worth, cash position, and a flow-by-channel view of where your money actually moves.
🤖 MCP AI AGENT ACCESS

Your AI agent can now
read your budget

BudgetPH implements the Model Context Protocol (MCP)— the open standard from Anthropic that connects AI agents to external data sources. Generate an API key from Account Settings and paste it into Claude Desktop. That's it.

"How much did I spend on food last month?"
→ get_spending_breakdown
"Do I have any unpaid bills this month?"
→ get_bills
"What is my current budget score?"
→ get_budget_score
"Mark my Meralco bill as paid." (Pro)
→ mark_bill_paid
View Setup Guide →
Claude Desktop — BudgetPH MCP
YouHow much did I spend on food last month?
Claude
Calling get_spending_breakdown…

You spent ₱4,200 on Food in May 2026 across 12 transactions. Your top expenses were:

• Jollibee / McDo — ₱1,850
• Grab Food — ₱1,240
• Landers Superstore — ₱1,110

That's ₱936 more than April. Want me to add a ₱3,500 food budget target?
YouMark my Meralco bill as paid.
Claude✓ Meralco (₱2,450) marked as paid.
🇵🇭 BUILT FOR FILIPINOS, BY A FILIPINO

Features zero competitors offer

These aren't translations of Western finance apps. They're features designed around how Filipinos actually manage money.

🧧
Paluwagan Tracker
Create and manage rotating savings groups. Auto-generate all rounds, track per-member payments, and get a banner when it's your slot to receive the pot.
🏛️
SSS / Pag-IBIG / PhilHealth
Record monthly government benefit contributions with employee and employer amounts. Annual totals calculated for tax reference. Paid toggle for self-employed.
🤝
Loan / Utang Tracker
Track informal family and friend loans in both directions — I Owe and Owed to Me. Record repayments, watch the balance decrease, auto-settle when done.
💼
Multiple Income Streams
Tag each income entry as Salary, OFW Remittance, Freelance, Business, Rental, or Dividends. See your income broken down by source on the dashboard.
📅
Flexible Filipino Payroll
Built around the Filipino payday cycle — 15th & 30th bimonthly, or switch to monthly, bi-weekly, or weekly. Enter expected amounts before payday and actual after; variance is auto-calculated.
📨
Monthly Email Digest
Get an automatic summary email on the 1st of each month — income, expenses, savings rate, Budget Score, and top spending categories. Unsubscribe anytime.
🧧 PALUWAGAN TRACKER

The first app to
digitize Paluwagan

Stop managing your rotating savings group in a group chat or notebook. Create your Paluwagan, auto-generate all rounds, track each member's payments, and know exactly when your slot is coming up.

✓ Auto-generate all rounds from start date
✓ Track your payment per round — mark Paid with one tap
✓ Highlight your slot round: "🏆 You receive ₱20,000"
✓ Manage multiple groups simultaneously (Pro)
✓ Free tier: 1 active group
Office Paluwagan
10 members · ₱2,000/round · Monthly
Total Pot
₱20,000
🏆Your slot: Round 5 (Oct 2026) — you receive ₱20,000!
#1Jun 2026MariaPaid ✓
#2Jul 2026JosePaid ✓
#3Aug 2026AnaPending
#4Sep 2026PedroPending
ACHIEVEMENTS
🏁
First Budget
💚
In the Green
🏦
Saver
🔥
7-Day Streak
🏆
30-Day Streak
💳
Card Cleared
🧧
Paluwagan Pro
🌟
First Year
3
Masinop (Careful)
342 / 600 XP to Mahusay
🔥 GAMIFICATION SYSTEM

Budgeting that
feels like a game

Build daily habits with a streak system, earn XP for good financial behaviour, level up from Baguhan to Pantas ng Pera, and unlock badges for real milestones.

🔥 Streak counter — log activity every day to keep it alive
⚡ XP for paying bills, saving 20%+, completing months in the green
🏆 13 achievement badges with Filipino-flavored level names
📊 Budget Credit Score (0–850) — your personal financial health number
🤖 AI SPENDING INSIGHTS

Your personal finance coach,
powered by AI

Every month, AI analyses your budget data and delivers 3 specific, actionable insights. Uses OpenRouter free models — zero cost to you. Zero PII sent — only aggregated numbers.

🛍
Shopping Spike
Your Shopping spending is ₱3,200 higher than April — the biggest jump in 3 months.
💚
Savings Win!
You saved 30% of income this month. That's above the 20% target. 🎉
💳
Unpaid Cards
4 credit cards still unpaid totalling ₱19,794. Head to Cards to settle.
📥 GCASH / MAYA CSV IMPORT

Stop typing transactions
manually

Download your GCash or Maya transaction history CSV and upload it. BudgetPH auto-detects the format, assigns categories by keyword, and previews before saving.

IMPORT PREVIEW
GCash Pay - JollibeeFood₱250
Shopee - Online PurchaseShopping₱1,499
Grab - BookingTransport₱180
Netflix PremiumDuplicate?₱279
Confirm Import (3 transactions)

Set up in under 5 minutes

No onboarding call. No tutorial videos. Just fill in your numbers.

1
Create your account
Register in seconds — just email and password. Add BudgetPH to your home screen for instant access.
2
Add your income
Enter your 15th and 30th payday amounts. Expected before, actual after. Tag by source (Salary, Freelance, OFW).
3
Fill in your expenses
Add bills, cards, installments, and non-essentials. Import GCash or Maya CSV to skip the manual typing.
4
Track, earn, and level up
Mark items paid as you go. Build your streak, earn XP, watch your Budget Credit Score climb month by month.

Simple, transparent pricing

Everything you need is free. Upgrade when you want more — pay with GCash or card.

Paid plans are launching soon — every feature below is free to use today.
Free
₱0
forever
✓All budget sections
✓Dashboard + Year View
✓Notifications & alerts
✓Streaks, XP & Badges
✓Budget Credit Score
✓1 Paluwagan group
✓2 active loans
✓Gov Benefits section
✓CSV import (1×/month)
✓Monthly email digest
✓MCP AI agent access (60 calls/hr)
Get Started Free
MOST POPULAR
Pro
₱799/yr
≈ ₱67/month · Pay via GCash or card
Everything in Free, plus:
✓MCP write tools — mark bills paid via AINEW
✓600 MCP tool calls/hour
✓Unlimited Paluwagan groups
✓Unlimited loans
✓Unlimited CSV imports
✓PDF monthly export
✓Excel export (all sections)
✓AI Spending Insights
✓Household / Couples Mode
✓Priority support
Upgrade to Pro →
Household
₱1,199/yr
≈ ₱100/month · For couples
Everything in Pro, plus:
✓Couples / Household Mode
✓Shared expense tracking
✓Combined dashboard view
✓Up to 2 members per household
✓Each partner sees own + combined budget
✓600 MCP calls/hr per member
Upgrade to Household →

Payment powered by PayMongo (BSP-regulated) · GCash · Maya · Visa · Mastercard · Cancel anytime

Frequently asked questions

Is BudgetPH free?
Yes. The Free plan includes all core budgeting features, Paluwagan tracking (1 group), 2 active loans, and monthly CSV import — forever free, no credit card required.
Does BudgetPH work offline?
Yes. BudgetPH is a Progressive Web App (PWA). Install it on your phone's home screen and it works offline with cached data.
How does Paluwagan tracking work?
Create your Paluwagan group, add members, set the pot amount and schedule. BudgetPH auto-generates all rounds, lets you mark payments as Paid, and highlights when your slot is coming up.
Can I import my GCash or Maya transactions?
Yes. Download your transaction history CSV from GCash or Maya and upload it to BudgetPH. It auto-detects the format, assigns categories by keyword, and shows a preview before saving.
Is my financial data safe?
Your data is stored securely. The AI Spending Insights feature only sends aggregated totals and percentages — no personally identifiable information is ever transmitted.
Can I split expenses with friends?
Yes. Split Groups lets you log who paid for what in a group, then computes who owes whom with the fewest payments to settle up. Friends can join via a share link without creating an account.
Is BudgetPH really built for OFWs and freelancers?
Yes. BudgetPH handles OFW remittances, irregular freelance income, multiple income sources, voluntary SSS/PhilHealth/Pag-IBIG contributions, and flexible pay frequencies — the realities other budgeting apps ignore.

Learn & explore

Dig into the features, follow a step-by-step guide, or read money tips for your situation.

Features →
Guides →
Blog →
₱

Ready to take control?

The only finance platform built natively for how Filipinos earn, spend, and save — now with MCP AI agent access, GCash/Maya payments, and a Budget Credit Score. No competitors come close.

Create Your Free Account →Connect AI Agent

No credit card · Installable on your phone · Your data stays yours