Utang Free PH
No in-app products collected for this app.
| Rating | |||
|---|---|---|---|
| Philippines | 100%2 | 5.00 | |
| United Arab Emirates | <1%0 | — | |
| Afghanistan | <1%0 | — | |
| Antigua And Barbuda | <1%0 | — | |
| Anguilla | <1%0 | — | |
| Albania | <1%0 | — | |
| Armenia | <1%0 | — | |
| Angola | <1%0 | — | |
| Argentina | <1%0 | — | |
| Australia | <1%0 | — |
Description
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.