Iponance: Budget & Expenses

Iponance is a personal finance tracker that keeps your money private. Log what you spend in seconds, see where it goes, and get reminded before bills and card payments are due. No account to create, no ads, no subscriptions. Everything stays on your device.

LOG IT YOUR WAY
• Type it: "lunch 150", "salary 25,000", "moved 500 from GCash to BPI"
• Say it: tap the microphone, or ask Siri
• Scan it: take a photo of a receipt and Iponance fills in the amount, store and date for you to check
• Tap it: Quick Add widgets and Apple Watch for the things you buy often
• Snap it: Import from Screenshot reads every transaction in a screenshot of your bank or e-wallet app and flags the ones already logged
• Import it: bring in a bank statement (CSV or PDF) and review before saving

YOUR ACCOUNTS, ALL IN ONE PLACE
• Cash, bank accounts, e-wallets, credit cards and loans
• Net worth: what you own and what you owe, in any currency
• Credit card limits, statement and due dates, with reminders before payment is due

PLAN AHEAD
• Budgets that warn you before you overspend
• Savings goals kept in real accounts, with a gentle warning before you spend goal money
• Bills and recurring payments that ask "Did you pay?" instead of guessing
• Insurance of any kind (health/HMO, car, house, life, business) with renewal reminders
• Subscriptions, with a nudge when a price changes
• Safe to spend: what you can use each day until your next income
• Loans with a calculator for the monthly payment, a debt payoff plan and installment tracking
• Warranty receipts kept until the warranty ends, with a reminder before it does

FOR FAMILIES
• Tag spending by family member and see each person's share
• Savings held for someone else, such as your child's savings, tracked separately and never counted in your own totals
• Split a bill and tick people off as they pay you back
• Friendly reminder cards for money owed to you, ready to send in any chat app

FOR YOUR BUSINESS
• Run a store, bakery or freelance wor…