See your real take-home pay, the bills already promised, and what's actually free to spend — so your pay lasts the month. Free, private, no download.
Type your monthly gross. See what's left after SSS, PhilHealth, Pag-IBIG and tax.
Three simple screens that follow your pay cycle — not a spreadsheet.
Type your gross and see your true take-home — SSS, PhilHealth, Pag-IBIG and tax. Set it as your income in one tap.
List the bills that repeat — rent, utilities, subscriptions, loans. IponPal turns them into one monthly number.
Income minus committed minus savings = what's actually yours this month. Log as you go, in 10 seconds.
13th month, SSS/PhilHealth/Pag-IBIG, semi-monthly pay — handled properly, not bolted onto a generic budget app.
No ads. We never sell your data, never hold your money, and there's no lending. Works offline. Export or delete anytime.
One clear number — what's free to spend — instead of charts you have to decode. Made for people starting out.
We never lend. We never touch your money. We never sell your data. No paluwagan. You hold the keys — export or delete anytime.
Usually four things: SSS, PhilHealth and Pag-IBIG contributions (set by your salary bracket), plus withholding tax on what's left. IponPal's take-home calculator shows each one.
Yes — 100% free while we're in early access, and the take-home calculator needs no sign-up at all. If there's ever a premium tier, a free version stays.
No. Logging is manual — about 10 seconds. No bank login, no passwords requested.
Yes. IponPal is a Progressive Web App — once opened it runs without a connection, and your data stays on your device unless you turn on backup.
Yes. Private, never sold, and you can export or delete everything anytime. No lending, and we never hold your money.
Plain-English answers to the questions behind your payslip — no sign-up, no download.