Know where every peso went—without logging everything by hand.
LAYA is a Filipino expense and budget tracker for the way money actually moves: cash, GCash, Maya, bank accounts, cards, bills, savings goals, padala, utang, and more.
BRING TRANSACTIONS IN FASTER
Share bank alert or SMS text, copied receipt text, or a screenshot into LAYA. You can also use voice, widgets, Apple Watch, or quick add for cash spending and anything that does not send an alert.
LAYA does not silently read your notification or message history. You choose what to share.
CHECK BEFORE YOUR BALANCE CHANGES
If LAYA is not sure which account or category a transaction belongs to, it waits in Review Inbox. You confirm the details before it changes your balance or reports.
When the same alert or import comes in again, LAYA updates the existing entry instead of adding a second one.
SEE ALL YOUR MONEY TOGETHER
Keep cash, e-wallets, banks, cards, savings, loans, investments, and other accounts in one clear view. Search your transaction history, record transfers, and follow recurring activity without rebuilding a spreadsheet.
PLAN PAYDAY, BILLS, AND GOALS
Create category budgets, schedule recurring bills, and set savings goals with amounts and deadlines. See what is left after planned spending and adjust before the month gets away from you.
The Subscription Calendar puts every due date in one place: subscriptions, bills, loans, card statements, and money you owe, with what is left to pay this month. Recurring bills can record themselves on their due date, or you can turn that off for any bill.
SET UP WITH JULS, SAVE WITH FRIENDS
Juls walks you through setup one question at a time. Invite friends with a link or QR code to see each other's level, badges and streak, and save toward shared goals together. Friends see your progress, never your balances, accounts or transactions. Report or block anyone, any time.
TRACK MONEY OWED AND FAMILY OBLIGATIONS
Keep personal loans, utang, installment payments, family support, and padala visible alongside the rest of your finances.
UNDERSTAND WHAT CHANGED
Use spending trends, category breakdowns, recurring-charge visibility, and financial summaries to make a useful weekly review. On devices with Apple Intelligence, Juls, LAYA's assistant, answers questions about your own spending and bills on your device and can read a screenshot of your subscriptions or a card statement into bills for you to review (reading screenshots needs iOS 27). Without Apple Intelligence, Juls Lite answers from your numbers. With Pro, you can turn on LAYA AI, which runs on Claude by Anthropic, for longer answers, records you confirm before they save, and charts and reports, on any iPhone. You see exactly what is sent before you turn it on.
CONNECTED IMPORTS WHEN YOU WANT THEM
Connect Wise with a personal API token, or PayPal with your own developer credentials, to import transactions in their original currency. Manual and share-based tracking remain available without connecting a financial account.
PRIVATE BY DEFAULT
Your LAYA data syncs through your private iCloud account across supported Apple devices. Raw receipt and alert content stays on your device unless you explicitly connect an external provider.
LAYA works across iPhone, iPad, Mac, and Apple Watch.
FOUNDING MEMBERS
Download LAYA before November 1, 2026 and Pro is free for life: no subscription, nothing to cancel, and the most LAYA AI use of any plan. Download from November 1 to December 25, 2026 and Pro, including LAYA AI, is free for 12 months. People who already use LAYA count from the day they first downloaded it.
Free to download. The free plan includes 10 accounts, 5 budgets and 5 goals. Optional Pro is available through in-app purchase.
Privacy Policy: https://www.laya.finance/privacy
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
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