# LAYA Finance — Smart Filipino Finance Tracker > Smart Filipino Finance Tracker (iPhone/iPad app by Julius Alba.) - Source: https://appshunter.io/ios/app/laya-finance/id6759568901 (this page in markdown: same URL + `.md`) - Developer: [Julius Alba](https://appshunter.io/developer/1867652019) - Category: Finance - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 17.0 · 39 MB - Released: 2026-04-28 - Data updated: 2026-07-22 - User reviews in markdown: https://appshunter.io/ios/app/laya-finance/id6759568901/reviews.md ## What is LAYA Finance? LAYA is the AI-powered financial partner built for Filipinos who are ready to take control of their money. Track your income, expenses, debts, and net worth — all in one place. Chat with Juls, your personal AI financial advisor, who understands Philippine peso budgets, family remittances, and Filipino spending habits. KEY FEATURES: • Smart Dashboard — See your net worth, monthly cash flow, spending by category, and credit health at a glance. • AI Financial Advisor — Chat with Juls for personalized insights, spending reviews, and accountability. Supports 6 personality modes from professional to motivational. • Receipt Scanning — Snap a photo of any receipt and let AI auto-log the transaction for you. • Budget Tracking — Set monthly budgets by category and get alerts when you're approaching your limits. • Goal Setting — Save toward your goals with progress tracking and milestone celebrations. • Bill Reminders — Never miss a payment with smart notifications for upcoming bills and recurring expenses. • Family Support — Track remittances and family financial obligations. • Lending Tracker — Keep records of money lent and borrowed. • Secure by Design — Face ID lock, Sign in with Apple, auto-logout, and end-to-end CloudKit sync. • Export Reports — Download your financial data as CSV or professionally formatted PDF reports. • Voice Input — Talk to your financial advisor hands-free with speech recognition. • Spending Forecasts — AI-powered projections of your monthly spending trends. LAYA syncs securely across your devices using iCloud. Your financial data stays private — we never sell or share it with third parties. Designed by Filipinos, for Filipinos. Know exactly where every peso goes. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.laya.finance/privacy ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | LAYA Pro Monthly | $4.99 | per month | | LAYA Pro Yearly | $49.99 | per year | ## Version history (last 5 releases) ### 2.0.16 — 2026-07-19 Goals got a glow up with better planning tools. • Goals redesigned with full width photo cards. Add a photo of what you're saving for, write notes, and tag where the money lives, whether it's a bank account, GCash, or your piggy bank. • Inspiration gallery. Save multiple photos for each goal and choose any of them as the cover. • Trip checklists. Keep track of packing, bookings, and to dos with a simple tap to check list. • Backfill trip expenses. Log expenses from trips you've already taken. They'll count toward your trip budget and reports without affecting your reconciled balances. • Bug fixes and performance improvements throughout. ### 2.0.15 — 2026-05-20 This update focuses on accuracy, sync safety, and clearer money tracking. - Improved iCloud sync visibility so you can tell when data is syncing, local-only, or needs attention. - Added safer backup and reset options, including full backup export and device-only reset guidance. - Fixed misleading expense totals by separating real spending from plain account/card payments. - Improved currency conversion across dashboard, reports, income, subscriptions, groups, lending, exports, and advisor context. - Payments linked to subscriptions now mark the correct month as paid. - Family support now appears more consistently across transactions, recurring support, obligations, and remittances. - Improved demo/sample data coverage for accounts, transactions, bills, groups, lending, family support, vehicles, education, and more. - Polished several screens and fixed smaller display issues around account balances and transaction amounts. ### 2.0.14 — 2026-05-20 This update focuses on accuracy, clarity, and better real-life tracking. • Fixed multi-currency calculations across dashboard, income, budgets, analytics, trips, exports, weekly reviews, and AI insights • Family Support now brings together remittances, manual family-support transactions, recurring support, and related obligations • Subscription payments can now be logged from Quick Add and marked paid for the current month • Improved payment logging UI with clearer recurring and obligation selection • Balanced dashboard income and expense cards for a cleaner layout • Improved CSV/PDF exports with home-currency totals • Better budget alerts, spending pace, heatmaps, calendar spending, and weekly summaries • More reliable AI advisor context so Juls uses accurate financial numbers ### 2.0.13 — 2026-05-17 Smarter Money, Less Work NEW • Monthly Bills — subscriptions and obligations in one view with payment tracking • Budget Simulator — plan before you spend with what-if scenarios • Savings Snapshots — auto-track interest earned and surplus per savings account • Spending Forecast — daily spend chart scoped to your Expense Accounts • Offer Code Redemption — redeem free LAYA Unlimited codes from the paywall • Upcoming Bills Lock Screen and Home Screen widget • Trip Budgets — set and track travel spending by trip • AI chart artifacts — Juls shows inline charts in conversations • Wallet transfers with configurable fees between accounts IMPROVED • Dashboard redesigned with smart insights and spending intelligence • Auto-Capture and Share Extension now deduplicate transactions automatically • Returning users skip onboarding and keep their subscription on reinstall • Expanded to 32 currencies with live exchange rates • Cleaner onboarding with optional sample data FIXED • Income no longer double-counted in monthly cash flow • Recurring transactions no longer generate duplicates on launch • Crash protection for corrupted data synced from older versions • Account balances stay correct after duplicate cleanup ### 2.0.12 — 2026-05-14 What's New (v2.0.11): Stability & Reliability • Fixed crashes affecting some users after the recent update • Returning users who reinstall now skip onboarding automatically • Your Pro subscription is restored instantly after reinstall or sign-in Smarter Transaction Handling • Duplicate recurring transactions are now detected and prevented • Existing duplicates are automatically cleaned up on launch • Share Extension imports no longer create duplicate entries Paywall & Subscription • Fixed layout issues on the subscription screen • Subscription status now syncs correctly after signing in Polish • Light theme is now the default for new users • Sign-out properly clears all cached data for privacy • Demo mode no longer leaks into real user accounts • Improved data integrity checks run automatically on every launch --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-22.*