Tipid App vs Pautang

Tipid is a private, offline budgeting app built for the way Filipinos actually handle money. Track every peso in seconds, set budgets and savings goals, keep tabs on utang, and grow your ipon — all on your iPhone, with nothing leaving your device. No bank logins. No cloud. No accounts. No subscriptions. Your financial life stays yours. LOG EXPENSES IN SECONDS • Just type it — "coffee 150 starbucks" — and Tipid figures out the rest. • Talk to it, or snap a photo of a receipt and let it read the details. • On-device AI puts each expense in the right category on its own. SEE WHERE YOUR MONEY GOES • A clean Today dashboard shows balances, recent activity, and your net worth at a glance. • Charts and insights show your spending patterns and where you can cut back. • Net worth updates the moment you log income or an expense. BUDGETS & GOALS THAT MOTIVATE • Set category budgets and track progress as you spend. • Create savings goals and watch your savings piggy grow plumper the more you save. • Cashflow forecasting helps you see what's coming before it hits. BUILT FOR REAL LIFE • Track utang and money owed — who you owe and who owes you. • Installment plans and recurring transactions stay organized. • Planned payments and upcoming bills so nothing surprises you. • Multiple accounts: debit, credit, cash, and investments. • Multiple currencies supported. PRIVATE BY DESIGN • 100% offline — your data never leaves your iPhone. • Face ID unlock and a privacy mode to hide balances. • On-device AI powered by Apple Foundation Models — smart, but private. GOES WHERE YOU GO • Apple Watch app for logging on the move. • Home screen widgets and Siri support. • Export to CSV/JSON and generate PDF statements anytime. Free to start, with a one-time purchase to unlock everything — no monthly fees, ever. Finally see your money clearly. Salamat for using Tipid!

Pautang is a private, offline-first ledger for anyone who lends money and wants to stay organized. Whether you help out family and friends or keep an informal lending book, Pautang tracks every loan, payment, and balance — and does the math for you. WHAT YOU CAN DO • Record loans and repayments in seconds • See balances update automatically — principal, interest, and profit • Spot overdue and due-soon loans at a glance • Browse by person to see exactly who owes you • Track your capital: cash on hand, and how much is out on loan vs idle PRIVATE BY DESIGN • Works fully offline — your data lives on your device • No ads, no tracking, no analytics • Optional cloud backup if you want it • Delete your account and all data anytime Pautang is a personal record-keeping tool. It does not lend money, move funds, or process payments — every figure is one you enter yourself.