Utang Free PH vs uAgreed

Utang everywhere? Hindi mo na kailangan manghula kung paano ka makakaahon. Utang Free PH helps Filipinos organize their debts, build a realistic payoff plan, and finally see the finish line. In just 5 minutes, you’ll know: * The exact month and year you’ll become debt-free * Which debts to pay first to save the most interest * Your real monthly budget after tax, SSS, PhilHealth, and Pag-IBIG * A step-by-step payoff plan you can actually follow Built specifically for the Philippines — not generic US budgeting apps. Supports real Filipino lenders like: BDO, BPI, Metrobank, RCBC, GCash GCredit, Maya Credit, BillEase, Cashalo, ShopeePay Later, Home Credit, Pag-IBIG MPL, SSS Salary Loan, and many more. ## WHY FILIPINOS LOVE IT Most people juggle multiple debts but never see the full picture. One app says “minimum due,” another says “payment overdue,” and somehow your salary disappears before month-end. Utang Free PH changes that. You’ll finally see: * How much you actually owe * How long it will take to finish * How much interest is eating your money * And the smartest path out No spreadsheets. No complicated finance terms. No judgment. Just a clear plan. PRIVATE BY DESIGN Your financial data is yours — period. * No account required * No cloud sync * No tracking * No ads * No analytics * Everything stays encrypted on your device We cannot see your debts, salary, or progress even if we wanted to. FEATURES Smart Income Calculator Automatically computes your real take-home pay using TRAIN Law tax brackets, SSS, PhilHealth, and Pag-IBIG contributions. 64+ Philippine Lenders Built In Preloaded with PH banks, digital lenders, salary loans, and government loans — complete with adjustable interest rates. Debt Payoff Simulator Compare Avalanche vs Snowball strategies side-by-side and choose what works best for your life. Personalized Debt Strategy Get a practical Taglish action plan based on your actual income and debts. Monthly Debt Schedule Know exactly what to pay each month and track your progress over time. Payment Tracking + Due Date Reminders Stay consistent and avoid missed payments. Export to PDF or CSV Keep a copy, share with your spouse, or bring it to a financial advisor. 100% FREE No subscriptions. No premium unlocks. No “free trial.” No hidden paywall. Because getting out of debt shouldn’t cost more money. Made to help. Made for Filipinos. Mahabang laban, pero kaya. One payment at a time.

uAgreed helps people manage shared loans and rentals, plus personal payment tracking for debts, bills, and reminders, with clearer records, agreements, due-date alerts, and trust-focused review steps in one place. Owners can post rental listings that renters browse and request, all in the same app. Use uAgreed to: - Request money, lend money, or manage a shared loan - Browse available rental listings and send a rental request - Rent out your place, vehicle, or item as a public listing or a private link - Share a request link with someone who has not installed the app yet - Track due dates, repayments, installments, late fees, grace periods, and rental steps - Upload payment proof, receipts, ID and ownership documents, and other supporting images when needed - Generate, review, and sign loan or rental agreements based on the saved terms - Stay aligned with shared transaction history, transaction chat, progress updates, and push notifications - Track personal debts, bills, subscriptions, and other money reminders privately on your own device - Preview shared rental links with public listing details before the other person installs the app Key features: - Borrow money, lend money, browse and request rentals, or rent out to another user - Browse public rental listings and filter by rental type, location, or features - Post a rental listing as a public listing renters can discover, or keep it private and share the link - See Owner-verified and Identity-verified trust badges on listings before you request - Search existing users by username - Sign in with Apple, Google, or secure email link - Share request links for people who are not on the app yet - Show simple loan request previews and richer rental listing previews on shared links before install - Mark money as sent, received, paid, or confirmed - Track rental requirements, payment proof, handover, receipt confirmation, and agreement progress - Use transaction chat for active shared loan and rental flows - Manage reminders, send one-time nudges, and follow recurring overdue reminders on supported shared flows - Use Personal Payment Tracker for private debt records and bill reminders with one-time, weekly, monthly, or yearly schedules - Keep protected rental details hidden until payment is confirmed when the flow requires it - Receive push notifications for new requests, approvals, payments, chat updates, agreements, and reminders - Upgrade to Pro for higher plan limits, support chat, and reminder management uAgreed is designed for coordination and record-keeping between users. It hosts user-posted rental listings and passes along requests, but it does not move money inside the app and is not a bank, lending institution, brokerage, real estate agent or broker, or property manager, and is not a party to any arrangement between users.