Utang Free PH vs SteadyStep

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.

SteadyStep helps you organize debts, expenses and repayments in one calm, private workspace. Enter your own information, understand your monthly cash flow and follow a clear repayment plan without judgment or pressure. PLAN WITH DETERMINISTIC CALCULATIONS - Record debts, required payments, interest rates and expenses. - Choose whether essential expenses come from a monthly estimate or your itemized records. - Compare interest-first and small-balance-first repayment strategies. - Preview extra monthly payments for free, compare projected payoff timing and interest, and explicitly save your chosen amount. - Review estimated payoff timing, interest and monthly milestones. - See a twelve-month repayment schedule based on the information you entered. TRACK WHAT ACTUALLY HAPPENED - Record real repayments by date and debt. - Keep payment history separate from projected payments. - Update a balance only when you provide a statement balance. - Follow monthly progress using recorded payments rather than a simple completion switch. OPTIONAL COMPLETE REPORTS Preview personalized takeaways for free, then unlock a complete educational report when you want a deeper explanation of your current plan. Reports combine SteadyStep's deterministic calculations with calm explanatory text, practical actions, risk reminders and assumptions. Complete reports are generated on your device, remain available in your private report history and can be exported as a PDF. A single-report purchase unlocks one complete report. An active monthly or annual subscription provides unlimited on-device report refreshes plus report comparison and ongoing progress summaries. Prices shown in the app come directly from the App Store for your storefront. PRIVACY BY DESIGN Free planning does not require a SteadyStep account. Sign in with Apple is used only for purchases, restoring paid access and unlocking complete reports. Your debt names, balances, rates, income, plan and completed reports remain in the app's private device and iCloud storage. Report entitlement confirmation never includes financial values or your financial snapshot. SteadyStep provides planning and educational information only. It is not a lender, debt-relief service, credit-repair service, financial adviser or legal adviser. Estimates depend on the information you enter and may differ from lender statements or actual results.