Utang Free PH vs Cashee CostScope

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.

Stop guessing what your loans really cost. CostScope translates confusing interest rates into one honest number — the Effective Interest Rate (EIR) — so you finally see the true price of every dollar you borrowed. Lending apps love to hide behind "low monthly rates" and "small processing fees." CostScope strips away the marketing and shows you the real math: what you actually paid, what you're still paying, and where you got ripped off. Features: • Rate Translator — convert monthly rate, flat rate, add-on, or declining balance into true annual EIR in seconds • Hidden Cost Exposer — input processing fees, insurance, penalties; see your real total cost and "rip-off index" • Loan X-Ray Wall — record every loan you've taken, see true cost breakdown side by side • Loan Comparison PK — pit up to 3 loan offers against each other, find the cheapest one instantly • Repayment Timeline — visualize all your loans on a horizontal timeline, spot overlap peaks and danger months • Payoff Strategy Engine — Snowball vs Avalanche vs Custom: compare total interest and debt-free dates • Early Payoff Simulator — see how much you save by paying extra each month • New Loan Stress Test — simulate adding another loan, see how your burden ratio changes • Document Vault — photograph contracts, receipts, and collection screenshots for safekeeping • Monthly Cost Report — track how much you're paying for debt over time, with improvement tips All calculations happen on your device. No servers, no accounts, no data leaves your phone. Your loans, your business.