Shared finances for couples, families, OFWs and expats.
Your budget. Your household. Simple.
Free forever · No credit card · Setup in 60 seconds
Everything you need, nothing you don't
Built for real households, not just spreadsheets.
Shared Budget
See where your money goes, together. Shared budgets that actually make sense for two.
Expense Tracking
Every transaction, every split. No more 'who paid for what?'
Savings Goals
Save for what matters. Track pockets, goals, and dreams — side by side.
Multi-Currency
Two currencies, one home. Live conversion for mixed couples and OFWs.
How it works
Three simple steps to shared financial clarity.
Create your household
Name your space, set your currency, invite your partner.
Track together
Add expenses, set budgets, see where your money goes in real-time.
Grow your savings
Set goals, track progress, celebrate milestones together.
Send money home. Track every peso.
Iponify's OFW features are designed for Filipino workers abroad who want full visibility on how their remittances are used.
Remittance Hub
Track every remittance you send — from Singapore, Dubai, or anywhere. See when it arrives, how it's spent, and what's left. No more guessing.
Family Allowance System
Set monthly allowances for each family member. They see their budget, you see the spending. Everyone stays on the same page — no awkward conversations.
Ipon Challenge / Paluwagan
Digital version of the classic Paluwagan. Set savings challenges with your family or friends — ₱100/day, 52-week ipon, or custom goals. Track progress together.
Multi-Household
Separate households for your life abroad and your family back home. Switch between them instantly — one app, two worlds, zero confusion.
Take Iponify everywhere
Native Android & iOS apps are here. Push notifications, offline access, biometric login — your household budget, always one tap away.
Learn more about the mobile appSimple, honest pricing
Start free. Upgrade when you're ready. No surprises.
Or pay once, own forever
Limited lifetime plans — when they're gone, they're gone.
Only a fixed number of lifetime accounts will ever be sold. Once claimed, this offer disappears forever.
All prices in PHP. 1 USD ≈ ₱56. Save 33% with annual billing.
Our growing community
Real households, real progress — tracked together.
From our kitchen table to your household
Max moved from France to the Philippines to be with Maria. They built Iponify to manage their own finances across two countries, two currencies, and multiple accounts. When family and friends asked to use it too, they knew they weren't the only ones struggling.