Loans and mortgages
Amortization schedules, payments linked to the loan, and the month it finally ends.
The money planner for Filipinos with credit cards
Budget muna,
bago swipe.
See every card statement before it’s due. Give every peso a job before the kinsenas. Both in one place, in pesos.
Free for the basics, with no time limit. No card needed. We never connect to your bank.
Credit cards
No more statement surprises
Your bank’s app tells you what you owe after the cut-off. BudgetMuna tells you while there is still time to do something about it.
Every statement, before the bank sends it
Set each card’s cut-off and due date once. BudgetMuna builds the statement as you spend, so the total is never news.
Installments with an end in sight
Convert a purchase to installment and see each monthly share land on the right statement, with how many are left.
Minimum, full, or something between
Record what you actually paid and link it to the statement it was for. Unpaid balances carry forward the way the bank carries them.
Cards that share one limit
Two cards, one credit line? Group them and see the real room you have left, not two misleading numbers.
Track my cards free
Basic includes 2 cards. Pro makes it unlimited.
Envelopes
Every peso has a job
The sobre system your parents used, without the sobres. Your money stays in your own accounts; you decide what each part of it is for.
Income lands in one place
Your sweldo arrives in Ready to Allocate. Nothing is spendable until you have decided what it is for.
Fund the month in one step
On the first visit of a new month, each envelope proposes what it needs. Adjust, press once, done. Opening it twice never funds twice.
Three kinds of envelope, because money is not all alike
Refill monthly for groceries. Top up to a target for rent. Save toward a goal for Christmas or tuition.
What you don’t spend stays put
Nothing is swept away at month end. The rice money waits for the next sack; the LPG money waits for the next tank.
All in one place
One home for your whole money life
Cards and envelopes are where most people start. Everything else is already here when you need it, in the same books, so nothing is entered twice and every number agrees with every other.
Cash flow
A month laid out as money in and money out, so you can see whether the plan works before you live it.
Wishlist and goals
The things you want, what they cost, and how close your savings are to each one.
Assets
What you own, what it is worth now, and when it next needs maintenance.
Net worth and reports
Balance sheet, income statement and net worth over time, from the same books.
Reconciliation
Match an account against its statement line by line, and find the one that is off.
Statement and receipt scan
Upload a PDF or a photo, review every line, and approve only what is right.
CSV import
Bring in a bank export, with duplicates caught before they land.
Building an emergency fund doesn’t have to wait: make it an envelope under Goals and fund it every month with the rest. Pro adds a target amount and date to aim for.
Every tool is in Basic, with limits on cards, envelopes, loans and scans. See what Pro lifts and adds.
Underneath it all
Numbers you can trust
BudgetMuna keeps real books. Every transaction is recorded the way an accountant would record it, which is why your net worth, your statements and your envelopes always agree with each other.
- Every transaction is posted to two accounts, the way an accountant would post it
- So your net worth, your card statements and your envelopes always agree, to the peso
- And a balance sheet and income statement come out of the same books, not a separate estimate
I built BudgetMuna because the app my bank gave me told me what I owed after the cut-off, and my spreadsheet stopped agreeing with itself around the third month. I wanted one place where the statement, the envelopes and the net worth were all the same numbers. It runs my own money first. If it breaks, I find out before you do.
Your money, your data
Built to be trusted with the details
It never touches your bank
No bank logins, no e-wallet connections, no way to move money. It is a planner and a record, nothing more.
Not a lender, not a marketplace
We don’t offer loans, we don’t sell your data, and we don’t show ads. The only thing we sell is Pro.
Yours to take away
Export your transactions any time. Ask us to correct or delete your information any time.
Pricing
Start free. Go Pro when you want more room.
Everything is in Basic, with a limit. Pro lifts the limits. Priced in pesos, for the Philippines.
Basic
The whole ledger and every tool, with room to try each one on your real money.
Freeforever
Get started free - Unlimited accounts and transactions
- Net worth dashboard, basic reports and CSV export
- Credit Card Manager for up to 2 cards
- Envelope budgeting with up to 3 envelopes
- Loan tracking for 1 loan
- Wishlist and goals, assets, cash flow and reconciliation
- Scan 2 statements and 10 receipts a month, plus CSV import
14-day free trial
Pro
The same tools with the limits lifted, plus the planning extras.
₱2,499a year
About ₱208 a month, 30% less than paying monthly. Or ₱299 month to month.
Start the free trialNo card needed to start. Nothing is charged when the trial ends.
- Everything in Basic
- Unlimited cards, envelopes and loans
- Unlimited statement and receipt scans
- Target amount and date on savings envelopes
- Advanced reports and PDF export
- Priority support
No card on file, no surprise charges
Pro is prepaid. You pay for a month or a year, and nothing renews by itself. We remind you before it ends, and if you let it lapse you move to Basic with everything you made still there.
Pay the way you already pay
GCash, Maya, GrabPay, credit or debit card. Checkout is handled by PayMongo; we never see your card number.
Questions people ask first
Does BudgetMuna connect to my bank or e-wallet?
No. It never logs in to your bank, GCash or Maya, and it cannot move your money. You enter transactions yourself, import a CSV, or upload a statement and approve each line. That is a deliberate choice: your bank passwords stay with you.
Is it really free?
Yes. Basic is free with no time limit and includes every tool: the ledger, up to 2 credit cards, 3 envelopes and 1 loan. Pro lifts those limits for ₱299 a month or ₱2,499 a year.
What happens when the free trial ends?
Nothing is charged, because no card is on file. After 14 days you either pay for Pro or move to Basic. Nothing you made is deleted. On Basic you cannot add more cards, envelopes or loans past its limits until you upgrade again.
How does the statement scan work, and where does my file go?
When you choose to scan, the PDF or screenshot is sent to our AI provider to be read into lines. BudgetMuna deletes the statement file as soon as it has been read, and receipt images are never saved. You review every line before anything is recorded. If you would rather not use AI at all, import a CSV from your bank instead: that path involves no AI.
I only want to track my credit cards. Do I have to budget?
No. Tell us what brought you here when you sign up and the app arranges itself around it. If you pick credit cards, you get statements, due dates and payments, and you never see an envelope unless you turn budgeting on.
Is there a mobile app?
BudgetMuna runs in the browser on your phone and computer, and you can add it to your home screen so it opens like an app. There is nothing to download from an app store yet.
Can I get my data out?
Yes. Export your transactions to CSV on any plan, and reports to PDF on Pro. You can also ask us to correct or delete your information at any time.
Plan the kinsenas. Beat the statement.
Set up your first card or your first three envelopes in a few minutes. It costs nothing to find out.