Ipon is a personal finance and budgeting app designed for everyday life in the Philippines. Built to help users see where their money goes, what bills are due, and how much remains, it tracks spending without requiring a bank connection. Users enter their own transactions, and the app does not ask for bank credentials, full card numbers, or contact access. Ipon includes spending categories, tags, a calendar, recurring bills, data export, and syncing across devices. It also supports offline tracking, with changes syncing when users reconnect.

The app is designed for money moving between pesos and other currencies, including freelance income in US dollars and finances shared by OFW families. Its Pro subscription is planned to add features such as budgets, insights, credit card and automatic bill tracking, live exchange rates, and cloud AI tools for interpreting text and bill photos. Ipon is coming to iPhone, and interested users can join its launch waitlist.