Utang Free PH is made and published by Ladylyn Salvanera. AppBrain is an independent app data site and isn't affiliated with Ladylyn Salvanera. The app name, icon, screenshots and description belong to Ladylyn Salvanera and are shown as published on the App Store.
AppBrain's verdict
- Last updated
- May 22, 2026
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Similar apps and more from Ladylyn SalvaneraAlternatives to Utang Free PH
Releases
Updates seen on the App Store- Version
- 1.0.2
- Launched
- May 2026
No changelog data
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Technology
Found in the app by AppBrain- Price
- Free
- App size
- 36.2 MB
- Content rating
- Everyone
Technologies used by Utang Free PH
About the app and developer
About Utang Free PH
Utang Free PH is a finance app developed by Ladylyn Salvanera.
What is the rating of Utang Free PH?
Utang Free PH has no ratings yet.
Is Utang Free PH free?
Utang Free PH is free. The app size is 36.20 MB. The latest version available is 1.0.2. The last update was on May 22, 2026.
What are the requirements for Utang Free PH?
The app has a content rating of Everyone. The app has been available on the App Store since May 2026.
Developer information for Ladylyn Salvanera
Address:
Store listing
By Ladylyn Salvanera, from the App Store
Screenshots by Ladylyn Salvanera, from the the App Store listing
Description by Ladylyn Salvanera Written by the developer, not by AppBrain. Click to read.
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.
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.