“How much will I have on payday?”
Waldazz is a money forecasting app for Filipinos, from a first sweldo to a family's bills. Add your accounts, bills, loans and sweldo once, and it shows you what you'll have on any date, what's safe to spend each day, and, before you buy something big, whether it fits and when it will.
Why I built it
For years I tracked my money in three different apps, and an Excel sheet to boot. Each one held part of the picture, and putting it all together was confusing.
And every time, the same temptation came back: just stop tracking.
So I built Waldazz from scratch: one app that records everything I need, from sweldo and bills to loans, utang and paluwagan, and shows what it all means for payday.
If juggling apps has ever made you want to give up on tracking, this one's for you.
Yong CaballeroDesigned & built Waldazz
These numbers come from the Bangko Sentral's 2025 Consumer Finance and Inclusion Survey and other recent studies. Each one comes with the part of Waldazz that helps.
Filipino adults have savings that could absorb an unexpected expense. The other 7 would have to borrow or go without.
In Waldazz: set a Cushion and add a Savings item every payday, so the emergency fund grows before you spend.
BSP Consumer Finance and Inclusion Survey 2025Filipino families can't pay a ₱10,000 hospital bill outright.
In Waldazz: Can I afford it? shows in seconds whether a sudden expense fits, and on which day it would.
BCG, The Filipino Family study, 2025of loans taken in 2025 went to food and basic needs, the biggest reason Filipinos borrow. Borrowing to eat usually means the money ran out before payday.
In Waldazz: Safe to spend each day keeps the money for rent and bills out of your daily budget, so the last week before sweldo isn't empty.
BSP CFIS 2025, via GMA Newsof borrowers often struggle to make their payments, and 8% take a new loan to pay an old one.
In Waldazz: every loan shows what's left and when it ends. Extra money tells you which loan a bonus should go to first.
BSP CFIS 2025, via GMA Newsof retail payments in the Philippines were digital in 2024 (GCash, Maya, cards, bank apps), up from 53% a year earlier. Money now leaks out in small taps.
In Waldazz: add every e-wallet as an account and log taps as a Spend. It takes five seconds.
BSP Status of Digital Payments 2024Most budget apps tell you what you spent. Waldazz tells you what you can still spend. Here's one sweldo, from payday on the 15th to payday on the 30th.
The big bill on the 25th is already set aside on the 15th. You won't spend the rent money by accident, because Waldazz never counts it as yours to spend.
Payday every 15th and 30th isn't an accident. The Labor Code says wages are paid at least twice a month, no more than 16 days apart. Waldazz is built around that rhythm.
The big number on Home. What you'll have on a date you pick, after every bill and every income until then. Tap Next payday or End of month.
Your daily allowance until payday. Spend under it and every bill is still covered.
An amount you never want to drop below. Waldazz keeps it out of your daily allowance.
The minimum your bank makes you keep. Waldazz never counts it as spendable.
A counted account is money you use. Turn it off for money you never touch, like an emergency fund or MP2.
A Spend is something already bought (food, fare, fuel). A bill is something coming up that you'll pay.
The lowest your money gets before the date you picked. Tap Why? to see every bill that brings it there.
A short check-up on Home: a balance not updated in a month, a bill days overdue, or a spend logged twice. It only shows when something needs fixing.
A target for a Savings item, with an optional date. Waldazz shows how far along you are, and what each saving needs to be to make it.
Can I afford it?
Type the price and the day you want to buy. Waldazz runs it through every bill and every sweldo coming up, and answers the way a friend who knows your money would.
Not yet. On the 20th your bills would be ₱9,725.92 more than you have. It fits from the 23rd, right after your sweldo.Condensed from a real answer on my own phone
Pick the income and how late it might be, from 3 to 30 days. Waldazz shows whether every bill is still covered, and what happens to your daily number.
Move a bill works the same way: pick a bill and a new date, and see what it does before you ask for more time.
Nothing is saved until you add it, so you can try as many as you like.
What it does
Step day by day, or jump to today, next payday or end of month. It also flags your tightest day before then.
One daily number that keeps every bill until payday covered, after a cushion you choose.
Tap Why? for every bill between now and your tightest day, and what you'd have left after each.
A quick check-up on Home when a balance hasn't been updated in a month, a bill is days overdue, or a spend was logged twice.
Set a target and a date. It shows how far along you are, and how much each saving needs to be to make it.
Flat or diminishing-balance loans with full payment plans, payment holidays and lender promos.
When someone owes you, send a Taglish (or Bisaya) reminder through Messenger, Viber or SMS. You pick the tone.
Your hulog each round, your turn to take the pot, and the organiser's fee.
Got a bonus or your 13th month? See which loan it saves the most interest on.
Built for Filipino money
PCSO Lotto
Lots of us bet, and most of us have lost a slip in a wallet. Waldazz keeps the numbers, the draws, what it costs and whether you won in one place, so the paper ticket isn't the only record.
Just for fun: every combination has the same chance, and Waldazz doesn't sell tickets or predict draws. You must be 18 or older to bet.
5 tickets (6/42, 6/45, 6/49, 6/55, 6/58) for ₱375.00.
3 of 6 numbers match on Sat, 10 Oct.Winning numbers: 04 · 09 · 23 · 39 · 41 · 54. From GMA News’ results page.
Screens
Tap any screen to see it larger. Names, places and account labels are blurred; the amounts are real.
The order matters. Accounts first, then the money coming in, then the money going out. The + button on any tab opens “What are you adding?”.
Do it for all of them: payroll account, GCash, Maya, wallet cash, cards. If one is missing, your numbers will be off.
Freelance or OFW padala? Add each one as income with its own date. If you're not sure it will come, turn off Count in my forecast.
Done. Go back to Home. The big number and Safe to spend now reflect your real life.
Waldazz only knows what you tell it. Keep it up to date and it stays right.
Enter the price and the day. You'll see yes, tight or not yet. If it's not yet, Why lists every bill until your tightest day, and Waldazz gives the first day it fits, often right after your sweldo.
Home → Can I afford it?Tap Remind on Home, or open the loan. Pick Gentle or Firm, and send a Taglish reminder through Messenger, Viber or SMS. You can edit it first, and the loan shows when you last sent one.
Loan → Send a reminderEnter the amount. Waldazz shows which loan it saves the most interest on.
More → Extra moneyChange the amount when recording. Keep the rest due on a new date.
Bill → Record paymentRecent payments show on Home with Undo. Spends have Remove spend.
Home → Paid recentlyOn a loan with interest on the balance, a lump sum comes straight off the principal and next month's interest goes down.
Loan → Pay toward principalAdd it to the loan's plan with + Payment holiday. On a loan with interest on the balance, that month's interest is added to what you owe, and the table shows it.
Loan → Edit → + Payment holidayAdd your hulog each round and your payout turn. Both land on your schedule.
+ → PaluwaganRecord it as a transfer, with the fee. Your total doesn't change except for the fee.
Accounts → TransferSee today's BSP reference rate for 31 currencies.
More → Currency converterOpen the date and choose Skip or Move date. Only that one date changes.
Item → Coming upPick No account. Each deduction counts as paid on its date, and the balance goes down by itself.
Loan form → No accountTap Why? next to your tightest day. You'll see every bill until then and what you'd have left after each, so you know which one to move.
Home → Tightest day → Why?Pick the income and how late, from 3 to 30 days. Waldazz shows whether every bill is still covered.
Can I afford it? → Sweldo is latePick the bill and the new date, and see what it does before you ask for more time. To make it stick, use Move date on the bill.
Can I afford it? → Move a billGive a Savings item a goal, and a date if you like. It shows your progress and how much each saving needs to be.
+ → Savings → GoalA balance not updated in a month, a bill a few days overdue, or a spend logged twice. Tap the line to fix it.
Home → Worth a lookSwitch the whole app. Amounts and dates stay the same.
More → LanguageSelect your games (one tap for all the 6-number games), set the bets and draws (up to 6), pick, and save them all at once. My tickets shows the total, and logs the whole week as one spend.
More → PCSO Lotto → SaveTap Get results on a ticket (or for all your tickets at once). Waldazz reads the winning numbers GMA News publishes and lights up your matches, no paper slip needed. You can also type them.
PCSO Lotto → My tickets → tap a drawPick one game or several, how many bets and how many draws. Waldazz shuffles random numbers and shows the dates and the total cost. Don't like a number? Tap it to choose another.
More → PCSO LottoThese are common-sense habits, not financial advice. Each one is something Waldazz makes easy.
The moment sweldo lands, rent, utilities and hulog are already spoken for. Waldazz sets them aside before showing Safe to spend.
Whatever's left at the end is usually nothing. Add a Savings item twice a month, so it's treated like a bill.
Start with one month of bills. Then aim for three. Keep it in an account that's not counted, so it never feels like spending money.
“1.67% a month” on the full amount is closer to 2.9% a month on what you still owe. Enter the hulog with Payment and Waldazz shows both rates.
Record every peso lent, even to family. A friendly reminder on the due date beats an awkward talk three months later.
Check Can I afford it? before you check out. If it says “not yet”, it shows the bills behind it and the day it fits. Usually that's right after sweldo.
No account, no sign-up and no server. Waldazz never connects to your bank, GCash or Maya, and there's an optional Face ID or fingerprint lock.
English, Filipino or Bisaya, switched in one tap. Money words stay the way people say them: sweldo, hulog, utang.
Waldazz doesn't scold you for spending. It shows what a choice does to the days ahead, so you can decide with your eyes open.
No. Waldazz never connects to your bank, GCash or Maya. You type in the balances yourself, once, and Waldazz keeps them up to date as you record payments.
Only on your phone. There's no account, no sign-up and no server. Waldazz only downloads public information: the BSP exchange rates for the converter and PCSO lotto results. The privacy policy has the details.
Your data goes with it unless you've backed up. Make a backup once a month: More → Back up, and save it to Google Drive, OneDrive or email.
Usually a spend wasn't logged or a payment wasn't recorded. Open the account and use Update balance to set it to what your bank app shows.
Your bills before payday add up to more than you have, after your cushion. Look at Due soon and the Schedule: you may need to move a bill, lower the cushion, or wait for sweldo. Tap How is this worked out?, then See the bills behind this, to see which ones.
For the daily number to be right, yes, but it takes five seconds: + → Spend, pick Coffee, enter the amount. Bigger purchases matter most.
Yes. More → Language switches the whole app to Filipino or Bisaya (Cebuano). The utang reminder is in Taglish in English and Filipino, and in Bisaya in Bisaya.
Gentle is friendly and patient, for a first nudge. Firm is a direct follow-up, still polite, for when it's been a while. You pick it on the loan's screen, or when you tap Remind on Home. Both open as a draft you can change before sending, and Waldazz remembers which one you use.
The whole guide as a printable PDF: the Filipino money facts, how Waldazz thinks, set-up, the daily habit, every situation and the questions.