Personal finance, Philippines-first
Your finances, organized for a brighter tomorrow.
Track cash, e-wallets, bills and the people who owe you — in one place, without handing over a single bank password.
Free to use. No bank connection. No card required.
You already know where it goes wrong
Most tools assume your money lives in a bank account they can log into. Here it lives in a wallet, an e-wallet, a card, and a friend who will pay you back on Friday.
- Money is in four places and none of them agree
- A bill arrives that you meant to set aside for
- Someone owes you and you have stopped remembering how much
- The month ends and you cannot say where it went
More than a tracker. A brighter financial future.
Organize. Understand. Grow.
Capture
Photograph a receipt or screenshot a payment and keep it in private storage. Enter the transaction yourself; automatic document reading is coming later.
Track
Cash, bank, GCash, Maya and credit cards, with bills and receivables kept separate from the transactions that settle them.
Understand
Where the money went, what is due, who owes you, and where your balance is heading over the next 30 days.
Getting started takes an evening
Add where your money is
Cash, bank, e-wallet, credit card. Set each balance to what it holds today — that one step is what makes every later total trustworthy.
Record as you go
Four things: how much, when, which account, roughly what for. Snap the receipt if you have it, skip it if you do not.
Look once a month
What came in, what went out, and which two categories surprised you. That last one is the part that changes anything.
Learn the habit, not just the app
All guidesHow to track monthly expenses without giving up in week two
Most expense tracking fails for the same three reasons. Here is a method that survives a busy month.
6 min read
How to separate transfers from expenses
Moving money between your own accounts is not spending. Here is why trackers get this wrong, and what it does to your totals.
5 min read
How to organise bills and due dates
A system for never being surprised by a bill again, built around the fact that you will forget to check.
5 min read
What HelloPera will not do
Never asks for bank credentials
No e-wallet passwords, no government IDs. You record what happened; HelloPera keeps it in order.
Never moves your money
It is a record, not a bank. Nothing here pays a bill or transfers funds.
Never guesses at a number
Uploading a receipt never changes your balance, and currencies are never converted.
Never sells your records
Your financial data is not shared with advertisers or used to target an advertisement.
You can export everything, or delete your account and its files, at any time. How we handle your data.
Small steps. Big freedom.
Start with one account and this month’s spending. That is enough to see the shape of it.
Create a free account