Money habits & budget
Sharky plans your pay, reminds you before bills land and keeps you inside your limits. Free on Android and iPhone, all on your phone.
Money
- Budget
- Wallet
- Bill reminders
- Calendar
- Insights
- Subscriptions
- Wrapped
- Bank alerts
- Receipt scan
- Templates
- Notes to log
Utang
- Utang tracker
- Collections
- Split a bill
- Payoff plan
- Loan cost
- Invoices
- Help with a bill · Android
- Income tax
Ipon
- Ipon goals
- Money habits
- Investments
- Paluwagan
Pockets
- Cards
- Store cards
- Gift cards
- IDs & discounts
- Insurance & HMO
- Miles & points
- QR wallet
- Card promos
- Warranties
Home
- Grocery list
- Meals
- Budget Meal
- Pantry
- My Meds
- Water reef
- Rental space
- Business
Sharky
- Sharky AI coach
- Learn
- Reef Run
- Badges
- Trips
- Community
- Shared Space
One shark, seven seasons
Tap a card to pick it up
Try it
What does one small habit add up to?
Pick a habit, set what it is worth a day, and watch a streak fill. Money habits in Sharky tick from what you already log.
The habit
Keep the streak for
30 days of it
₱4,500
₱150 × 30 days. No interest assumed, just showing up.
Sharky ticks each day from what you already log.
Watch
One app, two phones.
A couple, a barkada, and a lender with a borrower, each on an Android and an iPhone: the shared feed, wallet, budget, split bill, debts, Sharky, and Reef Run. Narrated and captioned.
Help with a bill: neighbours paying bills.
Neighbours swipe through real bills, hold one for 24 hours, and pay the biller in their own GCash or Maya. A gift, with no fee. It starts on Android, in the Play beta; iPhone does not have it yet. Narrated.
Your tindahan, counted.
Business turns your phone into a cash notebook, a point of sale, and an inventory for your sari-sari store, so you know what today really made. Narrated and captioned.
Your gamot, budgeted.
My Meds puts your maintenance meds in one place: what they cost a month, a refill plan before the box runs out, and a reminder at your own times. Narrated and captioned.
One ledger for two phones.
Shared Ledger from start to finish, on an iPhone and an Android phone: make a code, scan it, join, and every log shows up on both. Captions you can turn on.
Sharky is free now. All of it.
Insights ranks what matters most, the wallet shows what is left for today, one (+) logs anything, and the widget ticks a payment off.
The whole app, in ninety seconds.
Both ledgers, a payment read straight off a receipt, Sharky reacting to what actually happened, and the lessons on Philippine lending law.
New on Google Play
Version 1.46.0
Out November 2026. An update on Play brings everything here, free, with your ledger untouched.
Every release
Budgets that fit how you get paid
A budget line can reset every day, week or two weeks, or be a percent of your income. No-spend lines count the days you kept your wallet shut.
Net worth and a FIRE calculator
Net worth is kept month by month with a list of what moved it. The FIRE calculator shows how far you are from not needing to work, and goals show the day you reach them.
Ask Sharky can make changes
Sharky can change pockets, cards and budgets for you. You review each change before it is saved. Also new: daily backups, Passport trips, and iPad support.
Money going out
Loans you are paying
Add the principal, the provider and the cadence. The whole schedule is generated, every installment gets a reminder, and the total says what you borrowed and how long it runs.
Remaining
₱59,028.65
2 loans · Due Aug 31
clear by Aug 2027
Money coming back
Utang owed to you
Write down who borrowed, what they promised and when. Record what comes back, send a nudge that stays polite, and keep a record you can show without an argument.
Owed to you
₱305,655.88
3 people · ₱32,358.56 past due · since Jun 12, 2025
A few screens. No setup.
No dashboard to configure, no onboarding to sit through. These are real captures, with the names blurred out.
The feed, on open
Everything it does, it does on the phone.
Works with the data off
The whole ledger lives in a database on your phone. No sign-up, no waiting on a server.
The (+) opens the camera
Snap a GCash or InstaPay screenshot, or a till receipt. One sheet reads the amount, who it was with and which way it went, and guesses spend, income, payment or collection before you confirm.
A wallet of every pocket
Banks, e-wallets, cash and credit cards, each in its own design, in pesos or any of 20 currencies. Swipe a card to pay with it, and every payment remembers where the money came from.
Reminders before the deduction
Every installment gets scheduled when you add the loan. Answer it from the notification shade, or tick it off the home-screen widget without opening the app.
Sharky keeps the score
A feed that marks the payment you made, not the amount you owe. It never comments on how deep you are in.
Everything in the app
Loans9
- Full installment schedule from principal, provider and cadence
- A reminder for every installment, answered from the notification
- What you owe next, under the balance, with its own Log button
- Weekly and daily schedules for 5-6 and lending apps
- How you paid and a note on every payment, in one Payment history
- Landed amount and real monthly cost
- Credit cards with statements and available credit
- A card due date and a reminder before it is due
- Coop, SSS, Pag-IBIG and digital lenders on the provider list
Utang owed to you4
- Who borrowed, what they promised, and when
- Remind in three tones, drafted as the bubble they will read
- Same terms for "+ Another person" in one tap
- A record you can show without an argument
Wallet10
- Banks, e-wallets, cash and credit cards in one pile
- Pockets in pesos or any of 20 currencies
- Swipe to pay or move money; every payment tagged with its pocket
- What is left for today, and the month grouped by day
- Safe to spend until payday, after bills and loan dues
- Tap a category to see the spends behind it
- Search every transaction and save a search as a chip
- Fix an entry's amount, pocket and category in one sheet
- Spots a transfer logged as a spend and an income
- Gift cards, IDs, insurance, Beep load, and miles and points
Capture5
- GCash, Maya, InstaPay and till receipts read on the phone
- One confirm sheet guesses spend, income, payment or collection
- Asks before logging the same spend twice
- Paste a GCash or bank message, or scan a QR, into Log money
- A printed loan list comes back as rows you can check
Feed and Sharky9
- A feed that marks the payment, never the debt
- Search the Feed for any past post, person or loan
- Ask Sharky in English or Taglish, answered from your records
- Optional offline model makes his replies chattier
- Insights ranks what matters most this cutoff
- What drove this month: "Pamasahe, mostly Grab"
- Hide the cards you do not need; a due bill still shows
- Home-screen widget to tick a payment off
- 16 lessons on Philippine lending law
Paluwagan4
- Run a circle or join one: weekly, kinsenas or monthly
- Payout order as listed or by bunutan
- Each round fills like an Ipon tank as hulogs come in
- Remind late members, and share a read-only link
Shared Space5
- Scan a QR to share one live Feed and the whole ledger
- Live sync both ways, end-to-end encrypted
- Each entry names who logged it
- Shared goals show who chipped in
- Reactions, comments and photos
Privacy3
- No sign-up, works offline; sharing is opt-in and end-to-end encrypted
- Payment history the app itself cannot edit
- One backup file, encrypted with your passphrase
Your loans stay on your phone. Only what you share goes online.
No sign-up, no email, no phone number. Sharing with your partner is opt-in, and a shared ledger is encrypted on your phone with a key we never receive.
Payments are written to a ledger the app itself cannot edit or delete, so the history you see is the history that happened.
Backups are encrypted with your passphrase before they leave the app, and you pick where the file goes.
Learn
Know the rules before you sign.
16 short reads built into the app, 43 minutes end to end. Every legal claim names the law it comes from, no lender is named, nothing is recommended to you, and each one finishes with something you can do today.
What a loan shark is
The name of this app, and how to recognise the real thing.
What "loan shark" actually means
2 minWhere the phrase comes from, and what makes a lender one.
The arithmetic of 5-6
3 minWhy 20% per cycle is not a 20% loan.
Five tells
3 minWhat a predatory arrangement looks like from the outside.
Legal, illegal, and the line between
3 minWhat the law already says about lenders and collectors.
Getting out
Order your debts, stop the rollover, know your rights.
Write down all of it
2 minThe step everyone skips, and why it is first.
Which one to kill first
3 minAvalanche saves more. Snowball finishes more. Pick on purpose.
Stopping the rollover
3 minThe renewal is the trap. Here is how the loop breaks.
If the collecting turns ugly
3 minWhat is not allowed, and where it gets reported.
After the debt
The habits that keep you from needing the next loan.
The small buffer comes first
2 minEven a tiny fund is what stops the next loan.
Budget by cutoff, not by month
3 min50/30/20 fitted to how you are actually paid.
Fund the shocks you can see coming
2 minTuition, Christmas, and the medical bill that is not an emergency.
What to do with the freed-up money
3 minThe dangerous month is the one right after the last payment.
Good debt, bad debt
Debt isn't the enemy — the rate and the reason are.
What actually makes debt good or bad
3 minSame word, two very different arithmetic problems.
Why the same peso amount can cost 3x more
3 minCompounding, and why a small-sounding rate rarely is.
The trap in the minimum payment
3 minRevolving credit turns good access into bad debt through one number.
Which debt to keep, and which to kill first
2 minNot all debt deserves the same urgency.
Sharky is not licensed to give legal or financial advice, and the lessons say so out loud. They explain how the mechanisms work and what your options are. The choice stays yours.
Pricing
Free. Every feature, for everyone.
Every loan and everyone who owes you, encrypted backups, and reading a whole list off a photo in one go. No subscription, and no limit waiting to be unlocked.
Questions people ask
What is Sharky?
Sharky is a free money app made in the Philippines. It tracks the utang you owe and are owed, salary-deduction loans, paluwagan, bills and ipon goals, and reads GCash and InstaPay receipts off a photo. Everything is stored on your phone, with no sign-up.
Is Sharky a lender?
No. Sharky never lends money and never asks for payment outside Google Play. It is a tracker for loans you already have, and for utang between you and other people.
Is my data sent anywhere?
Not unless you choose to. Every loan, payment and person who owes you is stored in a database on your phone, with no sign-up. Two things are opt-in: the community board, a public forum that says so before it opens, and Shared Space, where you choose what to share with your partner or family. A shared ledger is encrypted on your phone with a key we never receive.
Does it work without a connection?
Yes, all of it. Adding loans, recording payments, reminders, the feed and reading a list off a photo all run on the phone. Only the community board needs a connection.
What happens if I lose my phone?
Export a backup before that happens. It is a single encrypted file you choose where to put, and restoring it on a new phone brings everything back. Receipt photos are not included, so cards restore without their image.
Is it free?
Yes, all of it, as of version 1.23.0. Every loan, everyone who owes you, encrypted backups and reading a whole list off a photo. There is no subscription and no limit to unlock.
Is there an iPhone version?
Yes. Sharky is on the App Store for iPhone and on Google Play for Android. Everything lives on the phone rather than on a server, so there is nothing to sign into from another device.
Help us decide what Sharky learns next
We are testing planned bills before we build them. Add a few of your bills and tell us which number you would trust. Five minutes, no sign-up, in Taglish or English.
You asked, we shipped
Requests and problems people sent in, and what changed. Names and details are left out.
- RequestedShipped in 1.43.0Receipt confirm screen
A way to note what the money is for.
The box under the amount already saved a note, but it was called “What for” and hidden from anyone who skipped it. It is now labelled Note so it is easy to find.
- ReportedShipped in 1.40.0All features
The eye button that hides your amounts would not show them again. Reported twice.
Fixed. A phone lying face-up on a table was read as face-down, so amounts stayed hidden whatever the eye said. It now tells the two apart.
- ReportedShipped in 1.39.0Ipon goals
Tapping Start a goal on an empty Ipon goals screen often did nothing.
Fixed. The button now responds every time.
- AskedAnsweredStatement
Where to see the result of a loan application.
Sharky cannot see this. The Statement is made from your own records, with no link to any lender, so ask the lender about an application.
Join the Sharky community
Ask a question, swap money habits, and watch how each feature works. Free, and it is the quickest way to reach the people who build Sharky.
Facebook group
Sharky Money Habits & Budget Community. Ask what you are stuck on, and see every report and fix we post.
Join the groupYouTube channel
Sharky Money & Business. Short videos on what is new and how each feature works.
Watch on YouTubeApp Builders PH
A directory of apps built by Filipino makers. An upvote there costs you nothing and puts Sharky in front of the people it was made for.
Upvote SharkyStart one small habit. Sharky keeps the score.
