LoanShark: Utang Tracker

Debt is not a spreadsheet. It's the 5-6 with a neighbour, the salary deduction you find out about on payday, the cousin who said "next week" back in March. LoanShark tracks both sides of it — what you owe, and what you're owed — and puts a shark in charge of watching. WHAT YOU OWE Add a loan and LoanShark builds the amortization schedule for you: due dates, running balance, and a reminder before each payment lands. No manual math, no recomputing after a partial payment. WHAT YOU'RE OWED Most utang apps stop at your own debt. The Collections side tracks debtors, receivables, and agreements, with nudges you can actually send without it being awkward. This is where informal money goes missing, so it gets equal billing. SCAN THE RECEIPT Logging a payment is the step everyone skips. Point the camera at a GCash or InstaPay receipt, or a payslip deduction line, and the amount, date, and reference fill themselves in. Text recognition runs on your phone — the photo is never uploaded anywhere. SHARKY REACTS Paying four days early on a three-payment streak isn't the same as scraping in two days late, and Sharky doesn't pretend otherwise. Every reaction is derived from what actually happened, so it stays honest as your habits change. Clear a loan and you'll know it. YOUR DATA STAYS YOURS No account. No sign-up. No server. Everything lives in a database on your phone. Export a passphrase-encrypted backup whenever you want one, and keep it wherever you keep things. LoanShark works with the network off. FREE AND SHARKY+ Free covers three loans — enough to run your real life, not just to try it. Sharky+ unlocks unlimited loans and collections, encrypted backups, bulk list import, the Learn section, and Sharky's wardrobe. Subscribe monthly or annually, or trade a single rewarded video for it. One ad, on one screen, only if you tap it. No banners anywhere in the app. Built in the Philippines, for how utang actually works.