Pautang Journal

Pautang Journal is a private, offline record book for money you already lend on your own — salary loans and everyday pautang, all in one journal. Record payments, scan receipts, and keep signed PDF records of what you agreed — all on your phone, with no account and no internet required. Pautang Journal is a record-keeping tool. It does not offer, arrange, or facilitate loans, does not process or collect payments, and does not give financial advice. YOUR DATA STAYS ON YOUR PHONE • No account, no cloud, no tracking • Everything lives in the app's private storage • Encrypted backup whenever you want it • Nothing ever leaves your device unless you send it YOUR LOANS • Track both loan kinds in one journal — Salary Loans and Cash Advances • 7 interest methods: flat, diminishing, bank-style, no interest, and more • Flexible schedules: 15/30 payday, monthly, weekly, or daily • Missed a payment? Roll over and catch up next payday, or extend the term • Renew or restructure a loan when plans change DUES & PAYMENTS • See what's due today, this week, and this month • "Tubo lang" — record interest-only payments and move the principal to the next payday • Overdue view with borrower names and amounts • Excess cash tracking — know what to return to each borrower DOCUMENTS • Turn each loan's agreed terms into a signed PDF record — the borrower signs on your screen • On-demand Ledger Statements — save any loan's current status as a PDF • Built-in PDF viewer with pinch-to-zoom • Attach ID photos, payslips, and payment receipts FUNDING SOURCES • Track which pot financed each loan — your savings, a bank, or any other source • Per-fund outstanding, collected, and available at a glance ANALYSIS • Monthly Overview chart — loaned, outstanding, received, and overdue side by side • Payment status donut, overdue by age, top borrowers • See your collection rate and interest earned at a glance MONEY TOOLS • Loan calculator with presets for each loan kind and a full payment grid • Plan from a budget — the calculator solves the term • Compare all interest methods side by side PRIVACY FIRST • 100% offline — the app cannot send your data anywhere • No ads, no analytics, no data collection • App Lock with PIN or fingerprint • Encrypted backup and restore • Receipt scanning uses on-device text recognition only MADE FOR THE PHILIPPINES Built for how pautang actually works here — 15/30 payday cycles, tubo lang, and co-makers. All sample names are fictitious. Free plan: up to 10 borrowers with every feature. Pautang Pro unlocks unlimited borrowers for ₱399 once — no subscription, forever. Your pautang. Your records. Your control. Pautang Journal is a record-keeping tool — not a lending company, and it does not provide loans or payment services.