Built for OFWs

Control what happens to your money back home

You work hard abroad. See exactly how your remittances are spent — without awkward conversations.

Free forever · No credit card · Setup in 60 seconds · Works on any device

Sound familiar?

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You send ₱20,000/month but have no idea where it actually goes

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Your family says 'kain lang' but you know there's more

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You're worried about being taken advantage of but don't want to seem distrustful

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Multiple remittances to different family members — hard to track

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No one back home is tracking the budget either

Iponify gives you the visibility you deserve

Remittance Hub

Log every remittance you send. Track expected arrival dates. See when and how your family spends the money — in real-time.

Send trackingSpending visibilityExchange rates

Family Allowance System

Set monthly allowances for each family member. They see their budget. You see the spending. No awkward 'Saan napunta pera?' conversations.

Per-member budgetsReal-time alertsSpending reports

Full Dashboard Visibility

See everything from abroad — expenses, budgets, savings goals. Your family's finances, visible from Singapore, Dubai, or anywhere.

Live syncMulti-currencyMobile PWA

Ipon Challenge

Set savings goals with your family. ₱100/day challenge, 52-week ipon, or custom goals. Track progress together, celebrate milestones.

Daily challengesGroup trackingMilestone rewards
“As an OFW in Singapore, I need to see how my family uses the money I send. Iponify gives me peace of mind.”
MS
Mark Santos
Singapore → Bacolod · OFW 5 years

Start free. Upgrade when you need more.

The OFW/Expat plan unlocks Remittance Hub, Family Allowance, and multi-household — everything you need to manage your finances across borders.

Personal (Free)

₱0

2 members, 30 transactions/mo

OFW/Expat

₱499/mo

~$9/mo · Unlimited members · Remittance Hub

Frequently Asked Questions

How can I see how my family spends the money I send from abroad?
Iponify's Remittance Hub and Family Allowance System let you track every peso you send home. You can see in real-time how your family spends your remittances, set monthly allowances per family member, and receive spending reports — all from your dashboard.
Can I track multiple remittances to different family members?
Yes. Iponify supports multi-household management. You can track remittances to your parents, siblings, children, or any family members separately. Each recipient can have their own allowance budget and spending visibility.
What is the Family Allowance System and how does it work?
The Family Allowance System lets you set monthly budgets for each family member in the Philippines. They see their allowance and can log expenses, while you see the spending reports. Everyone stays on the same page without awkward conversations about money.
Can I use Iponify if I'm in Singapore, Dubai, or Saudi Arabia?
Absolutely. Iponify is a Progressive Web App (PWA) that works on any device with a browser — Android, iOS, tablet, or desktop. OFWs in Singapore, Dubai, Saudi Arabia, and worldwide use Iponify to manage their family finances. No app store download needed.
Is Iponify compliant with Philippine data privacy laws (DPA R.A. 10173)?
Yes. Iponify is fully compliant with the Philippines Data Privacy Act (R.A. 10173) and GDPR-aligned. We use bank-level AES-256 encryption, TLS 1.3 in transit, and host your data in EU data centers (Railway Frankfurt). You own your data and can export or delete it at any time.
What's the difference between the Free plan and the OFW/Expat plan?
The Free plan (Personal) supports 1 household, 2 members, and 30 transactions/month. The OFW/Expat plan (₱499/month) supports unlimited members, multi-currency conversion, Remittance Hub, Family Allowance System, and all premium features designed for overseas Filipinos.
Is Iponify a remittance service like GCash or Western Union?
No. Iponify is not a remittance service. We don't transfer money. Iponify is a budget and finance management app that helps you track your remittances and manage your family's finances. You still use GCash, Wise, Western Union, or banks to send money — Iponify helps you track and manage it.

Learn More About OFW Finance

Blog · 8 min read

How to Budget as an OFW: Complete Guide

Learn how to create a realistic budget, track remittances, and build savings while supporting your family.

Blog · 10 min read

OFW Budget Guide by Country

Sample monthly budgets for OFWs in Singapore, Dubai, Saudi Arabia, and UK with practical tips.

Blog · 7 min read

How to Escape the 5-6 Lending Trap

Practical strategies for Filipino families to escape predatory lending and build financial freedom.

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