Pautang Peso

About Pautang Peso

Pautang Peso is an offline personal finance tool for reviewing existing short-term credit obligations and understanding how upcoming payments may affect essential household expenses. Pautang Peso helps users organize their own loan balances, payment dates, minimum payments, disputed amounts, expected income, and protected expenses in one private space. With Pautang Peso, users can review financial pressure across the next 7, 14, or 30 days.

The application does not provide loans, recommend financial products, connect users with lenders, submit applications, or provide investment advice. Pautang Peso app is intended only for personal organization and planning based on information entered by the user. Pautang Peso app does not make lending decisions or guarantee payment outcomes.

Review Credit Obligations

Users can manually add existing PDL obligations with creditor names, remaining balances, payment dates, minimum payments, disputed amounts, pressure levels, and personal notes. The obligations screen helps users identify upcoming payment dates and records that may need closer review.

The app also lets users record essential household expenses such as housing, food, transportation, medicine, communication, and other protected costs. These amounts are considered before determining what may remain available for a potential payment.

Financial Calendar

The home screen provides a calendar-style overview of upcoming days. Each day can be classified as calm, caution, risk, or overloaded based on the information entered by the user.

Expected income can be recorded with a date, amount, and reliability level. Uncertain income is shown separately and does not automatically increase the suggested safe payment limit.

The Pautang Peso download provides an offline planning experience where users can review their own financial information without an account or connection to external financial services.

Daily Decisions

The daily decision screen allows users to record a practical next step, such as making an affordable payment, postponing a promise, preparing a conversation, marking an amount as disputed, or making no payment promise today.

Each decision can contain a date, amount, reason, and personal note. The decision journal organizes previous actions, postponements, promises, and recorded payments.

Pressure Heatmap

The heatmap reviews the selected 7-, 14-, or 30-day period and highlights days with increased financial pressure. Users can see the reasons for an overloaded day, the remaining amount after protected household expenses, and payments that may require additional verification.

The summary is calculated locally from information entered by the user. When there is insufficient data, the app provides an empty state and suggests adding an obligation, an expense, and an expected income.

Evidence & Camera

The decision journal includes one optional camera feature for attaching a photo of a receipt to a local record. The app remains fully functional without camera access. If permission is declined, users can continue with manual entry.

All information is stored locally on the device. The application does not require servers, cloud synchronization, remote analytics, or external financial APIs.

Settings

Settings allow users to manage currency, analysis period, minimum protected balance, treatment of uncertain income, hot-day threshold, weekly promise limit, local notifications, and local data. A text summary can be copied to the clipboard.

The application uses a dark, focused interface with clear hierarchy, compact cards, blue accents for primary actions, and purple accents for analytical warnings. It is designed as a private offline tool for organizing existing financial obligations and reviewing upcoming payment pressure.