Pautang Journal

Pautang Journal – Offline Loan Tracker

Keep your pautang records organized, track every payment, and know exactly how much is still owed. Pautang Journal is a private, offline journal for managing money you've already lent, from salary loans and cash advances to everyday pautang.

Record loan terms, calculate interest, track due dates and payments, scan receipts, and generate PDF records. No account or internet connection is required for everyday use.

YOUR DATA STAYS ON YOUR PHONE

• No account, ads, analytics, or data collection
• Records stored in the app's private storage
• Create encrypted backups locally on your phone
• Back up and restore using Google Drive or Microsoft OneDrive
• Share or export your data only when you choose

TRACK YOUR LOANS

• Manage salary loans, cash advances, and everyday pautang
• Choose from 7 interest methods, including flat, diminishing, bank-style, and no interest
• Set 15/30 payday, monthly, weekly, or daily schedules
• Roll missed payments over to the next payday or extend the term
• Renew or restructure loans when circumstances change

DUES AND PAYMENTS

• See what's due today, this week, and this month
• Record “tubo lang” interest-only payments and move the principal to the next payday
• Track overdue loans, borrower names, and outstanding balances
• Track excess cash that needs to be returned to borrowers
• Keep payment histories organized

PDF DOCUMENTS AND RECEIPTS

• Generate PDF records of agreed loan terms for borrowers to sign on your screen
• Create PDF ledger statements showing current loan status
• View PDFs with pinch-to-zoom support
• Attach ID photos, payslips, and payment receipts

FUNDING SOURCES

• Track funds from savings, banks, or other sources
• See outstanding, collected, and available amounts for each fund

REPORTS AND CALCULATORS

• Review monthly amounts loaned, collected, outstanding, and overdue
• Check payment statuses and overdue age
• See top borrowers, collection rate, and interest earned
• Calculate loans with presets and detailed payment schedules
• Start with a budget and calculate a repayment term
• Compare interest methods side by side

PRIVACY AND SECURITY

• Work offline without an account
• Protect app access with a PIN or fingerprint
• Create and restore encrypted backups
• Store backups locally or use Google Drive and Microsoft OneDrive
• Scan receipts with on-device text recognition

Your records stay in your device's private storage. Cloud backup and restoration may require an internet connection. Your backup files are stored with the cloud service you choose.

MADE FOR THE PHILIPPINES

Designed around local pautang practices, including 15/30 payday cycles, “tubo lang” payments, and co-makers. All sample names are fictitious.

FREE TO START. PAY ONCE TO UNLOCK MORE.

The free plan includes every feature for up to 10 borrowers. Upgrade to Pautang Pro for a one-time payment of ₱399 to unlock unlimited borrowers.

No subscription. No monthly fees.

Your pautang. Your records. Your control.

Pautang Journal is a record-keeping tool, not a lending company. It does not offer, arrange, or facilitate loans, process or collect payments, or provide financial advice. It helps you document loans you've already made and track recorded payments.