Walang utang na makakalimutan.

Yes. The free version covers 5 people in Utang plus one paluwagan, one hatian, one time deposit, one bank account, one credit card and one investment, and keeps 12 months of history. Judith Pro removes every limit for ₱299 a year.

Tap the bar on Home or in Gastos and type what you spent the way you would text it, like "jollibee 385 kahapon gcash". Judith reads the amount, the date, what it was for and where you paid from, and shows it to you before saving. Money that came in works the same way: "sweldo 25k bpi" or "+1500 refund shopee". Judith then shows what is left for the month. It works offline, and what you type never leaves your phone.

Yes. Add a card in Ipon with what you owe, the limit and the due day. Expenses you tag to the card are added to what you owe when you confirm, and paying it from your bank account lowers both balances in one step. Judith reminds you three days before the due date. What you owe is kept apart from your money in the bank.

Create a goal, like a Japan trip for ₱150,000 by December next year, and choose where the money sits: set aside inside one of your bank accounts, or as cash in a vault at home. Setting aside does not move any money. Judith simply shows how much of the account is set aside and how much is free, and never lets you set aside more than is there.

No. Judith is a listahan, not a wallet. You record what was lent, paid or deposited, and Judith does the math and the reminders. The actual money moves however you already move it: cash, GCash, bank transfer.

No account, no email, no password. Open the app and start listing. You can lock it with a PIN or your fingerprint or face if you want.

On your phone only. We have no server holding your utang or deposits, so we cannot see them and nobody else can either. In Settings, make a locked backup with a passphrase only you know and save it to Google Drive or iCloud, so you can bring your records to a new phone.

Only if you tell them. When you send a reminder, Judith opens your own messaging app with the text ready, and you decide whether to send it.

Taglish, English, Tagalog, Bisaya, Ilocano and Hiligaynon. Judith remembers which language you use with each person.

Finished records older than 12 months, like a fully paid utang or a completed paluwagan, move to an archive file on your phone that you can download anytime. Anything still owed or still running is never removed. Pro keeps all history in the app.

Anytime, in your Google Play or App Store subscriptions. Pro stays on until the end of the year you paid for, and your records stay with you either way.