Philippines-first · Android · offline by design
You never log a transaction; you only set the rules.
Your bank and e-wallet notifications become a categorised ledger, parsed on your phone.
Pera is money. Plano is plan. The name is the whole product.
Watch one notification become a transactionNo Play listing yet, so no download button here. When there is one, it will be a real link.
You have sent ₱1,500.00 to JUAN D. via GCash.
- Amount₱1,500.00
- DirectionOut
- MerchantJUAN D.
- WalletGCash
- CategoryPadala
- ConfidenceHigh
None of this leaves the phone. There is nowhere for it to go.
01The pipeline
How it works
Five steps. You are involved in exactly one of them.
- 1
Explain
You are told what will be read, before any system screen appears.
- 2
Listen
Recognised notifications are read on the device, never uploaded.
- 3
Parse
Confident readings post themselves. The rest wait for one tap.
- 4
Link
Duplicates collapse, and moving your own money is not spending.
- 5
Enforce
Limits, goals and bills update the moment a transaction commits.
What each step actually does
- Explain. Before any system screen appears, the app tells you what Notification Access is for, what it will read, and what it discards. Every permission is skippable; skip it and the app falls back to manual entry rather than refusing to work.
- Listen. The listener runs continuously. Each notification from a provider it recognises is read on the device — never uploaded — and turned into a structured record: amount, direction, merchant, wallet, category, confidence.
- Parse. High-confidence readings are recorded automatically. Anything the app is unsure about waits in the Review Queue for a one-tap confirmation, and every correction you make becomes a rule that replays on future notifications.
- Link. A push and an SMS announcing the same payment are collapsed into one record. Moving money between your own wallets is detected as a transfer and excluded from both spending and income, so your own money does not look like expenditure.
- Enforce. Committed transactions update your limits, goals, bills and your Safe-to-Spend number in real time. The app notifies you when something you set a rule about happens, and stays quiet otherwise.
02The people
Who it is for
Three people, one app, no mode switches. Most readers are more than one of them.
The salaried kinsenas earner
kinsenas — paid twice a month, on the 15th and 30th, the second one also called katapusan
The second week of each half-month, when the money runs thin and nothing explains where it went.
Limits that reset on your real payday, not on the 1st.
The gig or informal-income worker
utang — money owed, tracked in both directions, to you and by you
No payroll summary exists. Your notification history is your income record.
Every incoming payment captured, and the week totalled honestly.
The e-wallet-heavy spender
padala — money sent home to family, a default category rather than an afterthought
Internal transfers make every app double-count, and no single place shows the whole picture.
Your own transfers detected, so they never read as spending.
The longer description
- The salaried kinsenas earner. Salary lands in a payroll bank account, part of it moves to GCash for daily spending, and rent, bills and padala cluster right after payday. PeraPlano gives you an income cadence tuned to a twice-monthly pay cycle, limits that reset on your real payday rather than on the first of the month, and a Safe-to-Spend number that understands how many days are left until the 15th.
- The gig or informal-income worker. Driver, freelancer, online seller, service provider. Income arrives irregularly through GCash, Maya or bank transfers, sometimes several small payments in a day. PeraPlano gives you automatic capture of every incoming payment, an irregular income cadence you can override, in-versus-out reporting that says whether a week actually netted positive, and loan tracking for the informal credit that bridges slow weeks.
- The e-wallet-heavy spender. Often the designated money person in the family. Daily life runs through GCash and Maya — load, transport, food delivery, online shopping, bills, padala to the province — across three or more apps at once. PeraPlano models multiple wallets properly, detects transfers automatically so a GCash-to-bank move is never counted as spending, and surfaces the quiet recurring subscriptions you forgot about.
03The ground
Why the Philippines
Six facts about Filipino money. No global competitor is built around all six at once.
- GCash and Maya are default rails for tens of millions.
- Push and SMS alerts for every debit and credit, without SMS permission.
- Twice-monthly pay is the rhythm, and monthly budgeting never fits it.
- Informal debt is everywhere, and it runs in both directions.
- Padala is a budget line, not an edge case.
- Android is the market, and the only place listening is possible.
Why each one matters
- E-wallet saturation. GCash and Maya are default payment rails for tens of millions of people. QR payments, send-money and buy-load are daily events, and every one of them emits a notification that can be read.
- Notification-rich banking. Philippine banks and digital banks send push or SMS alerts for debits and credits. Even a bank SMS surfaces as a notification from your default messaging app, which the listener can read without ever requesting SMS permission.
- A distinct pay rhythm. Salaried workers are paid kinsenas — twice a month, on the 15th and 30th. Budgeting apps built for monthly cycles never fit; PeraPlano treats the twice-monthly cadence as first-class.
- A distinct debt culture. Informal borrowing is everywhere: utang between friends and family, 5-6 lending, appliance instalments, salary loans, credit cards. PeraPlano tracks loans in both directions.
- Remittance flows. Padala is routine and budgeted, not an edge case, so it is a category the app ships with.
- Android dominance. The market is overwhelmingly Android, which is also the only platform where notification listening is possible at all. Android-only is a fit, not a compromise.
04The boundary
Nothing leaves your phone
This is architecture, not a policy promise.
- Notifications are read and parsed on the device.
- No account, no sign-in, no server copy of your ledger.
- Raw notification text is encrypted, kept 30 days, then purged.
The three sentences behind that
Raw notification text never leaves your phone. It is stored encrypted on the device with a 30-day time-to-live so you can always answer the question why did the app record this, and then it is purged.
This is architecture, not a policy promise. There is no account, no sign-in and no server copy of your ledger, so there is nothing on our side to hand over, to lose, or to be asked for.
Cloud backup of committed transaction records — structured fields, never raw text — is a planned paid feature and is opt-in. It does not exist yet.
Three roles behind this app are unfilled
PeraPlano is built by one person, and three things Philippine data-protection practice expects of an organisation handling personal data do not exist yet. There is no registered company acting as the Personal Information Controller. There is no appointed Data Protection Officer. There is no registration with the National Privacy Commission.
You are reading that here rather than finding it out later. Everywhere on this site where one of those identifiers belongs, the page prints a marker saying the value is required and missing, and a deployment that tried to publish a plausible-looking placeholder instead would refuse to start. An invented controller name or a made-up officer is worse than an admitted gap, because it reads as compliance to everyone who does not check.
This is survivable today for one reason: the app keeps your ledger on your phone and sends none of it anywhere, so there is no company-held copy of anyone's financial data for a controller to be responsible for. It stops being survivable the day cloud backup ships — which is why PeraPlano Plus is not offered for sale until all three exist.
If you are a Philippine privacy practitioner, a Data Protection Officer, or a lawyer who works on RA 10173, and this is the kind of gap you would rather help close than read about, write to the support address below.
Where to write
05The limits
What it is not
A money app that oversells itself is a money app you should not trust.
- Not a bank or an e-money issuer. PeraPlano never holds, moves or touches your funds. It observes and it plans.
- Not a financial advisor. It reports facts against rules you set. It does not recommend products, investments or credit.
- No ads and no data selling, ever. The intended business model is a subscription.
- No SMS permission, ever. Bank SMS is read as a notification from your messaging app, so the permission is neither requested nor needed.
- Not a bookkeeping tool. No invoicing, VAT, payroll or BIR features — gig workers are served as people managing personal cash flow, not as businesses.