Waldazz

Log it as a spend. It takes five seconds.

1. Tap + Add (bottom right), then Spend.
2. Type the amount.
3. Tap a quick name (Coffee, Food, Groceries, Transport, Shopping) or type your own under What for.
4. Under Paid from, tap the account.
5. Tap Save.

Have the receipt? Tap the camera button beside + Add and snap it (hold the button to pick a GCash or Maya screenshot from Photos). Waldazz reads it on your phone and fills in the amount, the store under What for, and the date and time printed on it. Check them, pick the account, and tap Save. A faded receipt may not read: just type the amount.

Mark it paid, and the money comes off the account.

1. On Home, find the bill under Due soon (or open Schedule).
2. Tap the circle on its left.
3. Check the amount. Change it if you paid something different.
4. Leave Paid on as today, or tap it and pick the day you really paid.
5. Under Paid from, tap the account.
6. Tap Record.

Record it, so Waldazz knows the money landed.

1. On Home, find it under Due soon, or open Schedule.
2. Tap the circle on its left.
3. Change the amount if a different amount landed.
4. Under Received in, tap the account.
5. Tap Record.

Then record your Savings item the same way, before anything else.

Record what you actually paid. Nothing is left owing.

1. Tap the circle beside the bill (Home or Schedule).
2. Type what you actually paid. The planned amount is filled in, so change it.
3. Leave Keep … still due off. For a bill that repeats, like electricity, it starts off.
4. Tap Record.

Record what you paid and keep the rest due.

1. Tap the circle beside the bill (Home or Schedule).
2. Type what you actually paid.
3. Turn on Keep … still due. For a one-off bill it is already on.
4. Under Due on, pick when the rest is due.
5. Tap Record.

Everything can be undone.

1. On Home, scroll to Paid recently.
2. Tap Undo beside the payment, or Remove beside a spend.
3. Confirm.

Older than a week? Open the item, tap the payment under History, and change or delete it.

Alerts: what needs a look, and a few suggestions.

1. Tap the bell at the top right of Home.
2. Under Needs attention, tap a line to go where it’s fixed: record an overdue bill or move its date, record money that came in, update a balance, or renew an ID.
3. Under Suggestions, tap one to try it, or tap Not now to hide it for good.

The number counts what’s new since you last looked: red when something needs fixing, green when it’s only suggestions. Home’s Worth a look shows the first three; tap See all in Alerts for the rest. Two of the same spend on one day, and both are real? Tap Both are right.

Check in, so your streak keeps going.

1. After 6 PM, tap No spends today? Check in on Safe to spend, or No spends today on the evening reminder.
2. The flame beside your level turns orange: today counts.

Logging a spend checks you in too. One missed day a week is forgiven. Tap your level to see Your progress: streaks, the forecast health score and your medals.

Keep the receipt or confirmation with the payment.

1. Tap the circle beside the bill.
2. Tap + Add a receipt photo, then Snap receipt or From photos (a GCash or bank screenshot works).
3. Waldazz reads it on your phone: if you haven't changed the amount, it becomes the receipt's total, and Paid on becomes the date on it. The line under the photo says what it read. Check, then tap Record.

A long bill or both sides of a slip? Tap Add a photo for up to 5 photos. Forgot? Open the bill, tap the payment under History, and add it under Receipt. For a spend, open it and tap Edit. On a payment already saved, tap Use these to take the receipt's amount and date, then Save.

Mark it paid from the reminder, even on your Apple Watch.

1. On iPhone, touch and hold the reminder. On Apple Watch, scroll down it. On Android, pull it open.
2. Tap Mark paid (Mark received for income, Mark done for a transfer). A locked iPhone asks for Face ID first.

It records the planned amount from the bill’s account, paid today. Paid a different amount? Tap the reminder to open the bill instead. Not now? Tap Remind me in an hour (iPhone and Apple Watch).

Only that one date changes.

1. Open the bill: tap its name on Home, in Schedule, or in More → All items.
2. Under Coming up, tap the date.
3. Tap Skip this one, or tap Move date and pick the new date.

Changed your mind? Tap the date again, then Undo skip or Back to its usual date.

Pause it, and it drops out of your forecast.

1. Open the bill.
2. Tap Pause, then Pause again to confirm.
3. When it starts again, open it and tap Resume.

Dates that came round while it was paused are skipped, so they don't come back as overdue.

Edit it once and every future date follows.

1. Open the bill.
2. Tap Edit (top right).
3. Change the amount, the date or how often it repeats.
4. Tap Save.

Set it to what the bank says.

1. Tap Accounts, then the account.
2. Tap Update balance.
3. Type the balance your bank or e-wallet app shows. Overdrawn? Turn on Negative balance (−).
4. Tap Save balance.

Waldazz records the difference as an adjustment, so your forecast matches.

See today's BSP reference rate for 31 currencies.

1. Tap More, then Currency converter.
2. Pick the currency.
3. Tap To pesos and type the amount.

Rates are saved once they load, so it works offline after that.

It keeps going after the lock-in, at the new amount if it drops.

1. Tap + Add (bottom right), then Bill.
2. Type the amount and a Name, set the First due date, and under Repeats tap Monthly.
3. Under Ends, tap Lock-in, then keeps going, and set Lock-in payments (for example 12).
4. Will it drop after? Turn on The amount changes after the lock-in and type the Amount after the lock-in.
5. Tap Save.

Schedule shows “Payment 5 of 12 · lock-in”, and the bill stays in your forecast after the lock-in until you end it.

Duplicate it, then change only what’s different.

1. Open the bill, income, savings or loan.
2. Tap Duplicate.
3. Update the name, amount, dates and account.
4. Tap Save.

A second phone plan, a twin loan, another sibling’s tuition: done in seconds.

A transfer, not a spend: your total only changes by the fee.

1. Tap + Add (bottom right), then Transfer.
2. Type how much you moved.
3. Tap the account under From, then under To.
4. If there was a fee, type it in Transfer fee.
5. Leave Date as today and tap Save.

Plan the transfer. Nothing moves until you say so.

1. Tap + Add (bottom right), then Transfer.
2. Fill in the amount, From and To.
3. Set Date to the day you'll move it, and tap Save.
4. On the day, tap the circle beside it in Due soon, then Record.

To undo a transfer: More → All items → Transfers, tap it, then Undo transfer.

A Savings item with a goal shows your progress.

1. Tap + Add (bottom right), then Savings.
2. Type how much to set aside each time, and a Name.
3. Under Put into, tap your savings account, or + New savings account.
4. Under Repeats, tap Twice a month to save every payday.
5. Under Goal, type the Target amount. To aim for a date, turn on Reach it by a date and pick it.
6. Tap Save.

Move it, then count it toward the goal.

1. Tap + Add (bottom right), then Transfer.
2. Type the amount. From: where the money is now. To: the savings account.
3. Tap Save.
4. When it asks Count this toward …?, tap Count it.

Ipon challenges fill your alkansya, one hulog at a time.

1. Tap + Add, then Ipon challenge (or More, Ipon challenges, then Start a challenge).
2. Pick one: 52-week Pawikan, Bente Butanding (every ₱20 bill), 365 Maya, Anti-Waldas Agila (a no-spend week) or Your own target.
3. Under Where the hulog goes, pick your savings account, so each hulog moves money there, or A real alkansya to just keep count.
4. Tap Start the challenge.

One challenge at a time on the free version; run several with the full version.

Your hulog each round and your payout land on your schedule.

1. Tap + Add (bottom right), then Paluwagan.
2. Type your hulog each round and a name.
3. Set the number of Members and the First round date. Under Rounds, pick how often it goes round.
4. Under Your turn, tap the round when you take the pot.
5. Under Paid from and paid into, tap the account, then tap Save.

Send a polite reminder, in English, Taglish or Cebuano.

1. On Home, under Owed to you · late, tap Remind. Or open the loan and tap Send … a reminder.
2. Tap Gentle or Firm.
3. Pick Messenger, Viber or SMS.
4. Change the message if you like, then send it.

The message follows your app language: English in English, Taglish in Filipino, Cebuano in Cebuano. The loan shows when you last sent one.

On a loan with interest on the balance, it comes straight off the principal.

1. Open the loan.
2. Tap Pay toward principal.
3. Type the amount and pick the account.
4. Tap Record.

From the next hulog, interest is worked out on the lower balance.

Pay the balance and the interest due in one go.

1. Tap the circle beside the next hulog.
2. Tap Pay off in full.
3. Pick the account and tap Record.

Only paying the interest this time? Tap Interest only instead.

That month's interest is added to what you owe.

1. Open the loan and tap Edit.
2. Under Loan terms, tap Custom plan.
3. Tap + Payment holiday, and set how many months.
4. Tap Save.

Record each hulog with the day you really paid.

1. In the loan form, turn on Last payment free if all are on time.
2. Each month, tap the circle beside the hulog.
3. If you ticked it late, set Paid on to the day you paid.
4. Tap Record.

The loan shows whether the free payment is still earned.

Pay what you can, when you can.

1. Tap + Add (bottom right), then Borrow money (or Lend money if they owe you).
2. Type the amount and who it’s with, then tap Next.
3. Tap Whenever I can (or Whenever they can), and pick how often you’d like a reminder.
4. Tap Next until Save loan.
5. When you pay, open the loan, tap Record a payment, and type any amount.

The reminder says “Pay what you can”, and a month you skip is never overdue.

Like an SSS loan, or one your kasambahay pays off from their sweldo.

1. In the loan form, under Payments come from, tap Deducted from my salary (or Deducted from their salary).
2. Under Deducted from which pay?, tap the sweldo it comes off.
3. Tap Save.

That payday then shows what really changes hands, like “₱8,000 less ₱2,000 deducted”. Nothing moves in your accounts, and the balance goes down by itself.

See which loan it saves the most interest on.

1. Tap More, then Extra money.
2. Type the amount.
3. Read the loan marked Saves the most.

This is a calculation, not financial advice. Check with your lender first.

Read this month’s Tipid Tips: a new issue on the 1st of every month.

1. Tap the Tipid Tips banner on Home, or More → Tipid Tips.
2. Read the four tips, then tap the button under Try it in Waldazz to put one to work.
3. Want it on the 1st? Tap Remind me every month.

Earlier issues stay under Issues at the top. Turn the reminder off in More → Notifications. General tips, not financial advice.

Yes, tight or not yet, and why.

1. On Home, tap Can I afford it?
2. Tap Buy something.
3. Type the price, and set Buying on to the day you'd buy.
4. Read the answer. Tap Why to see every bill until your tightest day.
5. Not yet? Tap Try on the first day it fits, often right after sweldo.

Decided to buy? Tap Add it as a one-off expense.

See exactly which bills make it tight.

1. On Home, in the big card, tap Next payday (or End of month).
2. Tap Why? next to Tightest day before then.
3. Read every bill and income until then, with what you'd have left after each.
4. Tap What if I move a bill? to try a new date.

Check every bill is still covered.

1. On Home, tap Can I afford it?
2. Tap Sweldo is late.
3. Under Which income?, tap it. Under How late?, pick from 3 to 30 days.

Nothing is saved: it's only a what-if.

See what it does before you ask for more time.

1. On Home, tap Can I afford it?, then Move a bill.
2. Under Which bill?, tap it, and set Pay it on.
3. To make it stick, open the bill, tap the date under Coming up, then Move date.

Each paycheck pays the bills until the next one.

1. On Home, tap the Next sweldo card (or More → Paycheck planner).
2. Read what each sweldo covers and what's left.

Insights shows it in charts.

1. Tap Insights.
2. Tap a month in the six-month chart at the top to open it.
3. Scroll to Spending through the month to compare with last month, and Your loans, month by month to see the last hulog.

Change it any time, even after saving.

1. Open the spend and tap Edit.
2. Under Category, tap the right one, for example Groceries, Eating out, Fun, Pets or Wages.
3. Tap Save.

Nothing picked? Waldazz guesses from the name (Jollibee is Eating out, a kasambahay’s sweldo is Wages) and shows its guess.

Their work days and paydays, set once.

1. Tap More, then Household staff, then Add staff.
2. Type their name and Pay each payday, and pick their Role.
3. Pick how they’re Paid (for example twice a month) and the First payday.
4. Under Work days, tap the days they work.
5. Tap Save.

Already have their sweldo as a bill? Open it and tap Set up as household staff.

Waldazz works out what to hand over.

1. On payday, tap the circle beside their pay (Home or Schedule).
2. Type the days they were Absent and any Extra days.
3. Check To hand over: loans and cash advances are already taken off.
4. Tap Record.

A day’s pay is their pay divided by the work days in that pay period.

It comes off their paydays by itself.

1. Open them in More → Household staff (or open their sweldo).
2. Tap Give a cash advance. Their name is already filled in.
3. Type how much.
4. Spreading it out? Under Repayments, tap 3 months, 6 months or 12 months. Charging interest? Set a rate under Loan terms; leave it blank for none.
5. Tap Save.

₱30,000 over 12 months on a 15th-and-30th sweldo is 24 paydays of ₱1,250, each on one of their paydays.

Paid leave costs nothing; unpaid leave counts as absent.

1. Open their sweldo.
2. Tap + Add leave.
3. Tap Paid leave or Unpaid leave, and set From and To.
4. Add a Note, like “In lieu of covering 12–15 Oct”.
5. Tap Save.

Unpaid leave fills in Absent on that payday by itself.

Pick, plan the draws, see the cost, and save, one step at a time.

1. Tap More, then Lotto.
2. Tap your game, for example Lotto 6/42. Playing several? Tap Play more than one game (or All 6-number games) under the list, tick them, then tap Next.
3. Tap Lucky Pick for random numbers, My own numbers to choose them yourself, or My saved numbers.
4. Your own numbers: tap them on the number board, and tap one again to take it off (for 3D, 4D and 6D, one digit in each row). Add another line for another bet. Lucky Pick: tap how many bets, and Shuffle for others.
5. Tap Next, then pick How many draws? (up to 6). The dates it plays show below.
6. Tap Next, check the lines, price and total, then tap Save ticket.

Like a line? Tap ☆ beside it to keep it in My saved numbers.

Waldazz doesn’t buy tickets: this list is for tickets you bought yourself at a PCSO outlet. Sign the back of your paper ticket and keep it safe. Waldazz’s list is a reminder and a spending log, not proof the ticket is yours. PCSO pays the holder of the signed ticket who shows two government IDs.

Log each bet as a spend, under Gambling.

1. In Lotto, tap My tickets.
2. Find the bet and tap Log … as a spend.
3. Tap the account you paid from.

Your matches light up on your phone.

1. In Lotto, tap My tickets, then a draw on a ticket.
2. Tap Get results (needs mobile data or Wi-Fi), or type the winning numbers and tap Check.
3. Read the matches and the prize. With several bets, Waldazz says how many won and what each pays, for example “2 of your 5 bets won”. A win pops up with confetti; a jackpot shows how to claim it.
4. Under the winning numbers, Waldazz says which site they came from and when it read them (or that you typed them in). If nothing won, it reminds you to confirm on PCSO’s official results before you throw a ticket away; See the official results (PCSO) opens them.
5. Every winning bet also waits under Winning bets to claim at the top of My tickets.

Results come from lottopcso.com (the 6-number games, with what each prize paid) and GMA News (the digit games, and as a backup), not from PCSO, and can be late or wrong. Each result says which site it came from. Always check the winning numbers on PCSO’s official results before you celebrate or claim.

It stays on your list until you have the prize.

1. In Lotto, tap My tickets. Winning bets to claim is at the top.
2. Find the paper ticket by the draw date and line letter on each card.
3. Check PCSO’s official results.
4. Sign the back of your paper ticket, if you haven’t, and keep it safe. PCSO pays the holder of the signed ticket, so Waldazz’s list is a reminder, not proof the ticket is yours.
5. Take the signed ticket and two government IDs to the place the card names, before the Claim by date, a year after the draw.
6. Tap Claimed once the prize is yours (tap Undo if that was a mistake).

Where to claim, by the size of the prize: up to ₱10,000, any lotto outlet or PCSO branch office; ₱10,001 to ₱300,000, a PCSO branch office or the main office; over ₱300,000, the main office (Sun Plaza, Shaw Blvd, Mandaluyong). Prizes over ₱10,000 are paid by cheque, less 20% final tax. Until PCSO posts the payouts, 4 and 5 numbers show “Up to” an amount, which can fall in more than one of those places, and 3 numbers “A small prize”.

Its tickets and results go. A spend you logged stays.

1. In Lotto, tap My tickets.
2. On the bet, tap Remove this bet, and confirm.

Turn on the OFW tools and use the money you’re paid in.

1. Tap More.
2. Under Where you are, turn on Are you based abroad?
3. Tap Currency and pick the money you’re paid in (for example Saudi riyal or UAE dirham). Already added accounts or bills in pesos? It opens Moving or coming home? instead: Convert everything at the BSP rate (or the rate you got), or back up and start fresh.

Easiest on day one: the first screen asks Are you based abroad? too. The currency is set once, so amounts never mix.

A padala, once or every month, with the fee.

1. Tap + Add (bottom right), then Padala home.
2. Type the Amount sent, who it’s To, and the Remittance fee.
3. Check They receive: Waldazz fills it in from the BSP rate. Change it to the rate you were given.
4. Under Sent from, tap the account, set the date and how often, then tap Save.

The amount plus the fee comes off your account.

Track what’s in it, the cost and when it lands.

1. Tap + Add (bottom right), then Balikbayan box.
2. Type the Shipping cost, What's inside, the Forwarder and the Tracking number.
3. Set Ships on, turn on Expected arrival and pick the date.
4. Tap Save. When it lands, open it and tap Mark it arrived.

Home shows how many days are left.

1. Tap More. Under Where you are, tap Set the date beside Contract ends.
2. Pick the day your contract ends.

Home shows “128 days before you go home”, and you get a reminder a month before.

For the day your wallet stays home. They open with Face ID.

1. Tap More, then My IDs, and unlock with Face ID.
2. Tap Add an ID. Under Front, tap Take photo.
3. When it asks Now the back, take the back too (or Skip).
4. Waldazz reads the photos and fills in which ID, the ID number, the expiry and Name on ID where it can. Check each one and fix anything it got wrong.
5. Tap Save.

The reading happens on your phone; the photos never leave it. They aren’t in backups, and most offices still ask for the card itself.

The number, expiry and CVV are a tap away, behind Face ID.

1. Tap More, then My cards, and unlock with Face ID.
2. Tap Add a card and pick Credit, Debit or Prepaid.
3. Take the Front and Back photos. Waldazz fills in the number, expiry, CVV, name, bank and hotline it can read. Check them.
4. Tap Save. To use it, open the card and tap Copy next to what you need.

Copied details clear from the clipboard after a minute. Lost the card? The hotline taps to call.

Copy it instead of digging for the card.

1. Tap More, then My IDs.
2. Tap the ID.
3. Next to the number, tap Copy, then paste it into the form.

The photos stay folded until you tap Show photos, every time you open an ID, a card or a vehicle, so nobody beside you sees them by surprise. Tap a photo to see it full screen; pinch or double-tap to zoom.

Get a reminder in time to book the renewal.

1. Open the ID in My IDs and tap Edit.
2. Turn on It expires and set Expires on.
3. Tap Save.

Waldazz reminds you two months and one month before. The list marks an ID Renew soon or Expired.

Keep the exam dates from the renewal receipt, with reminders.

1. Open your Driver's License in My IDs and tap Edit.
2. Under Medical exam windows, tap Snap the receipt. Waldazz reads the dates printed on it.
3. Check them, or tap Add an exam window and set the dates yourself.
4. Tap Save.

You get a reminder when each window opens, and two weeks before it closes.

Keep the OR and CR handy, and never miss the registration week.

1. Tap More, then My vehicles, and unlock with Face ID.
2. Tap Add a vehicle. Take a photo of the OR and the CR.
3. Type the Plate number. Waldazz reads the renewal dates from the OR, or suggests them from LTO’s usual schedule for the plate: tap Use these dates. Brand new? Turn on Brand new: the first registration lasts 3 years.
4. Under Insurance, add the Insurer and turn on Insurance expiry.
5. Tap Save.

Reminders come two months and one month before the registration and the insurance. LTO’s schedule is a guide: check your OR.

Amounts and dates stay the same.

1. Tap More, then Language.
2. Tap Filipino or Cebuano.

Waldazz follows your phone, or stays the way you like.

1. Tap More.
2. Under Appearance, tap Match phone, Light or Dark.

Lock Waldazz with Face ID or your fingerprint.

1. Tap More.
2. Under Privacy, turn on Lock with Face ID (or fingerprint).
3. Confirm with your face or finger.

Your data lives only on your phone.

1. Tap More, then Back up.
2. Pick where to save it: Save to Files (iCloud Drive), Google Drive, or email it to yourself.

Backups don't include receipt photos.

Bring everything across from your backup.

1. Install Waldazz on the new phone.
2. Tap More, then Restore from a backup.
3. Pick the backup file, then tap Replace.