SLVP Software / Tigumi
Know if you can pay this payday.
Tigumi sorts every loan, credit card, bill and allowance by which sweldo covers it. Open it on payday and see what's due, who to pay and what's left for ipon. No more adding it all up in Notes.
Free on iPhone and Android. Works offline. No app store, no account.
Due before the 10th
Example figures
Made for 3 to 6 loans at once
A cashflow answer, not another spreadsheet.
Most of us track utang in Notes or a sheet and still aren't sure on payday. Tigumi does the math before you open it.
Kinsenas view
Everything grouped by your 1st and 2nd payday. Set your own payday dates.
Per-payday income
Two different sweldo amounts? Set each one and see what's left after each cutoff.
Lender totals
Three loans from the same app or bank show as one amount to pay this payday.
Real loan math
Reducing balance and add-on (5-6) computed correctly, plus credit card minimums.
Due dates up front
Every due date sorted by payday, so you never get hit with late fees.
Split bills
Put electric, water and allowances on one payday, or split them across both.
Private by design
Your utang is your business.
Tigumi has no account, no login and no server. Everything you enter stays on your own phone, protected by your phone's passcode and device encryption. We can't see it, sell it or lose it in a data breach.
Open Tigumi from its Home Screen icon so your data stays in one place, and export a backup in the Me tab every few paydays. Switching phones? Import that backup on the new one.
Getting Tigumi
Install it from your browser.
iPhone
Open tigumi.app in Safari, tap the Share button, then Add to Home Screen. Tigumi gets its own icon and works offline.
Android
Open tigumi.app in Chrome, tap the menu, then Add to Home screen or Install app.
Better together
Turn your real numbers into a game plan.
Tap "Play My Life in BayadEra" on your Tigumi dashboard to open BayadEra's My Life Mode with the sweldo and loans you already track. Your credit card becomes the Interest Slime, your housing loan the Castle Dragon. Try a payoff plan in the game before you try it with real pesos.
Questions about Tigumi
Is Tigumi free?
Yes. Tigumi is free with no subscription and no ads.
Is my data safe?
Your data never leaves your phone. Tigumi has no account and no server, so we never see your numbers. Your phone's passcode and built-in device encryption protect it. Export a backup now and then, because clearing your browser data also clears Tigumi.
Is Tigumi on iPhone?
Yes. Open tigumi.app in Safari, tap Share, then Add to Home Screen. It works offline and needs no App Store.
What loans does Tigumi support?
Reducing-balance loans like SSS, Pag-IBIG, bank and coop loans, add-on loans like 5-6, and credit cards. Loans from the same lender are grouped into one total.
How do I move my data to a new phone?
Export a backup file in the Me tab, copy it to your new phone, then use Import. There is no cloud sync, by design.