Financial clarity for Filipinos
Your money,made Klaro.
Track expenses, plan ahead, and see the full picture — in one calm dashboard built around how Filipinos earn, spend, save, and grow.
- Earn
- Plan
- Spend
- Grow
Free to start · No credit card required
Why Filipinos Use KlaroPH for Financial Clarity
KlaroPH combines expense tracking, budgeting, salary estimation, loan planning, and financial calculators designed for Filipino households and workers. It helps users track expenses, manage budgets, and make everyday money decisions with practical financial tools built for the Philippines.
How KlaroPH works
One simple flow for your money.
Every part of KlaroPH follows the same four steps, so each peso always has a direction.
- Earn
Know what comes in.
Salary, side hustle, business, or allowance — log all the money coming in, so your plan starts from real numbers.
- Plan
Give every peso a purpose.
Set a monthly spending plan and goals before the money slips away — savings first, not leftovers.
- Spend
Track without the guilt.
See where your money goes, spot patterns, and stay within your plan. Clarity, not judgment.
- Grow
Build momentum.
Watch goals, savings, and financial health improve month after month.
Everything you need for financial clarity
Simple, powerful tools designed for every Filipino to track, plan, and grow.
Budget Clarity
Set a monthly spending plan and see what is left in each category at a glance.
Income & Expense Tracking
Record where your money comes from and where it goes, with clear monthly trends.
Goal Tracking That Motivates
Set financial goals and watch your progress build momentum.
Essential Financial Calculators (Free)
Salary calculator, 13th month pay and Loan estimator.
Financial Health
A simple check-in on how your savings, spending, and cash flow are holding up.
Klaro Insight
A short, plain-language observation about your month, based on your KlaroPH numbers.
Ask Klaro Beta
Talk to the numbers you already track.
Ask Klaro is a conversational way to understand the financial information in your KlaroPH account.
- Ask about your budget, spending, goals, and net worth in plain language
- Follow up naturally — compare months or dig into a category
- Explore “what if” scenarios, like a new loan, without changing your records
Ask Klaro can only answer using the financial information you track in KlaroPH. It explains your numbers — it isn't a financial advisor.
Clarity you can trust
Built on what you track
KlaroPH works with the income, expenses, budgets, and goals you record in your account.
Numbers you can check
Totals and budgets are calculated from your KlaroPH records — the AI explains them, it does not make them up.
Honest about its limits
Ask Klaro is in beta and only answers using what is in KlaroPH. It is not a financial advisor.
Free Financial Tools for Everyday Decisions
Try KlaroPH calculators before creating your account.
Popular financial calculators used by Filipino workers for payroll, borrowing, and salary planning.
Salary Calculator Philippines
Estimate monthly take-home pay using Philippine tax tables, SSS, PhilHealth, and Pag-IBIG contributions, with official government references and payroll context.
Loan Calculator Philippines
Estimate monthly amortization, total interest, and repayment planning for personal, car, and housing loans in the Philippines.
13th Month Pay Calculator Philippines
Compute simple or prorated 13th month pay using Philippine labor rules, salary basis, and months worked.
No signup required
Free vs Pro
Start free. Upgrade when you want more room to plan.
FREE PLAN
₱0
Free includes everything you need to start tracking.
Core
- 2 Active Goals
- Income Tracker
- Expense Tracker
- Monthly Budgeting (first 30 days only)
- 90-Day Analytics View
- Basic Charts
- Import CSV (Income and Expenses) — up to 2 imports only
- Ask Klaro (Beta) — 3 messages/day
- Klaro Insight — 1 per day
Financial Clarity Tools
- Salary Calculator
- 13th Month Pay Calculator
- Loan Calculator
PRO PLAN
₱99/month
Save more with annual: ₱999/year.
Core
- 20 Active Goals
- Income Tracker
- Expense Tracker
- Financial Health Insights
- Monthly Budgeting
- Unlimited History & Insights
- Export CSV (Income and Expenses)
- Import CSV (Income and Expenses)
- Advanced Charts
- Ask Klaro (Beta) — 30 messages/day
- Klaro Insight — 20 per day
Financial Clarity Tools
- Salary Calculator
- 13th Month Pay Calculator
- Loan Calculator
- Early Access to New Financial Tools
- Advanced Financial Metrics
Finally understand where your money goes.
Start building financial clarity today.
Get started today
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