LoanShark: Utang Tracker

loanshark

Contains adsIn-app purchases

About this app

Debt is not a spreadsheet. It's the 5-6 with a neighbour, the salary deduction
you find out about on payday, the cousin who said "next week" back in March.

LoanShark tracks both sides of it — what you owe, and what you're owed — and
puts a shark in charge of watching.

WHAT YOU OWE
Add a loan and LoanShark builds the amortization schedule for you: due dates,
running balance, and a reminder before each payment lands. No manual math, no
recomputing after a partial payment.

WHAT YOU'RE OWED
Most utang apps stop at your own debt. The Collections side tracks debtors,
receivables, and agreements, with nudges you can actually send without it
being awkward. This is where informal money goes missing, so it gets equal
billing.

SCAN THE RECEIPT
Logging a payment is the step everyone skips. Point the camera at a GCash or
InstaPay receipt, or a payslip deduction line, and the amount, date, and
reference fill themselves in. Text recognition runs on your phone — the photo
is never uploaded anywhere.

SHARKY REACTS
Paying four days early on a three-payment streak isn't the same as scraping in
two days late, and Sharky doesn't pretend otherwise. Every reaction is derived
from what actually happened, so it stays honest as your habits change. Clear a
loan and you'll know it.

YOUR DATA STAYS YOURS
No account. No sign-up. No server. Everything lives in a database on your
phone. Export a passphrase-encrypted backup whenever you want one, and keep it
wherever you keep things. LoanShark works with the network off.

FREE AND SHARKY+
Free covers three loans — enough to run your real life, not just to try it.
Sharky+ unlocks unlimited loans and collections, encrypted backups, bulk list
import, the Learn section, and Sharky's wardrobe. Subscribe monthly or
annually, or trade a single rewarded video for it. One ad, on one screen, only
if you tap it. No banners anywhere in the app.

Built in the Philippines, for how utang actually works.

What’s new

Your balance on the home screen. A widget that follows your theme and leads with what is due next.

"Legal ba 'to?" checks a loan's interest against the BSP ceiling, and answers in plain words.

Record an arawan pautang — the utang collected every day.

Typing an amount? The peso field now adds up, so the total is one the app can check.

Also: a first-launch walkthrough, a feed filter that keeps its place, a start date for repayments, and a calmer Reef Run.