Track Your Debts,
Not Your Stress
MyBayad helps you manage credit cards, loans, BNPL, and utang with an AI assistant that adapts to your emotional state. Track together with family, stay on top of due dates.
Total Debt
₱127,450
Next Payment
₱8,500
Gab says
AI Financial Ally
“Pay BDO first — highest interest at 3.5%/month. You'll save ₱847 in 6 months!”
Everything You Need to Get Debt-Free
Built specifically for Filipino families managing multiple debt types across different platforms.
All Debt Types
Track credit cards, personal loans, BNPL (GCash, BillEase), and even informal utang in one place.
Smart Reminders
Never miss a due date. Get reminders synced to Google Calendar with automatic event creation.
Progress Analytics
Visualize your debt-free journey with charts showing payoff progress and interest saved.
Family Sharing
Collaborate with household members. Share debts, split responsibilities, maintain transparency.
AI-Powered Insights
Gab, your AI assistant, analyzes spending patterns and suggests optimal payment strategies.
Privacy First
Your financial data stays private. No PII is ever sent to AI. Bank-level encryption throughout.
An App That Understands How You Feel
MyBayad adapts its interface and communication based on your emotional state. Because managing debt shouldn't add to your stress.
Control Mode
Master Your Finances
Default mode for active debt management. Clear metrics, actionable insights, and steady progress tracking.
Mode can be set manually or detected automatically based on your usage patterns
Meet Gab, Your Financial Ally
Gab is your AI-powered debt advisor. Ask questions in plain language, get personalized strategies, and receive emotional support when you need it most.
Privacy Protected
Your personal information never reaches AI servers. Only anonymized data is used.
Context Aware
Gab knows your debts, due dates, and financial situation for relevant advice.
Mode Adaptive
Gab adjusts its tone based on your emotional mode - supportive when needed.
Gab
Your AI Financial Ally
Santos Family
4 members
Maria
Managing 5 debts
Jose
Managing 3 debts
Ana
View only
Total Household Debt
₱245,000
Down 12% this month
Paid This Month
₱18,500
8 payments made
Manage Debt Together
Filipino families often share financial responsibilities. MyBayad lets you collaborate on debt management while respecting everyone's privacy.
Role-Based Access
Owners, Admins, Members, and Viewers. Control who sees and manages what.
Shared & Personal Debts
Mark debts as household-shared or keep them private. Full control over visibility.
Activity Feed
See when payments are made, debts are added, or milestones are reached.
Privacy Controls
Choose transparency levels per debt. Some things can stay private.
Loved by Filipino Families
Join thousands of Filipinos who are taking control of their financial future with MyBayad.
“Finally, an app that understands Filipino debt culture. Tracking my GCash loans and utang sa tindahan in one place is a game-changer.”
Maria Santos
Working Mom, Quezon City
“The emotional modes really help. When I'm stressed about bills, the app simplifies everything. No judgment, just helpful guidance.”
Juan dela Cruz
Freelancer, Cebu
“My wife and I finally have transparency about our debts. The household feature lets us work together without awkward conversations.”
Roberto Reyes
Business Owner, Davao
“Gab helped me realize I was paying the wrong debt first. Switching to the avalanche method saved me thousands in interest.”
Ana Garcia
Accountant, Manila
“The calendar sync is perfect. I never miss a due date now. My credit score has improved significantly since using MyBayad.”
Carlos Tan
OFW, Dubai
“As a single parent, managing multiple BNPLs was overwhelming. This app simplified everything and helped me create a payoff plan.”
Luisa Mendoza
Teacher, Batangas
10K+
Active Users
₱50M+
Debt Tracked
2,500+
Households
4.8/5
User Rating
Ready to Take Control of Your Debt?
Join thousands of Filipino families who are already on their path to financial freedom. Start tracking for free today.
Trusted by families across the Philippines