LayaWise app icon featuring Wisey

LayaWise · Personal debt planner

Take control of your debts.
One payment at a time.

LayaWise helps you organize debts, stay ahead of due dates, and plan your next move — privately on your device.

Private by design · No account required · Works offline

Simple screens. Clear decisions.

Everything you need to understand your debts and plan what to do next.

YOUR DEBT JOURNEY

Your debt journey, made easier to understand.

LayaWise brings your debts, upcoming payments, payment fund, reminders, and next steps together — so you can focus on what matters now.

LayaWise app icon featuring Wisey

"Know where you stand. Plan what comes next."

01

Know where you stand.

Keep your debts, remaining balances, due dates, payment arrangements, and progress in one clear place.

My Debts
Personal Loan ₱18,400
Next payment · Aug 15
68% paid
Credit Card ₱7,250
Due · Sep 3
Upcoming 14 days
Payments needed ₱6,400
Payment Fund ₱4,000
Gap ₱2,400
You may need ₱2,400 more for the next 14 days.
02

See what your money needs next.

LayaWise looks at upcoming payments and your available Payment Fund so you can see whether you're ready for the days ahead.

03

Make your next move with context.

Compare your debts, plan where extra money could help most, and check a loan offer before committing to another payment.

"Focusing your extra payment here may help reduce your current debt pressure."

Loan Offer Calculator
Monthly payment ₱5,800
Total repayment ₱139,200
Extra cost ₱15,200
Payment period 24 months

ONE STEP AT A TIME

You don't have to fix everything today.

Start by understanding what you owe, what comes next, and what you can do from here.

One payment at a time.

Coming soon on Google Play