Gumi Save

Welcome to Gumi Save!

When you open the app for the first time, you'll see the onboarding screen with the adorable Gumi piggy bank mascot holding a golden heart.

The speech bubble says "Need a hand? Check out the User Guide in Settings!" - that's this guide!

Components on this screen:

• Language Selector (EN / TL / CEB): Choose your preferred language - English, Tagalog, or Cebuano (Bisaya). You can change this later in Settings.
• Your Name: Enter your display name. This is how Gumi will greet you (e.g., "Hello, Gumi Friend").
• PIN: Create a secure 6-digit PIN to protect your data. You will need this PIN every time you open the app.
• Start Button: Tap this pink button to complete setup and enter the app.

Maligayang pagdating sa Gumi Save!

Kapag unang binuksan mo ang app, makikita mo ang onboarding screen na may cute na Gumi piggy bank mascot na may hawak na gintong puso.

Mga component sa screen na ito:

• Language Selector (EN / TL / CEB): Piliin ang iyong wika - English, Tagalog, o Cebuano (Bisaya).
• Your Name: Ilagay ang iyong pangalan.
• PIN: Gumawa ng 6-digit PIN para sa seguridad.
• Start Button: I-tap ang pink na button para magsimula.

Welcome sa Gumi Save!

Kung una nimong ablihan ang app, makita nimo ang onboarding screen nga adunay cute nga Gumi piggy bank mascot.

Mga component sa screen:

• Language Selector (EN / TL / CEB): Pilia ang imong pinulongan - English, Tagalog, o Cebuano (Bisaya).
• Your Name: Isulat ang imong ngalan.
• PIN: Paghimo og 6-digit PIN para sa seguridad.
• Start Button: I-tap ang pink nga button para magsugod.

The Dashboard is your home screen. It gives you a complete overview of your finances at a glance. You can see your budget summary, quick expense shortcuts, action buttons, envelope status, and today's transactions all in one place.

Ang Dashboard ay ang iyong home screen. Nagbibigay ito ng buong overview ng iyong pananalapi sa isang tingin.

Ang Dashboard mao ang imong home screen. Naghatag kini og tibuok nga overview sa imong pinansyal sa usa ka tan-aw.

Top Bar

• Hamburger Menu (three lines icon): Opens the slide-out side menu with additional features.
• Greeting: Shows "Hello [Your Name]" with a waving hand emoji.
• Lock Icon (top-right): Tap to lock the app. Useful for privacy.

Top Bar

• Hamburger Menu: Binubuksan ang side menu na may mga karagdagang feature.
• Greeting: Ipinapakita ang "Hello [Pangalan Mo]".
• Lock Icon: I-tap para i-lock ang app agad.

Top Bar

• Hamburger Menu: Mag-abli sa side menu nga adunay dugang nga mga feature.
• Greeting: Nagpakita og "Hello [Imong Ngalan]".
• Lock Icon: I-tap para i-lock ang app dayon.

Summary Card (Purple Gradient Box)

This is the main financial overview card at the top of the dashboard.

• Date Display: Shows the current date (e.g., "Apr 3, Fri").
• Budget Used Badge: Shows the percentage of your total budget used this period (e.g., "1% budget used"). Tap the "!" icon for details.
• Income: Total income(Include Borrowed (Utang)) for the current budget period. Shows "Borrowed (Utang)" amount separately when expanded.
• Expense: Total expenses(Exclude Credit (Utang)) for the current period. Shows "Credit (Utang)" amount separately when expanded.
• Savings: Total savings recorded.
• Balance (= amount): Net balance calculated as Income - Expense - Savings.
• "Tap to expand" / "Tap to collapse": Tap anywhere on the summary card to toggle between collapsed and expanded views. The expanded view shows additional details about Utang-related amounts.

Summary Card

Ito ang pangunahing financial overview card sa itaas ng dashboard.

• Petsa: Kasalukuyang petsa.
• Budget Used: Porsyento ng budget na nagamit.
• Income / Expense / Savings: Mga halaga para sa kasalukuyang budget period.
• Balance: Income - Expense - Savings.
• "Tap to expand": I-tap para makita ang mga detalye ng Utang.

Summary Card

Mao ni ang nag-una nga financial overview card sa ibabaw sa dashboard.

• Petsa: Kasamtangan nga petsa.
• Budget Used: Porsyento sa budget nga nagamit.
• Income / Expense / Savings: Mga kantidad para sa kasamtangan nga budget period.
• Balance: Income - Expense - Savings.
• "Tap to expand": I-tap para makita ang mga detalye sa Utang.

Four Main Action Buttons

These colorful buttons are your primary way to record transactions:

• Add Income (Green): Record money you received (salary, allowance, etc.).
• Add Expense (Pink): Record money you spent.
• Add Savings (Yellow): Record money you set aside for savings.
• Scan Receipt (Blue) online: Take a photo of a receipt to automatically extract and record the expense. This feature uses AI and requires an internet connection.

Apat na Action Button

• Add Income (Green): Mag-record ng kinitang pera.
• Add Expense (Pink): Mag-record ng ginastos na pera.
• Add Savings (Yellow): Mag-record ng itinabi na pera.
• Scan Receipt (Blue) online: Kumuha ng litrato ng resibo para auto-record. Kailangan ng internet.

Upat ka Action Button

• Add Income (Green): Pag-record sa nadawat nga kwarta.
• Add Expense (Pink): Pag-record sa nagasto nga kwarta.
• Add Savings (Yellow): Pag-record sa gitipig nga kwarta.
• Scan Receipt (Blue) online: Pagkuha og litrato sa resibo para auto-record. Kinahanglan og internet.

Envelopes Section

Shows up to 4 pinned envelopes from your budget categories. Each envelope card displays:

• Envelope Name & Icon: e.g., "Rice & Ulam" with a rice bowl emoji.
• Progress Bar: Visual indicator of how much of the budget has been spent.
• Spent Amount: Total amount spent in this category.
• Remaining Amount: How much budget is left.

Tap "View All" to go to the full Envelope tab for detailed budget information.

Envelopes Section

Nagpapakita ng hanggang 4 na pinned envelope. Bawat envelope card ay nagpapakita ng pangalan, progress bar, nagastos, at natitirang halaga.

I-tap ang "View All" para pumunta sa buong Envelope tab.

Envelopes Section

Nagpakita og hangtud 4 ka pinned envelope. Matag envelope card nagpakita sa ngalan, progress bar, nagasto, ug nahibilin nga kantidad.

I-tap ang "View All" para moadto sa tibuok Envelope tab.

Today's Transactions

At the bottom of the dashboard, you'll see all transactions recorded today.

• Total Spent: Shows the total amount spent today (e.g., "- P163 spent") in green text.
• Transaction List: Each transaction shows:
  • Envelope icon and name (e.g., "Pamasahe & Gas")
  • Time recorded (e.g., "07:32")
  • Amount in colored text (red for expense, green for income)
  • "Credit (Utang)" badge if the expense was marked as borrowed money

Mga Transaksyon Ngayon

Sa ibaba ng dashboard, makikita mo ang lahat ng transaksyon na naitala ngayon.

• Total na Ginastos: Kabuuang halaga ng ginastos ngayon.
• Listahan ng Transaksyon: Bawat transaksyon ay nagpapakita ng envelope icon, pangalan, oras, at halaga.

Mga Transaksyon Karon

Sa ubos sa dashboard, makita nimo ang tanan nga transaksyon nga na-record karon.

Add Expense / Income / Savings Screen - All Components

• Date & Time: Defaults to current date and time. Tap to change if you're recording a past transaction.
• Amount: Use the +P1, +P10, +P50, +P100, +P500, +P1k, +P5k, +P10k buttons to add to the amount. Tap C to clear.
• Select Envelope: Choose which budget category this transaction belongs to. Tap an envelope chip to select it (highlighted when selected).
• Credit (Utang) Toggle: Turn this ON if this expense was paid using borrowed money (utang). When enabled:
  • A "Select Utang" section appears showing your utang list (Sari Sari Store, Cousin, Friend, etc.)
  • Select who you borrowed from
  • This transaction will be tracked in the Utang tab
• Memo: Optional text field (max 100 characters) for notes about the transaction.
• Cancel / Save buttons: Cancel discards, Save records the transaction.

Add Expense / Income / Savings Screen

• Petsa at Oras: Default sa kasalukuyang petsa at oras.
• Halaga: Gamitin ang +P buttons para dagdagan ang halaga.
• Select Envelope: Pumili ng budget category.
• Credit (Utang) Toggle: I-ON kung may hiniram na pera.
• Memo: Opsyonal na text field para sa mga tala.
• Cancel / Save: Cancel para itapon, Save para i-record.

Add Expense / Income / Savings Screen

• Petsa ug Oras: Default sa kasamtangan nga petsa ug oras.
• Kantidad: Gamita ang +P buttons para idugang ang kantidad.
• Select Envelope: Pilia ang budget category.
• Credit (Utang) Toggle: I-ON kung may gihulam nga kwarta.
• Memo: Opsyonal nga text field para sa mga nota.

Envelope Tab Components

The Envelope system is based on the "envelope budgeting method" - you divide your income into different envelopes (categories) and only spend what's in each envelope.

• Manage Button (top-right): Opens Envelope Management to add, edit, pin, or delete envelopes.
• Budget Summary Header:
  • "Total Budget Usage (include utang)" - shows overall budget status
  • Used: Amount spent so far
  • Budget: Total budget across all envelopes
  • Left: Remaining budget
  • Progress bar showing usage percentage
• Envelope Cards: Each card shows:
  • Envelope name with emoji icon
  • Description of what the envelope covers
  • Spending percentage (e.g., "0% spent")
  • Budget amount and remaining amount
  • Expand arrow (v) to see transaction details

Default Envelopes: Rice & Ulam, Snacks & Bisyo, Pamasahe & Gas, Household Essentials, Monthly Bills, Rent / Bahay, For Biglang Gastos.

Envelope Tab

Ang Envelope system ay batay sa "envelope budgeting method" - hinahati mo ang iyong kita sa iba't ibang envelope (kategorya).

• Manage Button: Binubuksan ang Envelope Management.
• Budget Summary: Nagpapakita ng kabuuang budget status.
• Envelope Cards: Nagpapakita ng pangalan, paglalarawan, porsyento, budget at natitirang halaga.

Envelope Tab

Ang Envelope system gibase sa "envelope budgeting method" - gibahin nimo ang imong kita sa lain-lain nga envelope (kategorya).

Envelope Management

Access via the "Manage" button on the Envelope tab, or from Settings > Management > Envelope Management.

• Pin Icon: Pin/unpin an envelope to show it on the dashboard (max 4 pinned).
• Edit Icon (pencil): Edit the envelope name, budget amount, icon, and description.
• Delete Icon (trash): Delete an envelope. Transactions in this envelope are NOT deleted.
• "+ Add Envelope": Create a new custom envelope with your own name, budget, and icon.

Each envelope shows its monthly budget amount (e.g., "P6,000/mo").

Envelope Management

I-access sa pamamagitan ng "Manage" button o Settings > Management > Envelope Management.

• Pin Icon: Pin/unpin ang envelope para ipakita sa dashboard (max 4).
• Edit Icon: I-edit ang pangalan, budget, icon, at paglalarawan.
• Delete Icon: I-delete ang envelope.
• "+ Add Envelope": Gumawa ng bagong custom envelope.

Envelope Management

I-access pinaagi sa "Manage" button o Settings > Management > Envelope Management.

Utang Tab Components

The Utang tab helps you track all your debts (money you owe to people or stores).

• Manage Button (top-right): Opens My Utang List to manage people/stores you owe.
• Hulugan Summary Card (orange header):
  • "Your Hulugan this week" - shows the total payment amount due this week
  • Calendar icon with the current date
  • REMAINING: Total unpaid amount across all debts
  • TOTAL UTANG: Grand total of all debts
• Filter Tabs:
  • Active: Currently unpaid debts
  • Paid: Fully paid debts
  • All: All debts
• Debt Cards: Each person/store card shows their name, category (e.g., "Tropa"), total owed, amount paid, number of utang entries, and an option to add/edit a Hulugan Schedule.

When you have no debts, Gumi celebrates with "Utang-free! Cheers to a worry-free future."

Utang Tab

Ang Utang tab ay tumutulong sa iyo na ma-track ang lahat ng iyong utang.

• Manage Button: Binubuksan ang My Utang List.
• Hulugan Summary Card: Nagpapakita ng mga bayarin ngayong linggo.
• Filter Tabs: Active, Paid, All.
• Debt Cards: Bawat card ay nagpapakita ng pangalan, kategorya, kabuuang utang, bayad na, at Hulugan Schedule.

Utang Tab

Ang Utang tab nagtabang nimo sa pag-track sa tanan nimong utang.

My Utang List

Access via Utang tab > Manage or Settings > Management > My Utang List.

Manage the people or stores you owe money to.

• Each entry shows: Name, category in Tagalog (Tindahan, Pinsan, Kapitbahay, Tropa, Kasama sa trabaho), and action icons.
• Eye Icon: Toggle visibility - hide/show an entry in the utang selection when adding expenses. Greyed out = hidden.
• Bell Icon: Enable notifications for this utang entry.
• Edit Icon (pencil): Edit the name and category.
• Delete Icon (trash): Delete the entry.
• "+ Add Utang": Add a new person or store.

My Utang List

I-access sa Utang tab > Manage o Settings > My Utang List.

I-manage ang mga tao o tindahan na may utang ka.

• Eye Icon: Toggle visibility.
• Bell Icon: I-enable ang notifications.
• Edit / Delete Icons: I-edit o i-delete ang entry.
• "+ Add Utang": Magdagdag ng bagong tao o tindahan.

My Utang List

I-access sa Utang tab > Manage o Settings > My Utang List.

Hulugan Schedule - Complete Guide

A Hulugan Schedule is a payment plan for paying off your debts in installments. You can set this up for each person/store you owe.

Schedule Types:

• Weekly: Pay the same amount every week.
• Biweekly: Pay every two weeks.
• Monthly: Pay once a month.
• Manual: Choose specific dates and amounts yourself. Useful for irregular payment plans.

Components:

• Hulugan Schedule Selector: Choose Weekly, Biweekly, Monthly, or Manual.
• First Hulugan Date: The date of your first payment.
• Hulugan Amount: The amount per installment.
• Manual Mode: Select dates using a calendar picker and enter custom amounts for each date. A running total is shown. The app warns if "The sum of hulugan amounts must equal the total utang amount."
• Payment Alarm: Toggle ON to receive payment reminders.
  • Alarm Time: Set the time for the reminder notification.
  • Notify me: Choose when to be notified - "On due date", "1 day before", "2 days before", or "3 days before".
• Last Hulugan Date: Shows when the final payment is scheduled.

Scenario: Setting up a Hulugan Schedule

1. Go to the Utang tab and find the person/store card.
2. Tap "Add Hulugan Schedule" on their card.
3. Choose a schedule type (e.g., Weekly).
4. Set the first payment date and amount per installment.
5. Enable Payment Alarm if desired, set the alarm time and notification timing.
6. Tap Save. The schedule is now active!
7. On the Utang tab, you'll now see the Hulugan summary showing upcoming payments and the calendar will display payment dates with dots.
8. When a Hulugan schedule exists, the button changes to "Edit Hulugan Schedule" (green button).

Hulugan Schedule

Ang Hulugan Schedule ay isang payment plan para sa pagbabayad ng utang sa installment.

Mga Uri ng Schedule:

• Weekly / Biweekly / Monthly / Manual

Mga Component:

• Schedule Selector, First Hulugan Date, Hulugan Amount
• Payment Alarm na may Alarm Time at Notify me options

Hulugan Schedule

Ang Hulugan Schedule usa ka payment plan para sa pagbayad sa utang sa installment.

Dream Board

"Save for what matters most" - The Dream Board lets you set savings goals and track your progress toward them.

• Manage Button: Opens Dream Management to add, edit, or delete dreams.
• Progress Section: Shows how many dreams you've completed (e.g., "0 / 1 dreams completed") with a percentage badge.
• Dream Card: Each dream shows:
  • Dream name and description (e.g., "I phone" / "used iphone")
  • Saved amount and target amount (e.g., "P0 saved (0%)" / "P30,000")
  • Progress bar
  • "Your Dream Card has been issued!" - a special notification when you create a dream

When empty, Gumi encourages you with "Your dream journey starts here. Make your first Dream!"

Dream Management

• Edit Icon (pencil): Edit the dream name, description, and target amount.
• Delete Icon (trash): Delete the dream.
• "+ Add Dream": Create a new savings goal.

Dream Board

"I-save para sa pinaka-mahalaga" - Ang Dream Board ay nagbibigay-daan sa iyo na mag-set ng savings goal at i-track ang iyong progreso.

Dream Board

"I-save para sa pinaka-importante" - Ang Dream Board nagtugot nimo sa pag-set og savings goal.

Dream Card

When you create a dream, a beautiful Dream Card is automatically generated. This is a shareable motivational card featuring:

• Gumi Save branding with pig emoji
• Status Badge: Shows your stage (e.g., "JUST STARTED")
• Egg illustration: Represents your dream growing - it will hatch as you save more!
• Motivational message: e.g., "Good news: you have already started. Bad news: there is no bad news!"
• Progress info: Dream name, percentage, saved amount, and goal amount
• Hashtags: #GumiSave #MyDream #DreamsComeTrue
• Share Button: Tap to share the Dream Card image on social media or messaging apps.

Dream Card

Kapag gumawa ka ng dream, awtomatikong nalilikha ang isang magandang Dream Card. Ito ay isang shareable motivational card.

Dream Card

Kung maghimo ka og dream, awtomatiko nga nahimo ang usa ka nindot nga Dream Card.

Calendar Tab

View all your transactions organized by date. The calendar provides a monthly overview of your spending.

• Month Navigation: Use < and > arrows to navigate between months (e.g., "2026 April").
• Calendar Grid: Shows the month in a standard Sun-Sat format. Today's date is highlighted with a pink circle.
• Date Selection: Tap any date to see transactions for that day.
• Transaction List (below calendar):
  • Shows date heading with total spent and item count (e.g., "Spent P163, 3 items")
  • Each transaction shows: envelope icon, name, time, Credit(Utang) badge if applicable, amount (red for expense, green for income), and an edit (pencil) icon
• Drag Up: You can drag the transaction list upward to hide the calendar and see more transactions.

When no transactions exist for a date, Gumi says "Zero expenses today! Keep it up."

Kalendaryo

Tingnan ang lahat ng iyong transaksyon na nakaayos ayon sa petsa.

• Month Navigation: Gamitin ang < at > arrows.
• Date Selection: I-tap ang anumang petsa para makita ang mga transaksyon.
• Drag Up: I-drag pataas ang listahan para mas maraming makita.

Kalendaryo

Tan-awa ang tanan nimong transaksyon nga na-organisa pinaagi sa petsa.

Side Menu (Hamburger Menu)

Access by tapping the three-line icon (hamburger menu) at the top-left of any screen.

Menu Items:

• Profile Section: Shows your name and "Welcome to Gumi Save" with the Gumi avatar.
• Support Us online: Support the development of Gumi Save.

UTILITY BILLS

• Rate Info online: View and update utility rate data. Rates can be refreshed from the server without app update.
• Bill Calculator: Calculate your electricity/water bill.
• Bill Estimator: Predict your upcoming bill using AI.
• Billing History: View past bill calculations.

ANALYTICS

• AI Coach online: Get personalized financial coaching from AI.
• Report: View spending reports and analytics.

EXTRA FUN

• Daily Swerte online: Get your daily fortune/horoscope.
• Palad Guide online: Palm reading using AI and camera.

SETTINGS & LEGAL

• Settings: App settings and management.
• Privacy Policy web: Opens in browser.
• Terms of Service web: Opens in browser.

SUPPORT

• User Guide web: This guide!
• E-mail web: Contact support via email at kawkaw.app@gmail.com.
• Facebook Club web: Join the Gumi Save Facebook Group - share tips, ask questions, and give feedback to the community.
• KawKaw.dev web: Developer website.

At the bottom: "Gumi Save v2.0.1" - current app version.

Side Menu

I-access sa pamamagitan ng pag-tap sa three-line icon sa itaas-kaliwa.

Kasama ang: Utility Bills (Rate Info, Calculator, Estimator, History), Analytics (AI Coach, Report), Extra Fun (Daily Swerte, Palad Guide), Settings, Privacy Policy, Terms of Service, User Guide, E-mail, Facebook Club, at KawKaw.dev.

Side Menu

I-access pinaagi sa pag-tap sa three-line icon sa ibabaw-wala.

Rate Info

View and update utility rate data used for bill calculations. Rate data is stored locally and can be refreshed from the server without updating the app.

• Last Updated: Shows when you last fetched rate data, and how many days have passed.
• Update Rates online: Tap to download the latest electricity and water rate data from the server. Requires internet connection.
• Update Recommendation: Electricity rates change monthly (recommended: every 30 days). Water rates change quarterly (recommended: every 90 days).
• Electricity / Water Toggle: Switch between viewing electricity and water provider information.
• General Notes: Shows overall rate data notes (e.g., which rates are official vs estimated, regulatory changes).
• Provider Cards: Each provider shows:
  • Provider name and region
  • Rate data date (e.g., "Rate as of: 2026-03")
  • Detailed notes about rate changes, sources, and warnings

Note: If you never tap "Update Rates", the app uses built-in default rates. After updating, the latest rates are cached locally and used for all calculations — even offline.

Rate Info

Tingnan at i-update ang rate data ng utility na ginagamit sa pagkalkula ng bill. Naka-store ang rate data sa lokal at maaaring i-refresh mula sa server nang hindi ina-update ang app.

• Update Rates online: I-tap para i-download ang pinakabagong rate data. Kailangan ng internet.
• Recommendation: Kuryente: i-update tuwing 30 araw. Tubig: tuwing 90 araw.
• Kung hindi ka nag-update, gagamitin ang default na built-in rates.

Rate Info

Tan-awa ug i-update ang rate data sa utility nga gigamit sa pagkalkula sa bill. Naka-store ang rate data sa lokal ug mahimong i-refresh gikan sa server nga dili mag-update sa app.

• Update Rates online: I-tap para i-download ang pinakabag-o nga rate data. Kinahanglan og internet.
• Kung wala ka nag-update, gamiton ang default nga built-in rates.

Bill Calculator

Calculate your electricity or water bill based on meter readings.

• Electricity / Water Toggle: Switch between electricity and water bill calculation.
• Select Provider: Choose your utility provider from the dropdown (e.g., "CEBECO I - Cebu Province (Rural)").
• Previous Reading / Current Reading: Enter your meter readings (e.g., 1200 and 1350).
• Usage Display: Automatically calculates usage (e.g., "150.0 kWh").
• Billing Month: Select the billing month (April, March, February).
• Calculate Button: Tap to compute the estimated bill.
• Estimated Bill Breakdown: Shows detailed charges:
  • Basic Charge, Generation Charge, Distribution Charge
  • Transmission Charge, System Loss Charge
  • Subsidy Charge, VAT (12%)
  • Total
• Save Record: Save the calculation to Billing History for future reference and for the Bill Estimator's Linear (History) model.

Bill Calculator

Kalkulahin ang iyong bill ng kuryente o tubig batay sa meter readings.

• Pumili ng provider, ilagay ang previous at current reading.
• I-tap ang Calculate para makita ang estimated bill.
• I-save ang record para sa Billing History.

Bill Calculator

Kuwentaha ang imong bill sa kuryente o tubig base sa meter readings.

Bill Estimator

Predict your upcoming electricity or water bill using AI models.

Prediction Models:

• RF / XGBoost: Uses machine learning based on your appliance inventory. Enter the number of each appliance and household details:
  • Air Conditioner, Refrigerator, Washing Machine, Television, Electric Fan, Rice Cooker, Light Bulbs, Water Heater
  • No. of Residents, Avg Temperature
• Linear (History): Uses your saved billing history records to predict future bills. Requires at least 2 records from the Bill Calculator. If not enough data, you'll see a message to start recording.

Result Display:

• Predicted Usage: Estimated bill amount and kWh usage.
• Key Factors: Shows which appliances contribute most to your bill (e.g., Refrigerator 42%, Rice Cooker 16%).
• Tip: AI provides energy-saving advice (e.g., "High temperature significantly increases AC usage. Consider setting AC to 26C to save up to 15% on electricity.").

Bill Estimator

Hulaan ang iyong paparating na bill gamit ang AI models.

• RF / XGBoost: Gamitin ang iyong mga appliances para mahulaan ang bill.
• Linear (History): Gamitin ang iyong nai-save na billing history.

Bill Estimator

Tagnaa ang imong umaabot nga bill gamit ang AI models.

Billing History

View all your saved bill calculations organized by month.

• Filter Tabs: All, Electricity, Water - filter by bill type.
• History Cards: Each card shows:
  • Month and year (e.g., "April 2026")
  • Provider name (e.g., "cebeco")
  • Bill amount (e.g., "P1,467.98")
  • Usage and meter readings (e.g., "150 kWh", "1200 -> 1350")
  • Delete icon (trash) to remove the record

This data is also used by the Bill Estimator's Linear (History) prediction model.

Billing History

Tingnan ang lahat ng nai-save na bill calculations.

Billing History

Tan-awa ang tanan nimong na-save nga bill calculations.

Report

View comprehensive monthly spending reports and analytics.

• Period Selector: Shows the current month range (e.g., "Apr 1 - Apr 30, 2026").
• Summary Cards: Three cards showing total Income, Expense, and Savings for the period, with sub-details for Utang amounts.
• Select Month Chart: Visual bar chart showing Expense, Savings, and Utang trends over the past 6 months. Tap a month to view that period.
• Category Breakdown: Spending breakdown by envelope category.
• Utang Summary: Summary of utang activities for the period.

Report

Tingnan ang buwanang spending reports at analytics.

Report

Tan-awa ang binulan nga spending reports ug analytics.

Daily Swerte (Daily Fortune) online

"Your daily fortune awaits" - Get personalized daily horoscope readings.

Profile Tab:

• Real Name: Optional. Your info is stored securely on your device.
• Birthday (required): Year, Month, Day dropdowns.
• Gender (required): Male, Female, or Other.
• Zodiac Sign: Optional dropdown (e.g., Aries, Taurus...).
• Birth Hour: Optional. AM/PM toggle with hour selector.
• Region / City: Optional dropdown.
• "Get Today's Fortune" Button: Tap to receive your daily fortune reading. Limited to once per day.

Bottom Tabs:

• Profile: Enter your birth details.
• Your Last Fortune: View your most recent fortune reading.
• Daily Alarm: Set a daily notification to remind you to check your fortune. Toggle "Enable Daily Alarm" and set your preferred time.

Daily Swerte online

Kunin ang iyong personalized daily horoscope.

• Punan ang iyong profile (birthday, gender).
• I-tap ang "Get Today's Fortune" para makuha ang iyong fortune.
• I-set ang Daily Alarm para sa araw-araw na paalala.

Daily Swerte online

Kuhaa ang imong personalized daily horoscope.

Palad Guide (Palm Reading) online

Get your palm read by AI! This fun feature uses your camera and AI to analyze your palm lines.

• Camera View: A dark screen with corner brackets showing where to position your palm.
• Flash Toggle: Top-right icon to turn flash on/off.
• Capture Button: White circle button at the bottom to take the photo.
• Instructions: "Point your palm at the camera" - hold your palm open and flat, facing the camera.

Note: This feature is limited to once per day. It uses AI (online) to analyze the palm image.

Palad Guide online

Magpa-palm reading gamit ang AI! I-point ang iyong palad sa camera at kumuha ng litrato.

Tandaan: Limitado sa isang beses bawat araw.

Palad Guide online

Pagpa-palm reading gamit ang AI! I-point ang imong palad sa camera ug pagkuha og litrato.

Settings - All Sections

Name

• Shows your display name with an edit (pencil) icon to change it.

Budget Period

• Budget Start Day: The day of month your budget period starts (default: 1). Useful if your salary comes on a specific date.

Touch ID & Face ID

• Use Biometric Authentication: Toggle to enable fingerprint or face recognition unlock instead of PIN.

Language

• Choose between English, Tagalog, and Bisaya (Cebuano). Selected language has a blue checkmark.

Theme

• System: Follow device theme.
• Light: Light mode.
• Dark: Dark mode.

Management

• Utility Rates online: View and update electricity/water rate data from the server. Opens the Rate Info screen.
• Quick Expense: Manage quick expense shortcuts (see below).
• Envelope Management: Manage budget envelopes.
• My Utang List: Manage people/stores you owe.
• Dream Management: Manage savings goals.

Settings

Mga section: Name, Budget Period, Touch/Face ID, Language, Theme, Management (Utility Rates, Quick Expense, Envelope, Utang, Dream), Safe & Secure.

Settings

Mga section: Name, Budget Period, Touch/Face ID, Language, Theme, Management (Utility Rates, Quick Expense, Envelope, Utang, Dream), Safe & Secure.

What is Facebook Connect?

Facebook Connect lets you link your Facebook account to Gumi Save. This is not the same as logging in — Gumi Save does not use Facebook as a login method. Your app PIN and local data work exactly the same whether or not you connect Facebook. It's simply a way to verify your Facebook identity so you can use extended features.

What is it for?

Connecting your Facebook account unlocks features that involve your Facebook network:

• Friends list: See which of your Facebook friends also use Gumi Save (coming soon).
• Event participation: Verify your identity for in-app events, challenges, and promotions.
• More extended features will be added in future updates.

We only get your name and email — nothing else. We will never post anything on your Facebook. Ever.

How to connect — Agreement Required

When you tap "Connect Facebook" in Settings, the app first checks whether you have already agreed to the latest Terms of Service and Privacy Policy. If you haven't, an "Agreement Required" popup will appear before proceeding.

What happens in the popup:

1. Two checkboxes are displayed — one for Terms of Service and one for Privacy Policy. Both must be checked to proceed.
2. You can tap "View" next to each item to read the full document before agreeing.
3. Once both are checked, tap "Agree & Continue" to save your agreement and proceed to the Facebook connection step.
4. Tap "Cancel" if you change your mind — nothing is saved and no Facebook connection is made.

What happens after you agree:

• Your agreement is recorded on our server with a timestamp and the version of each document you agreed to.
• This is a one-time step — you won't see this popup again unless we update the Terms of Service or Privacy Policy to a newer version.
• If the terms are updated in the future, you'll be asked to review and agree to the new version before connecting Facebook again.
• Your consent record is stored securely and cannot be modified or deleted — it serves as a legal audit trail.

What gets saved on the server?

When you connect Facebook, the following information is stored in our secure authentication system:

• Your Facebook user ID
• Your Facebook name
• Your email address (from Facebook)
• Your profile picture URL

That's it. None of your financial data (envelopes, transactions, utang, dreams) is sent to Facebook or stored differently because of the connection.

How to disconnect

You can disconnect Facebook anytime from the Settings screen. When you do:

• All your Facebook info is immediately and permanently deleted from our server — your Facebook ID, name, email, and picture URL are all removed.
• Your financial data stays exactly as it is. Nothing changes.
• You can always reconnect later if you change your mind.

Ano ang Facebook Connect?

Ang Facebook Connect ay nagbibigay-daan sa iyo na i-link ang iyong Facebook account sa Gumi Save. Hindi ito login — hindi ginagamit ng Gumi Save ang Facebook bilang paraan ng pag-login. Ang iyong app PIN at lokal na datos ay gumagana nang eksakto pareho kahit naka-connect o hindi ang Facebook. Ito ay simpleng paraan para ma-verify ang iyong Facebook identity para magamit mo ang mga extended features.

Para saan ito?

Ang pagkokonekta ng iyong Facebook account ay nagbubukas ng mga feature na may kinalaman sa iyong Facebook network:

• Friends list: Makikita mo kung sino sa mga Facebook friends mo ang gumagamit din ng Gumi Save (paparating na).
• Pagsali sa mga event: Para ma-verify ang iyong identity sa mga in-app events, challenges, at promotions.
• May mga dagdag pang extended features sa mga susunod na update.

Ang kinukuha lang namin ay ang iyong pangalan at email — wala nang iba. Hindi kami kailanman magpo-post ng kahit ano sa iyong Facebook. Kailanman.

Paano mag-connect — Agreement Required

Kapag pinindot mo ang "Connect Facebook" sa Settings, titingnan muna ng app kung sumang-ayon ka na sa pinakabagong Terms of Service at Privacy Policy. Kung hindi pa, may lalabas na "Agreement Required" popup bago magpatuloy.

Ano ang mangyayari sa popup:

1. May dalawang checkbox — isa para sa Terms of Service at isa para sa Privacy Policy. Pareho dapat na naka-check para makapagpatuloy.
2. Pwede mong pindutin ang "View" sa tabi ng bawat isa para basahin ang buong dokumento bago sumang-ayon.
3. Kapag pareho nang naka-check, pindutin ang "Agree & Continue" para i-save ang iyong pagsang-ayon at magpatuloy sa Facebook connection.
4. Pindutin ang "Cancel" kung nagbago ang isip mo — walang ise-save at walang Facebook connection na gagawin.

Ano ang mangyayari pagkatapos mong sumang-ayon:

• Ang iyong pagsang-ayon ay ire-record sa aming server kasama ang timestamp at bersyon ng bawat dokumento na pinag-sang-ayunan mo.
• Ito ay isang beses lang na hakbang — hindi na ito lalabas muli maliban kung i-update namin ang Terms of Service o Privacy Policy sa mas bagong bersyon.
• Kung mag-update ang mga tuntunin sa hinaharap, hihilingin ulit sa iyo na suriin at sumang-ayon sa bagong bersyon bago mag-connect ng Facebook.
• Ang iyong consent record ay naka-store nang secure at hindi maaaring baguhin o tanggalin — ito ay nagsisilbing legal na audit trail.

Ano ang nase-save sa server?

Kapag nag-connect ka ng Facebook, ang mga sumusunod na impormasyon ay naka-store sa aming secure authentication system:

• Ang iyong Facebook user ID
• Ang iyong pangalan sa Facebook
• Ang iyong email address (mula sa Facebook)
• Ang URL ng iyong profile picture

Iyon lang. Wala sa iyong financial data (envelopes, transactions, utang, dreams) ang ipinapadala sa Facebook o sine-save nang iba dahil sa connection.

Paano mag-disconnect

Maaari mong i-disconnect ang Facebook anumang oras mula sa Settings screen. Kapag ginawa mo ito:

• Lahat ng iyong Facebook info ay agad at permanenteng tatanggalin sa aming server — ang iyong Facebook ID, pangalan, email, at picture URL ay aalisin lahat.
• Ang iyong financial data ay mananatiling eksakto kung ano ito. Walang magbabago.
• Maaari ka namang mag-reconnect anumang oras kung magbago ang isip mo.

Unsa ang Facebook Connect?

Ang Facebook Connect nagtugot nimo nga i-link ang imong Facebook account sa Gumi Save. Dili kini login — dili gigamit sa Gumi Save ang Facebook isip paagi sa pag-login. Ang imong app PIN ug lokal nga datos mogana sa parehas nga paagi bisan naka-connect o wala ang Facebook. Kini simpleng paagi para ma-verify ang imong Facebook identity para magamit nimo ang mga extended features.

Para unsa kini?

Ang pagkonekta sa imong Facebook account nag-abli sa mga feature nga may kalabutan sa imong Facebook network:

• Friends list: Makita nimo kung kinsa sa imong mga Facebook friends ang naggamit usab sa Gumi Save (moabot na).
• Pag-apil sa mga event: Para ma-verify ang imong identity sa mga in-app events, challenges, ug promotions.
• Aduna pay dugang nga extended features sa mga umaabot nga update.

Ang imong ngalan ug email ra ang among gikuha — wala nay lain. Dili gayud kami mag-post og bisan unsa sa imong Facebook. Dili gayud.

Giunsa pag-connect — Agreement Required

Kung mopindot ka sa "Connect Facebook" sa Settings, susihon una sa app kung miuyon ka na sa pinakabag-o nga Terms of Service ug Privacy Policy. Kung wala pa, mogawas ang "Agreement Required" popup sa dili pa mopadayon.

Unsa ang mahitabo sa popup:

1. Duha ka checkbox ang makita — usa para sa Terms of Service ug usa para sa Privacy Policy. Kinahanglan pareho nga naka-check para makapadayon.
2. Mahimo nimong i-tap ang "View" sa kilid sa matag usa para basahon ang tibuok dokumento sa dili pa mouyon.
3. Kung pareho na naka-check, i-tap ang "Agree & Continue" para i-save ang imong pag-uyon ug mopadayon sa Facebook connection.
4. I-tap ang "Cancel" kung nagbag-o ang imong hunahuna — walay i-save ug walay Facebook connection nga himoon.

Unsa ang mahitabo pagkahuman nimo mouyon:

• Ang imong pag-uyon i-record sa among server uban ang timestamp ug bersyon sa matag dokumento nga imong giuyonan.
• Kini kausa ra nga lakang — dili na kini mogawas pag-usab gawas kung i-update namo ang Terms of Service o Privacy Policy ngadto sa mas bag-ong bersyon.
• Kung mag-update ang mga tuntunin sa umaabot, pangayoon ka pag-usab nga susihon ug mouyon sa bag-ong bersyon sa dili pa mag-connect og Facebook.
• Ang imong consent record naka-store nga luwas ug dili mahimong usbon o wagtangon — kini nagsilbi isip legal nga audit trail.

Unsa ang na-save sa server?

Kung mag-connect ka og Facebook, ang mosunod nga impormasyon naka-store sa among secure authentication system:

• Ang imong Facebook user ID
• Ang imong ngalan sa Facebook
• Ang imong email address (gikan sa Facebook)
• Ang URL sa imong profile picture

Mao ra na. Wala sa imong financial data (envelopes, transactions, utang, dreams) ang gipadala sa Facebook o gisave nga lahi tungod sa connection.

Giunsa pag-disconnect

Mahimo nimong i-disconnect ang Facebook bisan unsang oras gikan sa Settings screen. Kung buhaton nimo kini:

• Tanan nimong Facebook info dayon ug permanente nga wagtangon gikan sa among server — ang imong Facebook ID, ngalan, email, ug picture URL tangtangon tanan.
• Ang imong financial data magpabilin eksakto kung unsa kini. Walay mausab.
• Mahimo ka namang mag-reconnect inigma kung magbag-o ang imong hunahuna.

Gumi Save Widgets

Gumi Save offers 3 types of home screen widgets so you can access key features without even opening the app. Add them to your phone's home screen for instant access!

All widgets feature a semi-transparent Gumi avatar in the background and automatically sync with your app data. The widgets update whenever you add transactions, modify envelopes, or change your dashboard settings.

Gumi Save Widgets

Nag-aalok ang Gumi Save ng 3 uri ng home screen widget para ma-access ang mga pangunahing feature nang hindi binubuksan ang app.

Lahat ng widget ay may semi-transparent na Gumi avatar sa background at awtomatikong nag-sync sa data ng iyong app.

Gumi Save Widgets

Nag-offer ang Gumi Save og 3 ka klase sa home screen widget para ma-access ang mga nag-una nga feature nga dili na mag-abli sa app.

Tanan nga widget adunay semi-transparent nga Gumi avatar sa background ug awtomatiko nga nag-sync sa data sa imong app.

Widget Types

Widget	Size	Action
Envelopes Widget	Large (4x2)	Shows your dashboard envelopes with remaining budget at a glance. Tap to open the app. Displays up to 4 envelope rows with icon, name, and remaining amount.
Add Expense Widget	Small (2x2)	Opens the Add Expense form directly. Shows today's total spending amount in real time.
Scan Receipt Widget	Small (2x2)	Opens the Scan Receipt camera directly. Also shows today's total spending. online

Mga Uri ng Widget

• Envelopes Widget (Malaki): Ipinapakita ang mga envelope ng dashboard kasama ang natitirang budget. I-tap para buksan ang app.
• Add Expense Widget (Maliit): Binubuksan ang Add Expense form. Ipinapakita ang kabuuang gastos ngayon.
• Scan Receipt Widget (Maliit): Binubuksan ang Scan Receipt camera. Ipinapakita rin ang kabuuang gastos ngayon. online

Mga Klase sa Widget

• Envelopes Widget (Dako): Nagpakita sa mga envelope sa dashboard uban sa nahibilin nga budget. I-tap para ablihan ang app.
• Add Expense Widget (Gamay): Mag-abli sa Add Expense form. Nagpakita sa kinatibuk-ang gastos karon.
• Scan Receipt Widget (Gamay): Mag-abli sa Scan Receipt camera. Nagpakita usab sa kinatibuk-ang gastos karon. online

What It Shows

The Envelopes Widget gives you a real-time view of your budget envelopes directly on your home screen.

• Header: Displays "Envelopes · remaining" with a teal accent bar at the top.
• Envelope Rows (up to 4): Each row shows the envelope's emoji icon, name, and remaining budget amount (e.g., "Rice & Ulam P5,850").
• Motivational Quote: A rotating Filipino motivational message appears at the bottom in italics (e.g., "Kaya mo 'yan! Laban lang").
• Gumi Avatar: Your current Gumi avatar rank is displayed as a semi-transparent background watermark.

Note: The envelopes shown are the ones you've pinned to your Dashboard. To change which envelopes appear, go to Dashboard and manage your envelope display settings.

Ano ang Ipinapakita

Ang Envelopes Widget ay nagbibigay ng real-time na view ng iyong mga budget envelope sa iyong home screen.

• Header: "Envelopes · remaining" na may teal accent bar.
• Mga Envelope Row (hanggang 4): Bawat row ay may emoji icon, pangalan, at natitirang budget.
• Motivational Quote: Isang nakakatuwa na mensahe sa ibaba.
• Gumi Avatar: Semi-transparent na avatar sa background.

Paalala: Ang mga envelope na ipinapakita ay ang mga naka-pin sa iyong Dashboard.

Unsa ang Gipakita

Ang Envelopes Widget naghatag og real-time nga view sa imong mga budget envelope sa imong home screen.

• Header: "Envelopes · remaining" nga adunay teal accent bar.
• Mga Envelope Row (hangtod 4): Matag row adunay emoji icon, ngalan, ug nahibilin nga budget.
• Motivational Quote: Usa ka makadasig nga mensahe sa ubos.
• Gumi Avatar: Semi-transparent nga avatar sa background.

Pahinumdom: Ang mga envelope nga gipakita mao ang mga naka-pin sa imong Dashboard.

What It Shows

A compact widget designed for the fastest possible expense recording.

• Header: Green "+" icon with "Add Expense" label and a green accent bar at the top.
• Today's Spent: Shows your total expense amount for today in large bold text (e.g., "P0" or "P1,250").
• Motivational Text: "Gastos mo, hawak mo!" (Your spending, your control!) in green italics.
• "tap to add": Reminder text at the bottom. Tapping anywhere on the widget opens the Add Expense screen directly.

Tip: Place this widget on your main home screen for the fastest expense tracking - record a purchase in seconds right after you make it!

Ano ang Ipinapakita

Isang compact na widget na dinisenyo para sa pinakamabilis na pag-record ng gastos.

• Header: Berdeng "+" icon na may "Add Expense" label.
• Today's Spent: Ipinapakita ang kabuuang gastos mo ngayon sa malaking bold text.
• Motivational Text: "Gastos mo, hawak mo!" sa berdeng italics.
• "tap to add": I-tap kahit saan sa widget para buksan ang Add Expense screen.

Unsa ang Gipakita

Usa ka compact nga widget nga gidisenyo para sa pinakadali nga pag-record sa gastos.

• Header: Green nga "+" icon nga adunay "Add Expense" label.
• Today's Spent: Nagpakita sa kinatibuk-ang gastos nimo karon sa dako nga bold text.
• Motivational Text: "Gastos mo, hawak mo!" sa green nga italics.
• "tap to add": I-tap bisan asa sa widget para ablihan ang Add Expense screen.

What It Shows

Quick access to the AI-powered receipt scanner right from your home screen.

• Header: Camera emoji with "Scan Receipt" label and an orange accent bar at the top.
• Today's Spent: Shows your total expense amount for today in large bold orange text.
• Motivational Text: "Tipirin, tipirin!" (Save, save!) in orange italics.
• "tap to scan": Tapping anywhere on the widget opens the camera for receipt scanning.

Note: This widget requires an internet connection to process scanned receipts, as it uses AI to extract transaction details. online

Ano ang Ipinapakita

Mabilis na access sa AI-powered receipt scanner mula sa iyong home screen.

• Header: Camera emoji na may "Scan Receipt" label at orange accent bar.
• Today's Spent: Ipinapakita ang kabuuang gastos mo ngayon sa malaking bold orange text.
• Motivational Text: "Tipirin, tipirin!" sa orange italics.
• "tap to scan": I-tap para buksan ang camera para mag-scan ng resibo.

Paalala: Kailangan ng internet connection para ma-process ang mga scanned receipt. online

Unsa ang Gipakita

Dali nga access sa AI-powered receipt scanner gikan sa imong home screen.

• Header: Camera emoji nga adunay "Scan Receipt" label ug orange accent bar.
• Today's Spent: Nagpakita sa kinatibuk-ang gastos nimo karon sa dako nga bold orange text.
• Motivational Text: "Tipirin, tipirin!" sa orange nga italics.
• "tap to scan": I-tap para ablihan ang camera para mag-scan og resibo.

Pahinumdom: Kinahanglan og internet connection para ma-process ang mga scanned receipt. online

Bottom Navigation Bar

The app has 5 main tabs accessible from the bottom navigation:

• Dashboard - Home screen with overview
• Utang - Debt tracking
• Envelope - Budget management
• Dream - Savings goals
• Calendar - Transaction calendar

Bottom Navigation Bar

Ang app ay may 5 pangunahing tab: Dashboard, Utang, Envelope, Dream, Calendar.

Bottom Navigation Bar

Ang app adunay 5 ka nag-una nga tab: Dashboard, Utang, Envelope, Dream, Calendar.

Multilingual Support

Gumi Save supports three languages:

• English - Default language
• Tagalog - Filipino national language
• Cebuano (Bisaya) - Visayan language

Change language anytime in Settings > Language or during onboarding.

Multilingual Support

Sinusuportahan ng Gumi Save ang tatlong wika: English, Tagalog, Cebuano (Bisaya).

Multilingual Support

Gisuportahan sa Gumi Save ang tulo ka pinulongan: English, Tagalog, Cebuano (Bisaya).

Hidden Surprises!

Gumi Save has 3 hidden Easter Eggs tucked away in the app! Can you find them all?

We won't tell you exactly where they are, but here are some hints to get you started:

Happy hunting! If you find one, try sharing it with your friends and see if they found the same ones.

Mga Nakatagong Sorpresa!

May 3 nakatagong Easter Egg ang Gumi Save! Mahahanap mo ba silang lahat?

Hindi namin sasabihin kung saan exacto, pero narito ang mga pahiwatig:

Masayang paghahanap! Kung nakahanap ka ng isa, i-share sa mga kaibigan mo!

Mga Natagong Sorpresa!

Adunay 3 ka natagong Easter Egg ang Gumi Save! Makit-an ba nimo silang tanan?

Dili namo isulti kung asa exacto, pero ania ang mga pahibalo:

Malipayon nga pagpangita! Kung nakit-an nimo ang usa, i-share sa imong mga higala!

Thank you for being part of the Gumi Save family!

Salamat sa pagiging bahagi ng Gumi Save family!

Salamat sa pagka-bahin sa Gumi Save family!