Every cent you earn and spend matters.
Do you ever check your wallet or GCash and think, “Wait, where did it all go?” You are not bad with money. Nobody ever taught you to see it. Quarta records every peso in and out, so you finally know where it went.
You might be feeling this right now
We hear you. These are things people think and never say out loud.
“Where did my money go?”
Your paycheck came in just days ago. Now your wallet is almost empty and you cannot explain why. That confusion is heavy.
“Payday is so far away.”
It's the broke days again. You count coins, you skip things, and you quietly wonder who you can borrow from.
“I have no discipline.”
You tell yourself you are just bad with money. But you never had a clear picture to be disciplined with.
“How much do I owe, again?”
Salary loan, credit card, Shopee or TikTok pay-later. The amount keeps changing and you've lost track of the total.
You cannot manage what you cannot see.
The problem was never you. It was never being able to see your money clearly.
This is for you if…
And just as important, when it's not.
- You finish the month wondering where your paycheck went
- It's the broke days and payday is still far
- You treat yourself even when your money is almost gone
- You owe money (salary loan, credit card, Shopee or TikTok pay-later) and lost track
- You think you have no discipline with money
- You're a beginner and finance words feel scary
- You want Quarta to connect to your bank or GCash automatically
- You want investing or stock advice
- You don't want to type in anything. Quarta only knows what you record
I didn't know where my money went. Then I was buried in debt.
My paycheck would come in, and a few days later I honestly couldn't tell you where it went. Payday was still far away and I was already broke.
I told myself I had no discipline with money. And then it got worse. I kept buying things that weren't even in my budget. “Just this once.” Then again. Then again, until I was buried in debt.
The truth was simpler: I never wrote anything down. I couldn't see my money, so I couldn't manage it. And I was a total beginner who didn't understand finances.
So I made the tool I needed: a simple place to record every peso in and every peso out, with little explanations along the way. If you're starting from zero like I was, this is for you.
Va, maker of Quarta
The things we tell ourselves
Spending isn't the problem. Spending on autopilot is.
Even with ₱200 left until payday. You did work hard, but that ₱200 still has to last.
Said five times this week. That's ₱750 you never actually saw leave.
Spending ₱500 to “save” ₱200 is still spending ₱500.
Next payday already has a job to do: cover this one.
Not looking feels better today and costs more tomorrow.
Real. Tired people shop. It's just easier to forgive yourself when you can see the damage.
You're allowed to enjoy your money.
Quarta isn't here to take your treats away. Coffee with friends, a new shirt, a night out are part of a good life. It just helps you spend on purpose: you see what's left, you decide, and you enjoy it without the guilt or the surprise.
Before and after you can see your money
Same paycheck. Same life. The only difference is you can finally see it.
Every cent in. Every cent out.
This is the whole idea. When you record your money, you start to understand it. That is how you become financially literate.
Salary, side income, a gift. Write it down so you know what you really earn.
Food, Grab, bills, even the ₱20 snack. Small spends add up, so they count.
See exactly where it went, by category. No guessing, no more mystery.
Every cent you make and every cent you spend is important. Now you will know where it went.
What you get with Quarta
Not magic. Just a bestie who helps you see, remember and learn.
A clear picture
Savings, debts, bills and net worth, all in one place.
No surprise late fees
Quarta reminds you before bills, cards and installments are due.
Learn as you go
Made for beginners. Simple words, no jargon, with small explanations.
Super quick
Add a record in two taps. Works even with no signal.
Honest numbers
Borrowed money is not income, and paying off debt is not an expense. Quarta counts it the right way.
Private
Your records stay on your phone. PIN lock, and no bank link.
See your whole picture in one look
The first thing you see is what you have, what you owe and what is due. No more digging.
- Total savings and total debt
- Income and expenses this month
- Upcoming bills, so no surprises
See where every peso went
Food, Grab, Shopee. Your spending by category shows exactly where your money goes, so you can decide what to change.
- Spending by category, with percent
- Income by source (salary, side income)
- Month-by-month view
Face your debt, with a plan
Salary loan, credit card, Shopee or TikTok pay-later. Not sure of the exact amount? A best guess is fine, and you can fix it anytime. See how much is left and how much you have already paid. It is less scary when it is written down.
- A progress bar for every debt
- Credit cards and pay-later included
- Only the interest counts as an expense. What you pay toward the debt itself is shown separately
Never miss a due date
Meralco, water, internet, credit card. Quarta reminds you first, so late fees do not sneak up on you.
- Reminders 3 days before, 1 day before and on the day
- Cards and pay-later: update the amount whenever it changes
- See how many bills are left this month
Private, because it is your money
Your records stay on your phone. We do not upload them and we cannot see them.
Pay once. It is yours.
No monthly fee. Try it free first, and only pay if it helps you.
- 3-day free trial, everything unlocked
- Works offline
- Savings, debts, bills, cards, income and expenses
- PIN lock and password-locked backup
- Updates included
Got questions?
What is Quarta?
Quarta is a simple money tracker app for people in the Philippines. You record your income, expenses, savings, debts, bills, cards and pay-later (like Shopee and TikTok), and it shows where your money goes and what is due. It works offline on your phone and is a tracker and guide, not financial advice.
How much does Quarta cost?
Quarta is a one-time payment of ₱197 with no monthly fee. You can try it free for 3 days first.
Do I need internet?
Only once, to make your account and start the free trial. After that Quarta works offline, because your records live on your phone.
What happens after the 3 days?
Your records stay safe on your phone. You can still look at everything and save a backup. If you want to add and edit again, pay once and type in your license key.
How do I pay?
GCash. Scan the QR code in the app, send ₱197, then message me the reference number. I check it and send your license key to your email.
Is there a monthly fee?
No. It is ₱197, one time. Updates are included.
Do I have to record every single expense?
The more you record, the clearer your picture gets. Even a ₱20 snack counts. It takes two taps, and Quarta reminds you so you do not forget.
Does Quarta connect to my bank or GCash?
Never. Quarta only knows what you type in, so your real money stays safe.
What if I change phones?
Save a backup file (it has a password) on your old phone, then restore it on the new one. Your license comes with it.
Does it work on iPhone and Android?
Yes. Open Quarta in your browser and tap “Add to Home Screen”. No app store needed.
Is this financial advice?
No. Quarta is a tracker and guide that helps you understand your money. It does not give financial advice, and it cannot promise that your savings will grow or your debts will get paid. You still make the decisions.
Your next paycheck deserves to be seen
Start with the next cent you earn or spend. 3 days free, no payment needed to try.
Try free for 3 days