How does Stash handle password-protected bank statement PDFs?

When you drop an encrypted PDF into Stash, your browser prompts for the password and decrypts the file strictly in your local device memory using PDF.js. Your password and raw statement file are never uploaded to any remote server or third-party cloud service.

How is Stash different from typical budgeting apps?

Most budgeting apps connect to third-party aggregators that ask for your online banking username, password, and OTPs. Stash never asks for your credentials. You add transactions manually or import monthly statements directly on your device without sharing passwords.

How does Stash comply with the Philippine Data Privacy Act of 2012 (RA 10173)?

Stash complies strictly with Republic Act No. 10173. You have sovereign rights over your financial records: zero data selling, zero behavioral advertising, on-demand structured data export (JSON/CSV), and instant permanent account deletion in Settings.

Are Philippine digital banks and Pag-IBIG MP2 supported?

Yes. Stash is pre-configured for Philippine banks and digital wallets—including Maya, SeaBank, GoTyme, Tonik, BPI, BDO, UnionBank, GCash—plus government savings programs like Pag-IBIG MP2. Digital bank interest rates, withholding taxes, and free transfer quotas are built in.

Does Stash automatically deduct the 20% Philippine withholding tax?

Yes. When calculating interest for supported digital bank savings accounts, Stash automatically factors in the standard 20% final withholding tax, while keeping Pag-IBIG MP2 earnings marked as 100% tax-exempt.

PHILIPPINE PERSONAL FINANCE•Zero bank logins

Your money is everywhere.Stash puts it in one place.

Track bank accounts, Pag-IBIG MP2, loans, and spending in one private dashboard — without giving Stash your banking passwords.

Free to useZero credential accessExports to CSV & JSON

THE PHILIPPINE 5-APP REALITY

Your money is scattered across five different apps.

Traditional bank for payroll. Digital banks for daily interest. E-wallets for QR payments. Government funds for tax-free compounding. Plus an auto or personal loan amortizing in the background.

✓

Zero guesswork: Eliminates opening multiple apps every payday just to calculate where you stand.

✓

True Double-Entry: Automatically factors in 20% BIR tax on digital banks and deducts amortized debt from assets.

Scattered SourcesCurrent Position

Commercial Payroll Account

Semi-monthly credit

₱32,450.00

High-Yield Digital Vault

6.00% APY (Net 4.80%)

₱45,200.00

Primary E-Wallet & QR Pay

Daily scan transactions

₱8,430.00

Daily Interest Digital Bank

4.50% Daily Compound

₱250,000.00

Auto Loan Amortization

Deducted Liability

-₱85,000.00

Stash Consolidated Real Net Worth

₱251,080.00

+₱28.4k this mo

ENGINEERED FOR PHILIPPINE PERSONAL FINANCE

Three financial truths standard apps miss.

Generic foreign budgeting apps don't calculate Philippine 20% withholding taxes, tax-exempt Pag-IBIG MP2 dividends, or loan amortization. Stash does.

REAL TAKE-HOME YIELD

Gross interest vs. what actually enters your pocket.

Philippine digital banks advertise 6% gross rates, but the Bureau of Internal Revenue (BIR) automatically deducts a mandatory 20% final withholding tax on cash interest.

💡 Pag-IBIG MP2 yields ~7.05% per annum and is 100% tax-free under Republic Act 9679. Stash accounts for both rules automatically.

Simulated Deposit₱50,000

Gross 6.0% Interest₱3,000/yr

20% BIR Withholding Tax-₱600

Actual Net Interest₱2,400/yr

ZERO-CREDENTIAL LEDGER WORKFLOW

Three simple steps to financial sovereignty.

No bank connection delays. No broken third-party credential scrapers. Just private, reliable wealth tracking.

Import e-Statements or Log

Drop in your password-protected PDF or CSV bank e-statements, or log records manually in seconds.

Local in-memory parsing with zero bank logins or credentials.

Auto-Sanitize & Categorize

Transactions are automatically normalized and categorized directly on your device.

Merchant names, BIR tax deductions, and transfers categorized offline.

Consolidated Net Worth

Get an instant, sovereign view of your Philippine net worth, daily digital bank interest, and loan amortization.

Double-entry balance sheets with zero spreadsheet headaches.

DATA PRIVACY & SOVEREIGNTY (RA 10173)

Your financial data stays strictly yours.

Stash never connects to credential scraping aggregators, sells financial profiles, or asks for your banking passwords.

Zero bank passwords

Stash never asks for your online banking passwords, MPINs, or OTPs. Your accounts stay strictly under your personal control without risky scraping integrations.

Private local parsing

Imported PDF statements are decrypted and parsed directly inside your browser memory via WebAssembly. Raw files are never uploaded to remote ad servers.

100% data portability

Export your entire double-entry transaction history, digital vaults, and net worth trajectory to CSV and JSON at any time with one click.

CLARITY & SOVEREIGNTY

Frequently asked questions.

Everything you need to know about pricing, platforms, encrypted PDFs, privacy, and Philippine banking.

Stash processes bank statements directly on your device (client-side), keeping cloud computing and server infrastructure costs very low. The project is maintained as a community-driven tool and supported by voluntary user tips via GCash and Maya. We never sell your financial records or push affiliate ads.

Stop opening six apps to understand your money.

Get a single, sovereign view of your Philippine bank accounts, MP2 dividends, loans, and real net worth today.

Your money is scattered across five different apps.

Traditional bank for payroll. Digital banks for daily interest. E-wallets for QR payments. Government funds for tax-free compounding. Plus an auto or personal loan amortizing in the background.

✓

Zero guesswork: Eliminates opening multiple apps every payday just to calculate where you stand.

✓

True Double-Entry: Automatically factors in 20% BIR tax on digital banks and deducts amortized debt from assets.