Save together.
In the open.
The paluwagan you already trust, now in one app. Everyone sees who paid, whose turn is next, and where the money is. Walang lihim.
Free to join · No spam · Be first when we launch in your barangay.
One group, one amount, everyone gets a turn.
A paluwagan is the savings circle Filipinos have run for generations. Paluwagan the app keeps the same simple idea, it just makes every step visible.
Gather your pamilya, katrabaho, or neighbors. Everyone agrees on one amount per round and how often to pay.
Each round, every member puts in the same amount. Each payment is logged and visible to the whole group.
Every round the whole pot goes to one member, until everyone has had a turn. You get back exactly what you put in.
Always know who paid, who's next, and where the money is.
Paluwagan doesn't hold or move your money, members send directly to each round's recipient. The app's job is to keep everything in the open so trust doesn't depend on memory or a paper notebook.
See every contribution the moment it's logged, no more chasing or guessing who's in for this round.
The payout order is set upfront and visible to all. Everyone knows exactly when their turn comes.
Every payment is confirmed and logged, visible to all members. Paluwagan shows the flow, it never holds your cash.
You get back exactly what you put in. A paluwagan is not an investment, there is no interest and no profit. Paluwagan is not a bank, wallet, or insurer. We say this plainly, and we'll always keep it that way.
Built with the people who've run paluwagan for years.
Reflections from early testers and long-time paluwagan organizers during our pilot. Paluwagan has not launched publicly yet.
Powered by Kabuhayan. A separate app, made for one thing.
Kabuhayan builds simple, trustworthy money tools for Filipino communities. Paluwagan is its dedicated app for savings circles, focused, uncluttered, and built to do this one thing well. Same team, same standards for keeping things transparent and safe.
Good questions, answered plainly.
Save together. In the open.
Be first to know when Paluwagan opens. Join the waitlist and we'll save a perfect slot for you.
Free to join · No spam · You get back exactly what you put in.