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Guide

Bilog and Nukleo, explained

Bilog is an app for organizing payment details and shared expenses, with Nukleo for tracking personal finances. Both are available in the same app.

Records, not money movementBilog never holds, sends, or receives money, and it does not connect to your bank or e-wallet. You pay through your bank, e-wallet, or in cash, then record the payment in the app.
Create accountRead the FAQs

Two pathways, one account

Use Bilog for money that involves other people, and Nukleo for your own. Both run on the same account, so there is no second app and no second login.

  • With your circle

    Bilog

    Keep payment details, shared expenses, and settlement records organized.

    Read the Bilog guide
    A Bilog group's expense list: an Airbnb expense of 9,600 pesos split four ways with two shares Settled and two Pending, and a groceries expense paid by a member with a note that you owe 820 pesos.
    Sample dataEach person's recorded share of a group expense, and whether it is settled or still pending. View full size
  • For your everyday finances

    Nukleo

    Track spending, income, accounts, budgets, and savings.

    Read the Nukleo guide
    Nukleo's Personal view for October 2026: a circular calendar showing money in and out on each day, with monthly totals of 22,873 pesos spent, 30,500 pesos earned and a balance of 7,627 pesos.
    Sample dataYour personal tracking view: what came in and went out each day, with the month's totals. View full size

Explore the Orb

Your everyday shortcuts

Meet the Bilog Orb.

Interactive preview

What you can do in Bilog

Bilog to Nukleo, in one tap.

For the circle you share.

Payment details, shared expenses and settlement records, together.

More in Bilog

Tap a shortcut to explore what you can do.

Explore Bilog

What it looks like day to day

These examples use made-up names and amounts.

  • Ana pays for the barkada's lunch. She sends 1,200 pesos through GCash, then records it in Bilog and splits it. Each person's share shows as pending or paid.
  • Miguel pays rent. He saves his landlord's bank details once, so he never has to ask for them again, and he keeps a record of each month's payment.
  • Liza tracks her month. She records her allowance, groceries, and load in Nukleo, sets a food budget, and watches a savings goal grow.

Personal and shared, kept separate

Your personal Nukleo records stay private from other users. Joining a Bilog group or connecting with someone does not give them access to your personal ledger. Shared Ledgers, shared payment records, and payment details you deliberately publish have their own visibility rules.

Some things are shared on purpose. Linking with someone, or joining a group with them, does let them see the payment accounts you saved in Bilog, so they know where to pay you. The table shows who can see what, including the links you share.

Who can see what
WhatWho can see it
Your personal Nukleo records: entries, ledgers, accounts, budgets, savings goals and recurring itemsOnly you
Payments between you and a linked contactYou and that contact
A Bilog group's shared expensesThe group's members
Payment accounts you saved in BilogYou, people you are linked with, and members of Bilogs you are in
A Shared LedgerYou and the linked contacts you invite, once they accept
A payment account you share by linkAnyone with the link, for up to 30 days or until you turn it off
A proof link for a payment you sentAnyone with the link: that one payment, and its receipt if one is attached
An email invitation you sendAnyone with the invitation link: your name, the email address you invited, and the group's name if the invitation is to a group
Your personal invitation linkAnyone with the link, until it is used, closed or expires: your name or nickname, and your handle
A group's join linkAnyone with the link: the group's name and kind, the name and photo of the member who shared it, and the group's photo while the link works. Not who is in the group.
Your public profile pageAnyone who visits your handle's page: your name, nickname, handle and photo

Your data is stored in the cloud so it can sync across your devices. “Personal” describes who can see a record, not where it is stored. More in the Privacy Policy and the privacy FAQs.

Getting started

  1. Create an account with your name, email, a username (your handle), and a password, then confirm your email address. Or continue with Google, and claim your handle later from your Profile.
  2. Choose the pathway you need. Bilog is where you save contacts and log payments. Nukleo is where you track your own money. You can use either one or both, and switch between them from the navigation bar.
  3. Add your first record: log a payment to a contact in Bilog, or add an expense or income in Nukleo.

Bilog works in your browser and can be added to your home screen. See how to add it.

Keep reading

  • The Bilog guide: contacts, payments, groups, and receipts.
  • The Nukleo guide: accounts, budgets, savings, and Shared Ledgers.
  • FAQs: privacy, free limits, offline use, and your account.