Magkano ang pwede kong gastusin?
How much can I safely spend?
Your safe-to-spend today — after bills, utang due, and ipon — so you can say yes (or no) without guilt.
₱1,240safe to spend today
The Filipino money control centerEvery peso,
Every peso,
finally in focus.
PesoPilot shows how much you can safely spend, how long your money will last, and your next best move — built on real Philippine numbers, in plain Taglish.
- Free account
- No bank login
- Ready in ~30 seconds
SSS, PhilHealth, Pag-IBIG MP2, BIR tax table, PDIC, BSP, Bureau of the Treasury, and PH digital bank rates.
Ganito ang loob
Buong pera mo, sa isang tingin.
Cash, digital banks, MP2, stocks, crypto, utang, at goals — pinagsama sa isang Money Control Center. Makikita mo agad ang safe-to-spend, emergency runway, at ang susunod mong money move.
- Walang bank linking — ikaw ang naglalagay ng entries
- Safe-to-spend, runway, at net worth sa isang screen
- Payday reminders at milestone wins
Money Control CenterSample
Safe to spend today₱1,240after bills, utang due & ipon
Runway3.4 mogoal 6 months
Next paydayin 6 dayskinsenas
- GoTyme SavingsDigital bank₱42,500
- Pag-IBIG MP2Tax-free dividends₱18,000
- Credit cardUtang · 3% / mo−₱12,300
Next best movePay ₱3,000 extra on the credit card3%/month utang costs more than any savings account earns.
Sahod comes in. Bills, utang, and padala go out. And by katapusan, you’re asking — saan napunta ang pera ko?
PesoPilot answers three questions — every payday.
What the Money Control Center tells you
Gaano katagal aabot ang pera ko?
How long will my money last?
Your emergency runway in months, and how close you are to the 3–6 month safety net.
3.4 morunway · goal 6
Ano ang susunod kong money move?
What should I do next?
One clear next move, ranked by impact — pay the 3%/month card first, then grow idle cash.
Next moveranked for you
Para kanino ang PesoPilot?
Alin ka dito?
Every Filipino's money story is different. Start with the one that sounds like you.
“₱35K daw ang sweldo ko, pero bakit ₱30,474 lang ang dumating?”
₱4,526 a month goes to SSS, PhilHealth, Pag-IBIG and BIR tax. See exactly where.
“Padala nang padala. Kailan naman ako makakauwi nang may ipon?”
₱5,000 a month in Pag-IBIG MP2 grows to about ₱359,211 in 5 years, tax-free.
“Kailangan ko bang magbayad sa BIR? At magkano talaga?”
On ₱60K a month, the 8% option costs ₱37,600 a year vs ₱50,500 on graduated rates.
“Ako ang sumasalo sa lahat. Paano naman ako?”
Set a fixed padala, then build your own safety net first: 3 months of ₱20,000 expenses is ₱60,000.
“First sweldo ko! Saan ko ba dapat ilagay?”
A ₱20,000 first job takes home about ₱18,300. Start an emergency fund and MP2 before lifestyle creep does.
“Minimum lang ang kaya kong bayaran sa credit card.”
Paying ₱2,500/month on a ₱50,000 card takes 31 months and ₱27,497 in interest.
Money calendar
Ngayong Oktubre: ihanda na ang pera mo.
- Due on or before December 24
13th month pay is coming
Know your exact amount and plan it before Christmas spending decides for you. The first ₱90,000 is tax-free.
Compute my 13th month - Compare before you park your 13th month
Is your ipon earning enough?
Digital banks, MP2 and time deposits pay very different after-tax rates. Know where your money grows most.
Compare rates
How it works
Three steps. One calm money plan.
- 1
Add your money
Cash, GCash/Maya, digital banks, MP2, stocks, crypto, and utang — up to 5 entries free. No bank login needed.
- 2
Check in every payday
Log sweldo, bills, and padala in a minute. Your Money Map stays true to real life.
- 3
Follow your plan
See your Health Score and next best move. Premium turns it into a PH-specific 90-day AI plan.
Try it now · no signup
Start with one free tool.
Get a real answer in minutes — then keep it in your Money Control Center.
30 sec
Take-home pay
Your real sweldo after SSS, PhilHealth, Pag-IBIG, and BIR tax — per cutoff.
Try it free 2 minMoney Health Check
A 5-pillar score across savings, debt, and protection — and what to fix first.
Try it free 1 minUtang payoff plan
Your debt-free date, and the smartest order to clear cards and loans.
Try it free 2 minMoney Move o Mistake?
A quick game of real PH money situations. Test your money sense.
Try it freeTotoong numero, hindi hula
Money numbers every Filipino should know in 2026.
Computed with the same 2026 SSS, PhilHealth, Pag-IBIG and BIR rules our calculators use. Tap any number for the full breakdown.
- ₱26,543take-home on a ₱30,000 salaryafter SSS, PhilHealth, Pag-IBIG and withholding tax
- ₱250,000yearly taxable income that pays zero income taxabout ₱20,833 a month after contributions (TRAIN law)
- ₱90,000of 13th month and bonuses, tax-freeonly the amount above it is taxed
- ₱27,497interest on a ₱50,000 card, paying the minimum31 months to clear at ~3% a month
- ₱71,842₱1,000 a month in MP2 after 5 years₱60,000 saved + tax-free dividends
- ₱6,500a freelancer on ₱600K a year can save with the 8% optionvs graduated rates + 3% percentage tax
- ₱13,300/moSSS pension at a ₱20,000 salary credit and 30 yearsplus a 13th-month pension every December
- Ikaw?What are YOUR numbers?8 quick questions, a free snapshot and your next moves. No signup.Get my free snapshot
PesoPilot Premium
When you're ready for the full plan.
The free tools stay free. Premium adds an AI Advisor that turns your numbers into a step-by-step 90-day plan.
See what's in Premium- AI AdvisorA 90-day money plan built from your real numbers.
- Unlimited Money MapEvery account, investment, and utang — plus runway alerts.
- PDF reportsYour plan and simulations, emailed as a clean PDF.
Free money guides
Learn the move, then make it.
Hindi pa ready mag-sign up? Tips muna.
Practical sweldo-day tips and a heads-up when SSS, BIR, MP2 or digital bank rates change. Free, unsubscribe anytime.
Mga tanong ng Pinoy
Source-backed, not guesswork
Rates and rules come from BSP, Pag-IBIG, SSS, BIR, PDIC, and the Treasury — and we show our assumptions.
Your data stays yours
No bank logins. You choose what to track, and you can delete your account and data anytime.
Made in the Philippines
A ZenForge Technologies product. Educational tools — not financial advice; consult a licensed advisor for big decisions.
Your next payday can feel different.
Set up your Money Control Center in about 30 seconds. Free, and built for Filipinos.