PesoPilot Game Plans

Money Move or Mistake?

8 totoong sitwasyon sa pera ng Pilipino. Basahin, magdesisyon, at alamin kung gaano ka-diskarte ang money sense mo. ~2 minuto lang.

Financial IQ score Streak combo Totoong lessons

Mga totoong money tools

Kalkulahin ang iyong sariling numero — ikumpara ang options at i-apply sa Money Map.

Time Deposit Game Plan

Magkano ang kikitain mo — net after tax?

Ilagay ang numero mo, i-compare ang options, at i-apply sa Money Map. Educational estimate lang ito.

Bago mag-lock: ang Pag-IBIG MP2 ay tax-free at kadalasang mas mataas kaysa TD — ikumpara muna

Amount to deposit

₱

Term (lock-in)

Kailan mo baka kailanganin? (strategy check)

Emergency fund status

Para saan ang pera?

Top pick · pinakamataas na net

UNO Digital BankBooster Time Deposit · 90-day

Magandang fit

₱986 net interest

~4% p.a. net · gross ₱1,233 − 20% tax · min ₱5,000

Best for: Pera na kaya mong i-lock nang ilang buwan para sa mas mataas na net.

Avoid if: Iwasan kung ito ang emergency money mo o baka bigla mong kailanganin.

Ranked options (90-day, P100K)

Net by term (same amount)

30d₱230

90d₱986

180d₱2,367

360d₱5,129

Promo o tiered ang rate — kumpirmahin ang tunay na rate at minimum sa provider.

I-add sa Money Map at i-track ang maturity date — i-review bago mag-renew.

Track this maturity

Unlock the full optimizerCompare lock-in risk, net return, emergency-fund impact, and your Money Map — plus AI explanation + PDF.

Indicative rates for an educational estimate only — not financial advice, not an offer, and not guaranteed. Interest shown is NET after the 20% final withholding tax. Rates change often and vary by promo/tier — confirm the live rate with the provider before depositing.

13th Month Game Plan

Magkano ang 13th-month mo — at saan ito dapat mapunta?

Ilagay ang buwanang BASIC pay (walang allowance/OT/COLA), i-compute, at hatiin nang tama. Educational estimate lang ito.

Gabay: kailan ito darating, paano kwentahin, at ang ₱90,000 tax-exempt cap

Buwanang BASIC pay (walang allowance / OT / COLA)

₱

Buwang nagtrabaho ngayong taon

Bagong hire o resignee? Piliin ang aktwal na buwan (prorated).

Iba pang bonus / benefits ngayong taon (optional)

₱

Isama para tama ang ₱90,000 combined tax-exempt cap.

Full-year 13th-month

₱20,000 est. 13th-month

Formula: BASIC ₱20,000 × 12 ÷ 12 · released on/before Dec 24 by law

Buong 13th-month + benefits mo ay tax-exempt (nasa loob ng ₱90,000 cap).

Saan ito dapat mapunta (₱20,000 after-tax estimate)

Emergency fund top-upBuuin muna ang runway bago gastusin — ito ang unang priority.₱7,50038%

Goals / sinking fundItabi para sa malalaking target (tuition, gadget, travel) — hindi mabubura ng holiday spend.₱6,25031%

Pamasko / holiday spendPlanadong holiday budget — para hindi mangutang ngayong Pasko.₱6,25031%

Simulan sa emergency fund top-up — i-apply ang plano sa Money Map at i-track.

Bonus Reset — gawing 90-day money plan ang 13th-monthWeek-by-week plan: patayin ang leak, buuin ang EF, at ilagay sa tama ang sobra — plus AI review.

Educational estimate lang ito — hindi exact payslip. Ang 13th-month + other benefits ay tax-exempt hanggang ₱90,000 (TRAIN law); ang sobra lang ang may buwis. I-confirm sa HR / payroll ang eksaktong amount at withholding.

Verify rates & safety — before you deposit

BSP — bank rates & statisticsPublished bank + policy rates PDIC — deposit insurance₱1,000,000 per depositor per bank SEC — Check With SECConfirm an entity is licensed Bureau of the Treasury — T-bills/bondsGovernment securities & auction rates

Money basics & source library