PesoPilot
PesoPilot Game Plans

Don’t just read about money. Build your game plan.

Mag-simulate ng praktikal na Filipino money moves, ikumpara ang options, at i-apply sa iyong Money Map.

Debt PayoffSnowball vs avalanche, real PH lendersOFW Padala AllocationHatiin ang padala sa bucketsHouse Down PaymentRent vs buy + DP fundTuition PrepIpon para sa enrollment
Emergency Fund LadderBuild 3–6 months, step by stepSoon
MP2 vs Digital vs T-BillsSaan ligtas mag-parkSoon
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.

Amount to deposit
₱
Term (lock-in)
Kailan mo baka kailanganin? (strategy check)
Emergency fund status
Para saan ang pera?
Top pick · pinakamataas na net
SalmonTime Deposit · 90-day
Magandang fit
₱1,134 net interest
~4.6% p.a. net · gross ₱1,418 − 20% tax · min ₱1,000
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₱1,134
180d₱2,663
360d₱6,312
  • 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.

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.

Coming next

Game Plans roadmap

Bawat plan: Learn → Simulate → Compare → Apply to Money Map → Track → Next Move. Saan ang pinakamataas na NET, ano ang ligtas, at ano ang akma sa emergency fund mo.

Time DepositLive

Lock the right term + bank, earn the highest safe net.

  • Net after 20% withholding tax
  • 30-day to 1-year lock-in
  • PDIC ₱1M per bank safety
  • Emergency-fund lock warning
Apply to Money Map Build my 90-day plan
Digital Savings vs Time DepositComing next

Match liquid digital savings vs locked TD on net yield.

  • Net after 20% tax both sides
  • No lock-in vs fixed term
  • Daily withdrawable liquidity
  • PDIC ₱1M per digital bank
Locked preview
MP2 vs Time DepositComing next

See if tax-free MP2 beats your bank TD long-term.

  • Tax-FREE dividend net edge
  • 5-year lock vs 1-year max TD
  • No early withdrawal liquidity
  • Sovereign Pag-IBIG safety
Locked preview
T-Bills vs Time DepositComing next

Use sovereign T-Bills to lock 91 / 182 / 364-day yield.

  • Net after 20% withholding tax
  • Lock until BTr maturity
  • Tradable on secondary market
  • Sovereign safety (BTr-issued)
Locked preview
Emergency Fund PlacementComing next

Place your 3-6 month buffer where it stays liquid + safe.

  • Net yield after 20% tax
  • Zero lock-in for true EF
  • Same-day withdrawable liquidity
  • PDIC ₱1M cap per bank
Locked preview
OFW Remittance AllocationLater

Split padala so family, EF, and growth each get a share.

  • Net peso after FX + fees
  • Mixed lock-in across buckets
  • Liquid family-budget bucket
  • Verified remittance channels
Locked preview
Debt Payoff vs SavingLater

Decide which peso to send: payoff or save first.

  • Debt rate beats net TD yield
  • No lock-in on extra payments
  • Liquidity drop vs saving option
  • Verified APR per PH lender
Locked preview
13th Month Pay PlanLive

Split 13th month between debt, EF, goals, and holidays.

  • Prorated 13th-month estimate
  • ₱90k tax-exempt cap, sobra lang ang may buwis
  • Auto-split: EF, utang, goals, Pamasko
  • Apply each bucket to your Money Map
Bonus Reset plan
Optimize my yield with the Time Deposit Yield OptimizerSqueeze more yield from TD/MP2/digital savings without breaking PDIC coverage. Best-rate TD ladder for your timing + amount MP2 + PERA tax-aware wrappers Auto-laddering plan to stay liquid + earning Compare digital banks vs MP2 vs RTB
Verify rates & safety — before you deposit
BSP — bank rates & statisticsPublished bank + policy ratesPDIC — deposit insurance₱1,000,000 per depositor per bankSEC — Check With SECConfirm an entity is licensedBureau of the Treasury — T-bills/bondsGovernment securities & auction rates
Money basics & source library