PesoPilot
Money Missions

Money Basics & Source Library

Six tiny money habits to lock in before you deposit, lock-in, or spend: verify, learn, act. Each mission opens a real PesoPilot tool - finish one and you earn Strategy XP. Educational only; this is not financial advice.

Build a money game plan Simulate a Filipino money move and apply it to your Money Map.

Your Money Missions

0 of 6 done
  • Verify

    Verify a digital bank before depositing

    Check that the digital bank is BSP-licensed and PDIC-covered before you move money in.

    Open tool
  • Verify

    Check if your TD is PDIC-covered

    PDIC covers up to PHP 1,000,000 per depositor, per bank. Confirm your time deposit fits inside.

    Open tool
  • Learn

    Compare net interest after 20% withholding tax

    Advertised rates are gross. Compare NET return after the 20% final withholding tax before locking in.

    Open tool
  • Learn

    Spot a too-good-to-be-true rate

    If a "guaranteed" rate is way above bank deposit rates, treat it as a red flag - verify the entity is SEC-licensed.

    Open tool
  • Act

    Prepare for next sweldo

    Open Today to pre-allocate the next payday: bills, sinking funds, emergency fund, then the rest.

    Open tool
  • Act

    Review emergency fund liquidity

    Open Review to check if your emergency fund is still 3 months of essentials and stays in liquid accounts.

    Open tool
How to spot a too-good-to-be-true rate
  • If a "guaranteed" yield is well above PH digital-bank deposit rates, that is a red flag.
  • Confirm the entity is SEC-licensed via the SEC website before any deposit.
  • Bank-deposit products should be BSP-licensed and PDIC-covered up to PHP 1M per depositor, per bank.
  • Pressure tactics (limited slots, urgent windows, referral chains) are common scam signals.
Verify rates & safety - official PH sources

Rates and rules change often. Always confirm the live number with the source before depositing, borrowing, or investing.

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