Bawat padala mo, may plano na.

Turning your income abroad into peso wealth

Every padala is hard-earned. The difference between an OFW who comes home to savings and one who starts over isn't how much they sent — it's how much they kept and grew. This free OFW planner helps you split your remittance, build a buffer back home, and turn overseas income into long-term peso wealth — all in accounts you can open and manage from abroad.

Where OFWs can grow money in the Philippines

Two of the best options are open to OFWs and can be managed online, anywhere in the world:

• Pag-IBIG MP2 — a voluntary, government-backed savings program that paid a 7.12% tax-free dividend for 2025. OFWs are eligible, contributions are flexible, and the 5-year term makes it ideal for money you won't touch. See the MP2 calculator and MP2 vs time deposit.
• High-yield digital banks — several PH digital banks pay 4–5% p.a., are PDIC-insured up to ₱1,000,000, and can be opened remotely. Ideal for liquid savings and your emergency fund. Compare the best digital bank rates.

Build an emergency fund back home first

Before investing, keep 3–6 months of your family's expenses in a liquid, insured account back home — so an emergency there never forces you to borrow or cut your own essentials abroad. See how much emergency fund you need, then project the rest with the free investment simulator.

Make every padala count

The biggest leak isn't remittance fees — it's lifestyle inflation at home. Set a clear split (family support, a savings/investment slice, and a buffer) and automate it, so growing wealth doesn't depend on what's left over. Use the planner above to size each slice, or set concrete targets with money goals.

Educational only — not investment or tax advice. MP2 dividends vary yearly and are declared by Pag-IBIG; digital bank rates change by promo. Confirm current terms with each provider before moving money.