PH rates · Updated OCTOBER 2026SWELDO STRATEGIST · NO CARD NEEDED
Don't let inflation eat your savings.
See how Filipino-specific tools like MP2, PERA, FMETF, T-bills, insurance-linked plans, crypto exposure, and digital banks can work together across liquidity, taxes, risk, protection, and long-term growth.
Source-backed PH rates, dated
Educational only · No advice
PH-first · Sources cited
Free core tools
LIVE PROJECTION DEMO
See what ₱50k could become
₱50k start + ₱5k monthly · 20 years · FMETF, MP2, global ETFs
Year 20
₱3.41M
Total in
₱1.25M
Growth
+₱2.16M
This is just a preview. Illustrative only — returns are not guaranteed. Build your real projection in 30 seconds — no card needed.
Cycles every 5s · click pills to control
7.12%
MP2 rate
declared
5.00%
BanKo rate
top digital
P1M
PDIC cover
per bank
WHAT YOU GET
Compound growth engine
Worst, base & best case across 3 risk profiles
Bank rate comparison
BanKo, Tonik, MariBank, MP2, T-bills + more
Inflation stress test
See real purchasing power at 3%, 6%, 8% inflation
Tax optimization report
PERA credits + MP2 tax-free gains in exact pesos
Personalized PH strategy
FMETF, UITFs, MP2, SSS — allocation for your profile
Insurance-linked review
VUL, policy funds, charges, and protection needs checked separately
Local fit
Built for Filipino portfolios
Models MP2, FMETF, PERA, SSS, T-bills, digital banks, and local broker paths around real PH constraints.
OFW flow
Remittance-aware planning
Turns monthly support into clear buckets for liquidity, family goals, retirement, and long-term wealth building.
Rate view
Assumptions you can revisit
Keeps PH bank, MP2, PERA, and T-bill rate assumptions visible so your plan stays easy to update.
Tax edge
Tax-smart wrappers
Shows when PERA credits and MP2 tax-free dividends can improve after-tax outcomes before chasing higher yield.
Policy check
VUL and insurance-aware
Reviews Pru Life, Sun Life, and similar investment-linked plans by separating coverage, fees, and fund risk.
Simulation engine
Build your portfolio
LIVE
1. Start
Cash you can invest now
2. Habit
Monthly amount from income
3. Target
Optional peso goal
Starting capital
Cash you can invest today
P100K
P10KP5M
Monthly contribution
Automatic add-on from income
P5K / mo
P0P50K
Time horizon
How long the money can stay invested
20 yrs
yrs
1 yr40 yrs
Target goal (optional)Use a preset or type an exact peso goal
Risk profile
Why PesoPilot
They give a number
Generic calculators
No PH-specific context (MP2, PERA, T-bills)
No tax-after view
No insurance-linked review
Generic risk profiles
★ RECOMMENDED
We give you a plan
PesoPilot
Filipino-first: MP2, PERA, FMETF built in
Real net returns after BIR taxes
VUL/insurance fee audit included
AI insights tailored to your holdings
Great, but...
Financial advisors
₱3k–10k consult fee per session
Some push insurance products on commission
Hard to access for first-timers
Useful for complex estates
Start in 30 seconds. No credit card. No spam.
Run your first projection, see your real take-home pay, and decide if it's worth coming back. We'll never push you.
No signup. Just an email with a personalized peso roadmap.
We'll send 1 starter email + occasional PH money insights. Unsubscribe anytime — no spam, no shared lists.
How it works
01
Set your inputs
Capital, monthly contribution, time horizon, risk level, and optional goal.
02
Run the simulation
Compound growth engine models worst, base, and best case across 3 risk profiles.
03
Read your insights
PH-specific opportunities, risk warnings, MP2 vs bank comparisons, and tax strategies.
04
Execute the strategy
Allocation across MP2, FMETF, UITFs, digital banks, bonds, and insurance-linked review points.
PH rates snapshot
Updated October 2026
Government & tax-advantaged
Declared · auction · tax-credit assumptions
MySSS Pension Booster
Voluntary retirement
7.20%target p.a.
MP2 Pag-IBIG
Gov. savings
7.12%declared
RTB-32
Gov. bond
6.88%gross p.a.
T-bills 364D
Gov. bond
6.12%auction avg.
PERA tax credit
Tax credit
5.00%tax credit
Digital banks
PDIC-insured · More liquid
BanKo TODO
Digital bank
5.00%p.a.
SeaBank
Digital bank
4.50%p.a.
UNO Digital Bank
Digital bank
3.00%base p.a.
DiskarTech
Digital bank
4.00%p.a.
Tonik Stash
Digital bank
4.00%p.a.
Salmon
Digital bank
4.00%base p.a.
OwnBank Own It
Digital bank
3.80%p.a.
MariBank
Digital bank
3.25%p.a.
Maya Savings
Digital bank
3.50%base p.a.
GoTyme Go Save
Digital bank
3.00%p.a.
Rates are planning assumptions and may change. Some figures are declared dividends, target returns, auction averages, or tax credits rather than guaranteed deposit rates.
What Filipino savers say
“
I had MP2, PERA, and RTBs in three different apps. PesoPilot showed me a 20-year side-by-side in one screen. Galing — finally something built for our money.
M
Maria L.
OFW nurse · UAE
“
The VUL audit showed me ₱180k of charges hidden inside my "investment." Cut it, moved to MP2 + a term plan, na-save ko ₱4k a month.
J
Jericko S.
Automation specialist · Las Piñas
“
Take-home pay calculator caught the wrong SSS bracket my old payroll was using. Got back ₱2,400 after I raised it with HR.
C
CJ C.
Dental automation specialist · Las Piñas
“
Sinimulate ko ang VUL ko vs straight term + MP2. Ang lakas ng difference after 15 years. Switched my plan within the week.
C
Carlo R.
Freelancer · Cebu
“
Sulit na sulit yung daily lessons. Parang Duolingo pero for money. Madaling intindihin kahit walang finance background.
A
Ana P.
Public school teacher · Manila
“
The contract scenarios helped me model my retainer income vs lump-sum projects. Now I know exactly how much to set aside for taxes + emergency fund every cycle.
J
Jessa M.
Contract management · Makati
Representative user feedback. PesoPilot is educational only and does not provide financial advice.
Common questions
Investing, explained
How to start investing in the Philippines
You don't need a fortune or a stockbroker to start. The simulator above projects how your money could grow over time; this is the honest, low-drama ladder of where Filipinos actually put it — from safest to highest-risk. Start where you are, and let compounding do the slow work.
The PH investing ladder
1. Emergency fund first — 3–6 months of expenses, liquid and PDIC-insured, before you invest a peso. See how much you need.
2. Pag-IBIG MP2 — government-backed, tax-free, paid a 7.12% dividend for 2025; ideal for money you can lock for 5 years. Try the MP2 calculator.
3. High-yield digital banks — 4–5% p.a., PDIC-insured, fully liquid. Compare the best rates.
4. Index funds & UITFs — for long-term growth you won't need for 5+ years; higher returns, higher swings. See the full where-to-invest hub.
How much do you need to start?
Less than you think — MP2 takes as little as ₱500/month, and most digital banks and funds start at ₱1,000 or below. If you have a lump sum, see exactly where ₱10,000 should go, or follow the 5-step beginner roadmap. For steady income later, read building passive income.
Keep it realistic — and scam-free
No legitimate investment guarantees fixed double-digit returns with no risk; anything that does is a red flag. Confirm any provider is licensed by the BSP, SEC, or Insurance Commission before you send money. Then project your own numbers in the simulator and track everything free with a PesoPilot account.
Educational only — not investment advice, and projections are illustrative, not guaranteed. MP2 dividends and bank rates change; returns on funds vary with the market. Confirm current terms and licensing before investing.
