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PesoPilot
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BanKo TODO5.0%
MP2 Pag-IBIG7.12%
MySSS Pension Booster7.2% target
RTB-316.0%
T-bills 364D5.72%
DiskarTech4.0%
PERA tax credit5.0%
Tonik Stash4.0%
MariBank3.25%
Maya Bank3.0%
BanKo TODO5.0%
MP2 Pag-IBIG7.12%
MySSS Pension Booster7.2% target
RTB-316.0%
T-bills 364D5.72%
DiskarTech4.0%
PERA tax credit5.0%
Tonik Stash4.0%
MariBank3.25%
Maya Bank3.0%
PH rates · Updated MAY 2026

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.

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
10 yrs
yrs
1 yr40 yrs
Target goal (optional)Use a preset or type an exact peso goal
Risk profile
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 May 2026
Government & tax-advantaged
Declared · auction · tax-credit assumptions
MySSS Pension Booster
Gov. retirement
7.20%target p.a.
MP2 Pag-IBIG
Gov. savings
7.12%declared
RTB-31
Gov. bond
6.00%gross p.a.
T-bills 364D
Gov. bond
5.72%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.
DiskarTech
Digital bank
4.00%p.a.
Tonik Stash
Digital bank
4.00%p.a.
OwnBank Own It
Digital bank
3.80%p.a.
MariBank
Digital bank
3.25%p.a.
Maya Savings
Digital bank
3.00%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.