PesoPilot
BPI BanKo Pondo+4.5%
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%
BPI BanKo Pondo+4.5%
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 JULY 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.

1,200+ Filipinos planning smarter
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.

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— or skip signup —

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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 July 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
BPI BanKo Pondo+
Microfinance bank
4.50%p.a.
SeaBank
Digital bank
4.50%p.a.
UNO Digital Bank
Digital bank
4.00%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
3.00%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.

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.