Guides
Plain-language explanations of the rules behind the calculators.
- Salary and work13th Month Pay in the Philippines: Who Gets It and How It’s ComputedThe rules under PD 851, how to compute a prorated 13th month pay, what counts as basic salary, and when it becomes taxable.Read the guide
- Loans and financeAdd-On Rate vs Diminishing Balance: What Your Loan Really CostsWhy a “1.5% a month” loan can cost more than a bank loan at 18% a year, how amortization works, and how to compare offers using the effective interest rate.Read the guide
- Salary and workHow Philippine Payroll Deductions WorkWhat SSS, PhilHealth, Pag-IBIG and withholding tax take from your salary, how each is computed, and why your payslip may look different.Read the guide
- Home and utilitiesHow to Estimate What Your Appliances Cost on Your Electric BillFind your real rate per kWh, read appliance wattage, and work out which appliances drive your Meralco or electric cooperative bill.Read the guide