Sort out your Philippine taxes and money in minutes

Income Tax

TRAIN graduated rates.

Take-Home Pay

After tax + contributions.

Gross to Net Salary

Net from gross.

Net to Gross Salary

Gross from take-home.

Monthly Tax Withholding

BIR withholding table.

Annual Income Tax Return

BIR Form 1700.

Effective Tax Rate

Average vs marginal.

Mixed Income Tax

Salary + business.

13th Month Pay

Prorated computation.

13th Month Tax Savings

P90k exemption.

13th Month vs Bonus Tax

Taxable threshold.

De Minimis Benefits

Tax-exempt limits.

Overtime Pay

OT premium rates.

Night Differential

10% night premium.

Minimum Wage Tax

MWE exemption.

Daily to Monthly Salary

Wage conversion.

Salary Increase Tax

What you keep.

Service Incentive Leave

5-day SIL pay.

Separation Pay

Authorized causes.

Fringe Benefits Tax

35% on managers.

Employer Payroll Cost

Total cost to employ.

Total Mandatory Contributions

SSS + PhilHealth + Pag-IBIG.

8% Tax

Flat self-employed option.

8% vs Graduated Tax

Pick the lower bill.

Graduated vs OSD

Itemized vs 40% OSD.

Freelancer Tax

Self-employed income tax.

Freelancer Quarterly Tax

BIR 1701Q.

Self-Employed Take-Home

After tax + contributions.

Contractor vs Employee

Net pay compared.

Professional Fee Withholding

EWT on fees.

Corporate Income Tax

20-25% CREATE.

Corporate OSD

40% optional deduction.

MCIT

Minimum corporate tax.

Business Tax Comparison

VAT vs percentage.

Business Permit Cost

Mayor + barangay fees.

VAT

12% add or remove.

VAT Payable

Output less input VAT.

VAT vs Percentage Tax

12% vs 3%.

VAT Registration Threshold

P3M test.

VAT-Exempt Threshold Planner

Stay under P3M.

Digital Services VAT

12% on digital.

Percentage Tax

3% non-VAT.

Documentary Stamp Tax

DST on documents.

DST on Loan

P1.50 per P200.

DST on Lease

Stamp tax on leases.

SSS Pension

Monthly pension estimate.

SSS WISP

Provident savings.

Retirement Pay

RA 7641 benefit.

Retirement Corpus

Target nest egg.

Retirement Income Gap

Shortfall check.

Pag-IBIG MP2 Savings

Tax-free dividends.

MP2 vs Time Deposit

Returns compared.

Pag-IBIG MP2 vs Stocks

Risk vs return.

PERA

Retirement account growth.

PERA Tax Credit

5% contribution credit.

FIRE

Financial independence.

Coast FIRE

Coast to retirement.

Home Loan

Amortization + interest.

Home Loan Affordability

How much you can borrow.

Pag-IBIG Housing Loan

Subsidized rates.

Mortgage Refinance

Saving + break-even.

House and Lot vs Condo

Total cost compared.

Rent vs Buy

Buy or rent + invest.

Rental Yield

Gross + net yield.

Rental Income Tax

Tax on rent received.

Withholding Tax on Rent

5% EWT.

Real Property Tax

Annual RPT (amilyar).

Idle Land Tax

Extra levy on idle land.

Property Transfer Tax

LGU transfer tax.

Property Closing Cost

Fees to buy.

Real Property Capital Gains Tax

6% on sale.

Compound Interest

Growth projection.

Simple Interest

Flat-rate interest.

Investment Growth

Regular investing.

Mutual Fund / UITF

Pooled fund growth.

Time Deposit Maturity

Value at maturity.

Time Deposit Tax

20% final tax.

Interest Income Tax

20% on interest.

FCDU Interest Tax

15% on FX deposits.

Retail Treasury Bond

RTB yield after tax.

Dividend Tax

10% final tax.

Dividend Yield

Yield on cost.

Stock Trading Cost

PSE fees + tax.

Stock Transaction Tax

0.6% on sale.

Capital Gains vs Stock Tax

Listed vs unlisted.

Unlisted Shares CGT

15% on gains.

Net Worth

Assets minus debts.

Budget (50/30/20)

Needs / wants / savings.

Emergency Fund

Cash buffer.

Savings Goal

Monthly to a target.

Education Fund

Save for tuition.

Educational Plan vs Investing

Pre-need vs DIY.

Debt Payoff

Time + interest.

Credit Card Payoff

Clear the balance.

Personal Loan

Repayments.

Car Loan

Vehicle finance.

Loan Amortization Schedule

Full payment table.

Loan Prepayment

Pay off sooner.

Inflation

Real value over time.

Salary Inflation

Real pay growth.

OFW Remittance Budget

Split remittances.

Estate Planning

Plan your estate.

Estate Tax

6% on net estate.

Donor Tax

6% on gifts.

Lotto Winnings Tax

20% above P10k.

Life Insurance Needs

Cover gap.

Critical Illness Cover

Lump-sum need.

Income Replacement

If you cannot work.

HMO vs PhilHealth

Coverage compared.

SSS Contribution

Employee + employer.

SSS Self-Employed Contribution

Voluntary / self-employed.

PhilHealth Contribution

5% premium.

Pag-IBIG Contribution

HDMF savings.