Money math na hindi nakakainis.
Ever wondered where your sweldo actually goes? These free calculators show you, minus the headache. Taxes, SSS, PhilHealth, Pag-IBIG, 13th month pay, loans, lahat na. No sign-up walls. Works kahit mahina ang data.
🧮 Calculators — instant answers
Net Salary Calculator
Gross → take-home, with SSS, PhilHealth, Pag-IBIG and BIR withholding estimates.
Calculate →13th Month Pay Calculator
Pro-rata, the ₱90k tax rule, and what actually lands in your account this December.
Calculate →Overtime Pay Calculator
OT rates, special and regular holiday premiums, night differential — DOLE percentages.
Calculate →Freelancer Tax Calculator
8% flat vs graduated plus percentage tax — see which registration saves you more.
Calculate →VAT Calculator
Add or remove 12% VAT correctly — net to gross, gross to net, in one tap.
Calculate →Loan Calculator
Monthly amortization and the TRUE interest cost of home, car, or personal loans.
Calculate →MP2 Savings Projector
See your Pag-IBIG MP2 grow with dividends — model different rates and terms.
Project →Emergency Fund Calculator
Your exact shield size in pesos, plus a realistic timeline to build it.
Calculate →Percentage Tax Calculator
The quarterly 3% tax for non-VAT freelancers and small businesses, computed.
Calculate →Salary Converter
Hourly, daily, monthly, annual — compare job offers fairly.
Convert →📚 Guides & Articles — understand the rules
SSS Contribution Guide
The employee-share table by salary level, plus the benefits your payments unlock.
See guide →PhilHealth Contribution Guide
2026 premium table for employees, and what your payments cover.
See guide →Pag-IBIG Contribution Guide
The ₱200 deduction and the housing loans it quietly unlocks.
See guide →Night Shift Differential Guide
The 10% premium between 10PM and 6AM, with worked examples in pesos.
Read →How to Compute Overtime Pay
Every DOLE formula with peso examples. Settle payslip disputes with math.
Learn →SSS Maternity Benefit Guide
105 days paid: eligibility, amounts, and claiming steps without stress.
Read →Minimum Wage Guide 2026
NCR rates explained (now ₱755/day) plus why every region differs.
See guide →MP2 Dividends & Honest Guide
Real rules, real history, honest verdicts on Pag-IBIG MP2.
Read →13th Month vs Christmas Bonus
They are NOT the same thing legally. Know what you are owed this December.
Learn →Take-Home Pay Explained
A real payslip dissected line by line, deductions honestly rated.
Read →Is ₱30k a Good Salary?
Actual math on rent scenarios and making any salary feel bigger.
Read →💡 Why these calculators exist
Every Filipino worker asks the same questions every year:
Most answers online are buried in ancient forum threads or bloated pages that crawl on mobile data. PinoyMoneyTools gives you straight answers in seconds:
⚠️ Real talk, bes: estimates lang po ito — good-faith math based on published government rates, hindi prophecy. Para sa final figures, i-double-check lagi kay HR o sa official agency calculators (SSS, PhilHealth, Pag-IBIG, BIR). At hindi po ito financial advice… calculator website lang kami. 💚