A Beginner's Guide to Government Bonds and Treasury Bills in the Philippines
Learn how Philippine government bonds and T-bills work, how to invest in them through BTr, and whether they fit your savings goals.
Free Philippine Finance Tools
Plan Your Financial Future with Confidence
Free Philippine finance calculators for MP2 savings, SSS pension, income tax, housing loans, investments, and more. No registration required.
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free calculators covering savings, tax, loans, and investing.
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published guides written specifically for the Philippine market.
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Most used
Popular Calculators
01 · Savings →
MP2 Savings Calculator
Calculate your Pag-IBIG Modified Pag-IBIG 2 (MP2) earnings with compounding projections based on historical 7%+ dividend rates.
Pag-IBIG Fund 7.12% 2025 Rate
02 · Investing →
Investment Simulator
Visualize investment portfolio growth with interactive monthly contributions and rate comparisons.
Compound Growth
03 · Loans & Housing →
Housing Loan Calculator
Pag-IBIG housing loan eligibility, monthly amortization, and required income affordability estimator.
Amortization Schedule
04 · Tax & Salary →
Tax Estimator
Philippine income tax calculator based on official BIR TRAIN Law brackets and mandatory contributions.
TRAIN Law 2026
05 · Retirement →
SSS Pension Estimator
Estimate your estimated monthly retirement pension and lump sum based on your SSS contributions and CYS.
Social Security
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From the blog
Latest Guides
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A practical guide to insurance for Filipinos. Learn the difference between term and VUL, what PhilHealth covers, and how to pick the right coverage.
Why Calculate.ph
About Calculate.ph
Calculate.ph is your free resource for Philippine personal finance calculations. Whether you are planning for retirement with MP2, estimating your SSS pension, computing income tax under the TRAIN Law, or exploring housing loan affordability, our tools provide accurate, transparent numbers to help you make informed decisions.
All calculators are built specifically for Filipinos, incorporating current regulations and official formulas. We run calculations entirely in your browser to respect your financial privacy.
Common Questions
Frequently Asked Questions
Are these calculators free to use?
Yes, all calculators on Calculate.ph are 100% free. No registration or sign-up required.
How accurate are the calculations?
Our calculators use official formulas and current rates from Philippine government agencies (BIR, SSS, Pag-IBIG) and financial institutions.
Can I use these calculators on mobile?
Yes. All calculators are responsive and work smoothly on smartphones, tablets, and desktop computers.
Are my inputs saved or shared?
No. The calculations run entirely in your browser, so your financial data remains completely private.