Taxes & Income
Opinions and deep dives on the money decisions calculators can't answer for you.
SSS LoanLite charges 8% a year — genuinely cheap — plus a flat ₱200 bank fee that doesn't shrink with your loan or your term. On ₱1,000 for 15 days that works out to roughly 498% annualized. Here's the full cost breakdown, and why borrowing more for longer is cheaper.
RCBC's Visa x Google Pay promo pays ₱1,500 back on ₱3,000 of cumulative spend until September 30. That's 50% back, which is not a typo. The catch isn't the spend — it's the registration step, and the fact that tapping your physical card earns you nothing.
A single MP2 account only pays out once, after 5 years. Open a new one every year instead, and by year 5, may lalabasang pera every single year. Here's how MP2 laddering works.
Marcos' SONA proposal raises the tax-exempt threshold to ₱350,000; the GINHAWA bills want ₱400,000. Here's what either one means for take-home pay from ₱40K to ₱120K a month — and why anything at ₱20K is a non-story.
Hindi lang basta 'mas mababa ang interest.' Here's the real reason Pag-IBIG beats most bank home loans for the average Pinoy buyer — and yung isang bagay na dapat mong gawin para hindi ka masisingil nang sobra.
Owning builds equity. Renting keeps you liquid. Here's the actual math behind the decision — down payments, opportunity cost, and the breakeven point most people never calculate.
22 tools, one page. A quick tour of every calculator on Sahod PH — tax and payroll, savings and investments, and loans — so you know which one to reach for and when.
The short version: I got tired of doing payroll math by hand and not trusting the answer. The longer version, plus what else I've been building outside of it, is this post.