Free Savings Calculators for Filipinos

TipidNation has 57 free calculators and 6 comparison tools for Filipinos. Work out your take-home pay, 13th month, taxes, loans, fuel costs and sale discounts before you spend. No sign-up, no fees, and everything runs in your browser.

Last updated November 6, 2026.

Comparison Tools

Ride and Delivery App Comparison Compare 18 ride, food and parcel apps: pros, cons, pricing and a coverage map E-Wallet Comparison GCash, Maya, GoTyme, MariBank and more: features, cash-in, cards and savings Digital Bank Comparison Compare 10 digital and traditional banks by savings rate, cards and access Money Transfer Comparison Wise, Remitly, Western Union and more: fees, speed and delivery options Buy Now Pay Later Comparison SPayLater, BillEase, Atome and Home Credit: plans, costs and best use VPN Comparison NordVPN, ExpressVPN, ProtonVPN and more: free plans, speed and privacy

Pay and Work

Take-Home Pay Calculator Net salary after SSS, PhilHealth, Pag-IBIG and tax 13th Month Pay Calculator Estimate your December bonus and the taxable part Freelancer Tax Calculator (8% vs Graduated) Compare the 8% option with graduated rates Overtime, Holiday and Night Differential Calculator Pay for overtime, holidays, rest days and night shifts SSS, PhilHealth and Pag-IBIG Contribution Calculator Employee, employer and self-employed contributions Final Pay and Separation Pay Calculator Back pay, leave conversion, pro-rated 13th month Income Tax Calculator for Employees Yearly BIR tax on your salary, bonus and benefits

Shopping and Credit

Voucher Stacking Calculator Final price after shop, platform, promo and card discounts Credit Card Installment Calculator 0% or interest installments, monthly payment and total cost Loan Amortization Calculator Monthly payment, total interest and a payment schedule VAT and Senior Citizen / PWD Discount Calculator Add or remove 12% VAT, compute the 20% discount Credit Card Payoff Calculator How long to pay off a balance and how much interest

Loans and Property

Housing Loan Calculator (Pag-IBIG and Bank) Monthly amortization and the income you need Rent vs Buy Calculator Philippines Compare the real cost of renting and buying a home Car Loan Calculator Philippines Monthly payment and the real rate behind add-on quotes Motorcycle Loan Calculator Philippines Monthly add-on payment, total cost and real yearly rate EV vs Hybrid vs Petrol Car Calculator Keep your car or switch? Total cost over 3 to 7 years

Investing

UITF Return Calculator Philippines Units, current value, gain and projected growth Mutual Fund Monthly Investing Calculator See what a regular monthly investment could grow into Retail Treasury Bond (RTB) Calculator Net interest after tax and the yield after inflation

Savings and Budget

Savings Goal Calculator How much to save each month, plus the 52-week challenge Pag-IBIG MP2 and Savings Growth Calculator Project your balance with regular deposits and interest 50/30/20 Payday Budget Planner Split your pay into needs, wants and savings

Home and Lifestyle

Monito Monita (Secret Santa) Generator Draw private gift pairs with a budget, skip couples Electricity Bill Calculator Appliance cost per month and your biggest power hogs Aircon Electricity Cost Calculator Monthly aircon cost and inverter vs non-inverter savings Solar Panel Payback Calculator Philippines Estimated savings and payback period for home solar Parcel Shipping Cost Calculator Volumetric weight and the delivery fee for your box Electricity and Water Bill Split Calculator Split a bill by sub-meter for boarders and housemates Philippine Travel Tax Calculator Estimate travel tax for adults, children and exemptions Fuel Cost Calculator Philippines Monthly gas cost per trip and versus commuting Solar System Size Calculator Philippines How many solar panels and kW your home needs Solar Battery Backup Calculator Battery size and inverter for brownouts and blackouts

Brand Tools

11.11, Black Friday and 12.12 Countdown Days left plus how much to save per week SPayLater Calculator Monthly payment and total cost of a SPayLater plan iPhone and Galaxy Installment Calculator Monthly payment for a new phone on installment Maya Savings Interest Calculator Project your Maya savings with deposits and interest GoTyme Go Save Interest Calculator Project your GoTyme Bank savings with deposits and interest Maribank Savings Interest Calculator Project your Maribank savings with deposits and interest GCash GSave Interest Calculator Project your GCash savings with deposits and interest Shopee Seller Fee and Profit Calculator Profit per item after Shopee fees, ads and shipping Lazada Seller Fee and Profit Calculator Profit per item after Lazada fees, ads and shipping TikTok Shop Seller Fee and Profit Calculator Profit per item after TikTok Shop fees, ads and shipping Shoe Size Converter US, UK, EU and cm shoe size conversion Nike Shoe Size Converter Nike shoe size conversion Adidas Shoe Size Converter Adidas shoe size conversion PUMA Shoe Size Converter PUMA shoe size conversion SHEIN Size Converter and Size Finder Find your size from bust, waist and hip Game Top-Up Cost Per Unit Calculator Cost per unit to find the best top-up pack Mobile Legends Diamond Price Calculator Cost per diamond to find the best top-up pack foodpanda vs GrabFood Cost Calculator Compare the real total of the same order on both apps Amazon and Temu Import Cost Calculator Landed cost with shipping, duty and VAT eSIM Data Planner How many GB you need for a trip Hotel Price Breakdown Calculator Total hotel cost with service charge, VAT and fees Trip Budget Calculator Total, per person and per day travel cost Credit Card Cashback and Rewards Calculator Monthly and yearly cashback after the annual fee GGives Installment Calculator Monthly payment and the real cost of GCash installments

Which calculator should I use?

If you want to know	Use this tool
How much will I actually take home each month?	Take-Home Pay Calculator
How much is my 13th month pay?	13th Month Pay Calculator
What will my cart cost after Shopee or Lazada vouchers?	Voucher Stacking Calculator
What does a credit card installment really cost?	Credit Card Installment Calculator
How much should I save each month for a goal?	Savings Goal Calculator
How much does my daily drive cost in fuel?	Fuel Cost Calculator
Which tax option is cheapest for a freelancer?	Freelancer Tax Calculator
How much will I get in final pay?	Final Pay Calculator

Plan first, then spend less

Helping Filipinos save money since 2017 starts with knowing your numbers. Work out your take-home pay, set a savings goal, estimate your 13th month pay, then use the voucher stacking calculator before sales like 11.11, Black Friday and 12.12. Planning a big purchase? Compare installment and loan costs before you commit.

Frequently asked questions

Are the TipidNation calculators free?

Yes. Every calculator and comparison tool is free, needs no sign-up and runs in your browser. The numbers you type are not sent to a server.

How accurate are the calculators?

They give planning estimates. Pay tools use the SSS, PhilHealth, Pag-IBIG and BIR TRAIN rules shown on each page. Your payslip, lender or bank can differ, so confirm exact figures with your employer, agency or provider.

What is the best calculator to use before a big sale?

Use the voucher stacking calculator to see your final price, the sale countdown to plan your savings per week, and the credit card installment calculator if you plan to pay in installments.

Which calculators help me understand my salary?

Start with the take-home pay calculator, then check your SSS, PhilHealth and Pag-IBIG contributions, overtime and holiday pay, 13th month pay and income tax for the year.

How often are the rates and prices updated?

We review rates, defaults and comparison data regularly and show the date on each page. Government tables and market prices can change between updates, so check the official source for anything you act on.

These calculators give estimates for planning only. They are not financial, tax or legal advice. Confirm exact figures with your employer, bank, lender or the relevant government agency.