Guides

Plain-English how-tos on pay, taxes, loans, and savings — each one links to the calculators that do the math.

Our guides turn the calculators into walkthroughs you can actually follow — how Philippine take-home and 13th-month pay are computed, how loan interest and amortization really work, how compound growth builds savings over time, and more. Each one explains the concepts in everyday language and links to the tools that run the numbers for your own situation.

• Philippines Jun 29, 2026

  13th Month Pay in the Philippines: How It's Computed (2026)

  Who qualifies for 13th month pay, the exact formula under Presidential Decree 851, what counts as basic salary, how pro-rating works, and the tax-exempt limit.

• Finance Jun 29, 2026

  Compound Interest: How Your Money Grows (and How Debt Grows Against You)

  What compound interest is, why time matters more than the amount you invest, the Rule of 72, and how the same force that grows savings also grows debt.

• Construction Jun 29, 2026

  Estimating Materials for a Home Project: Paint, Tile, Flooring & Concrete

  How to measure a space and estimate how much paint, tile, flooring, and concrete you'll need — including the waste allowance most people forget.

• Philippines Jun 29, 2026

  SSS, PhilHealth & Pag-IBIG: What Your Payslip Deductions Actually Buy

  A plain-English guide to the three mandatory Philippine payroll deductions — how each contribution is computed, who pays what, and the benefits they unlock.

• Health Jun 29, 2026

  How to Read Your BMI — and When to Ignore It

  What BMI actually measures, the adult categories, why it misleads for athletes and older adults, and the better measurements to pair it with.

• Finance Jun 29, 2026

  Loan Amortization Explained: Where Each Monthly Payment Really Goes

  A clear, plain-English guide to how loan amortization works: why early payments are mostly interest, how extra payments save you money, and how to read an amortization schedule.

• Philippines Jun 7, 2026

  8% vs Graduated Income Tax: Which Should Filipino Freelancers Choose?

  A clear comparison of the 8% flat tax versus the graduated income-tax rates for self-employed Filipinos and freelancers, with the break-even logic and a side-by-side calculator.

• Finance Jun 7, 2026

  How Much House Can You Afford? A Simple Guide

  Use the 28/36 rule, down payment, interest rate, and term to work out a realistic home budget — with calculators to run your own numbers.

• Philippines Jun 7, 2026

  Pag-IBIG MP2 Explained: Is It Worth It?

  How the Pag-IBIG MP2 savings program works, its dividend rates, pros and cons, and how to estimate your maturity value.

• Philippines Jun 7, 2026

  How to Compute Your Take-Home Pay in the Philippines (2026)

  A plain-English guide to working out your monthly net pay in the Philippines — SSS, PhilHealth, Pag-IBIG, and BIR withholding tax, with a worked example.