Guides
Every figure in these guides is taken from the issuing authority and dated. Where a table can change — SSS, PhilHealth, Pag-IBIG, the BIR, the wage boards — the page reads from the same rate registry as our calculators, so a schedule update reaches both on the same day.
Pay, contributions and tax
- How to compute your 13th month pay13th month pay is your total basic salary for the year divided by twelve. Worked examples for a full year, a partial year, unpaid leave and the tax-exempt portion.Updated 2026-07-26
- SSS contribution table for 2026The complete 2026 SSS contribution table — all 61 monthly salary credit brackets, your share and your employer share, with the circular it comes from.Updated 2026-07-26
- PhilHealth contribution table for 2026The 2026 PhilHealth premium is 5% of monthly basic salary, with a ₱10,000 floor and a ₱100,000 ceiling. Full table, and why basic salary is not gross pay.Updated 2026-07-26
- Pag-IBIG contribution table for 2026Pag-IBIG contributions are 2% of monthly basic salary with the fund salary capped at ₱10,000, so the maximum employee share is ₱200 a month. Full table.Updated 2026-07-26
- BIR income tax table for 2026The 2026 BIR graduated income tax rates, what counts as taxable income after mandatory contributions, and worked examples at common salary levels.Updated 2026-07-26
- Minimum wage in the Philippines, 2026Minimum wage is set by region, not nationally. NCR is ₱755 from 25 July 2026; Calabarzon is ₱600. How the system works and where your region stands.Updated 2026-07-26
SSS and Pag-IBIG
- SSS salary loan: how much you can borrow and how to applyHow the SSS salary loan is computed, the contribution requirements, the application steps, and how to check your status.Updated 2026-08-12
- Pag-IBIG multi-purpose loan: eligibility and amountsWhat the Pag-IBIG MPL pays out based on your total accumulated value, the requirements, and how it compares with a private loan.Updated 2026-08-12
- How to recover a forgotten or lost SSS numberWhere your SS number is already printed, how to recover it through My.SSS, the 1455 hotline or a branch, and why registering again is the one real mistake.Updated 2026-08-12
- SSS ID requirements: getting the UMID cardWho qualifies for the UMID, the documents to bring, the branch process and timeline, the ₱200 replacement fee, and why the card matters for loans.Updated 2026-08-12
Borrowing, credit and providers
- Credit scores in the Philippines: what lenders actually seeThere is no single Philippine credit score. What your CIC file contains, who reads it, how to request and dispute it, and how to build from zero.Updated 2026-08-12
- Credit blacklisting in the Philippines: what is real and what is a collector’s threatNo government blacklist exists and nobody is jailed for debt. What actually happens to defaulters, how long negative records last, and how to clear them.Updated 2026-08-12
- What actually happens if you don’t pay an online loan in the PhilippinesThe real timeline of default: fees, collections, your CIC record and small claims. What collectors cannot do, and where to complain about harassment.Updated 2026-08-12
- BillEase cash loan review: registration checkedBillEase runs under First Digital Finance Corporation, SEC CoA No. 1101. What the cash loan costs, how second loans work, and who it suits.Updated 2026-08-15
- Cooperatives in the Philippines: what they are and how coop loans workWhat a CDA-registered cooperative is under RA 9520, how credit cooperatives lend to members, and how a coop loan compares with an online lender.Updated 2026-08-15
Regulation and your rights
- The 2026 interest rate cap on small loans, explainedFrom 1 April 2026, small unsecured loans face a 12% monthly effective interest ceiling and a total cost cap. What it covers, what it does not, and how to check your own loan.Updated 2026-08-15