PesoHub Blog
Practical articles about savings, tax, loans, and personal finance in the Philippines — researched, reviewed, and linked to the tools that help you act on what you learn.
Every article on the PesoHub blog is built around a question that Filipino workers, savers, and borrowers actually search for. We research the topic, explain it in plain language, and link to the calculators, rate tables, and reference pages that help you take the next step.
Latest Articles
Best Digital Banks in the Philippines: Rates, Features, and Who They Are For
The best digital banks in the Philippines in 2026 — including Tonik, Maya Bank, GoTyme Bank, CIMB, and OFBank — offer savings rates up to 60 times higher than traditional banks, zero maintaining balance, and PDIC-insured deposits. Here is how to pick the right one for your situation.
Home Loan vs Pag-IBIG Housing Loan: Which Is Better for First-Time Buyers?
For most Filipino first-time buyers, a Pag-IBIG housing loan offers lower interest rates and longer fixed-rate terms — but bank home loans may be the better fit for mid-to-high-value properties. This guide compares both options side by side, with real-peso scenarios and calculator tips.
Car Loan Calculator Philippines: How to Estimate Your Monthly Payment Before You Apply
Learn how a car loan calculator works in the Philippine context, understand the difference between add-on and diminishing balance rates, see real peso-denominated sample computations, and get practical tips to lower your monthly amortization before you walk into any bank or dealership.
How to Compute Your Withholding Tax in the Philippines (Step-by-Step)
Learn how to compute your withholding tax on compensation in the Philippines step by step — from identifying your gross pay and subtracting SSS, PhilHealth, and Pag-IBIG contributions, to applying the TRAIN Law's graduated tax rates to find out exactly how much your employer should be deducting from your payslip each month.
BIR Withholding Tax Table 2026: Monthly, Semi-Monthly, and Daily Rates Explained
The 2026 BIR withholding tax tables in the Philippines follow the same TRAIN Law permanent schedule effective since January 2023, with employees earning ₱20,833 or less per month remaining fully exempt. This guide explains the monthly, semi-monthly, and daily rates, how to compute your actual tax step by step, and the common payroll mistakes that cost employers and employees money.
Time Deposit vs Savings Account: Which Earns More in the Philippines?
Time deposits in the Philippines offer significantly higher interest rates than regular savings accounts — typically 3%–6% per annum versus 0.10%–1% — but your money is locked in for a fixed term. This guide covers current 2025 TD rates, peso-based interest calculations, the 20% BIR withholding tax, TD laddering strategies, and how digital banks are changing the comparison.
What Is a Savings Rate and Why It Matters for Filipino Savers
Your savings rate — the percentage of your income you set aside rather than spend — is one of the most powerful numbers in personal finance. This guide explains what it means for Filipino earners, how to calculate yours, what targets make sense at different life stages, and practical strategies to increase it starting today.
How to Choose the Best Savings Account in the Philippines (2026)
Not all savings accounts are equal. Interest rates in the Philippines range from 0.05% to over 5% per year depending on the bank. Here is how to find the right account for your situation.
High-Interest Savings Accounts Philippines: What Rates Can You Actually Get?
Philippine high-interest savings accounts offer 3-4% annual rates, but with 5.1% projected inflation, real returns may be near zero for peso savers.