Step 3 of 5
Figures and sources
Figures in this guide are as of November 2026. They change, so check the official source before acting.
PDIC deposit insurance
- Value used
- Up to ₱1,000,000 per depositor, per bank
- Where to check
- pdic.gov.ph
Final tax on deposit and bond interest
- Value used
- 20%
- Where to check
- bir.gov.ph
Pag-IBIG MP2 dividend
- Value used
- 7.12% for 2025 (declared February 2026); declared yearly
- Where to check
- pagibigfund.gov.ph
Pag-IBIG mandatory contribution
- Value used
- 2% of up to ₱10,000 fund salary (₱200 each from you and your employer)
- Where to check
- pagibigfund.gov.ph
SSS contribution
- Value used
- 15% of monthly salary credit (₱5,000 to ₱35,000); 5% employee, 10% employer
- Where to check
- sss.gov.ph
PhilHealth premium
- Value used
- 5% of basic monthly salary (₱10,000 floor, ₱100,000 ceiling), split equally
- Where to check
- philhealth.gov.ph
Inflation
- Value used
- Under 2% in 2025; above 6% in parts of 2026
- Where to check
- psa.gov.ph
Digital bank list
- Value used
- Six BSP-licensed digital banks
- Where to check
- bsp.gov.ph
Credit card interest cap
- Value used
- Up to 3% a month
- Where to check
- bsp.gov.ph
Registered lenders, investment and crypto platforms
- Value used
- Check before you borrow or invest
- Where to check
- sec.gov.ph
Licensed insurers and agents
- Value used
- Check before you buy
- Where to check
- insurance.gov.ph
| Figure | Value used | Where to check |
|---|---|---|
| PDIC deposit insurance | Up to ₱1,000,000 per depositor, per bank | pdic.gov.ph |
| Final tax on deposit and bond interest | 20% | bir.gov.ph |
| Pag-IBIG MP2 dividend | 7.12% for 2025 (declared February 2026); declared yearly | pagibigfund.gov.ph |
| Pag-IBIG mandatory contribution | 2% of up to ₱10,000 fund salary (₱200 each from you and your employer) | pagibigfund.gov.ph |
| SSS contribution | 15% of monthly salary credit (₱5,000 to ₱35,000); 5% employee, 10% employer | sss.gov.ph |
| PhilHealth premium | 5% of basic monthly salary (₱10,000 floor, ₱100,000 ceiling), split equally | philhealth.gov.ph |
| Inflation | Under 2% in 2025; above 6% in parts of 2026 | psa.gov.ph |
| Digital bank list | Six BSP-licensed digital banks | bsp.gov.ph |
| Credit card interest cap | Up to 3% a month | bsp.gov.ph |
| Registered lenders, investment and crypto platforms | Check before you borrow or invest | sec.gov.ph |
| Licensed insurers and agents | Check before you buy | insurance.gov.ph |