Make every payday work for you
Four short steps. Your board updates as you type, so you always know your daily money.
Optional. Your name stays on this device, like everything else here.
When are you paid?
Use the day of the month and the amount that actually lands in your account.
Set aside first
Move these out before you spend anything. Any amount counts.
As a contractor, you pay your own SSS, PhilHealth and Pag-IBIG contributions and income tax. A registered tax adviser can tell you how much to set aside.
Your bills and due dates
Add each bill once. The planner picks the payday for you.
Everyday costs until the next payday
Food, transport, load and other things you buy every week.
Save for what matters
Tick off each payday you save, build your streak, level up and collect badges. Every peso counts.
Things I'm saving for
A new fridge, a laptop, a trip home. Give each goal its own pot, so your emergency savings stay for emergencies.
Your badges
Earn a badge for each good money habit. They stay on this device, just for you.
Surprise costs this year
Christmas, birthdays, school, fiestas, check-ups, repairs. Costs that don't come every month.
Your road to debt-free
List what you owe, choose an order and see the month you'll be free. A little extra on one debt at a time works faster than spreading it thin.
What I owe
Check your loan papers, app or statement for the balance, interest and minimum payment. If your loan shows a yearly rate, divide it by 12.
How much can I pay each month?
You'll pay the minimum on every debt. Any extra goes to one debt at a time. When it's paid off, its payment moves to the next one.
Your payoff order
Put every extra peso on number 1. The bars show when each debt is cleared.
While you pay it down
- Stop adding new debt. Put the card or app away for now.
- Never borrow from one loan app to pay another.
- Always pay at least the minimum on every debt, so you avoid late fees.
- Keep a small emergency fund going, even ₱100 a payday, so a surprise doesn't send you back to borrowing.
Know your rights
- Lending companies and online lending apps must be registered with the SEC. Check the SEC website before you borrow.
- Collectors are not allowed to shame or threaten you, or contact the people in your phone list. Report it to the SEC.
- Credit card interest is capped by the BSP at 3% a month.
If you're struggling
- Call your lender early, before you miss a payment. Ask for a lower payment or more time. Many will agree.
- 5-6 lenders usually charge 20% for each loan period. That adds up very fast. Clear it first if you can.
- Talk to someone you trust. Debt is common and fixable. You don't have to sort it out alone.
Raise money-smart kids
Pocket money jars, weekly family lessons and a giving plan. Small habits now, big confidence later.
Kids' pocket money and savings
Use three jars: one to spend, one to save and one to share. The share jar is for giving: church, a cause they care about, or helping a friend. Children learn more from managing a little money than from any lecture. Use a nickname if you prefer.
Family money lessons
Twelve short lessons, one a week, about 10 minutes each. Pick your child's age group and try the activity together. Kids learn money best by doing.
Ideas by age
Ages 4 to 7
- Use a clear alkansya or jar so they can see the coins grow.
- Count coins together each week.
- Play "shop" at home with real coins.
- Talk about waiting: "If we save for three weeks, we can buy it."
Ages 8 to 12
- Give a set amount on the same day each week.
- Let them choose how to spend the spend jar, and live with the choice.
- Try a "wait a week" rule before buying a want.
- Set a savings goal with a picture of the item.
Ages 13 to 17
- Open a kids' or minor's savings account together. Many banks offer one with a parent.
- Give a monthly amount to cover load, snacks and outings.
- Talk about scams, online shopping and "too good to be true" offers.
- Encourage small ways to earn, like helping in a family business.
Family money talk
- "What's one thing you're saving for, and why?"
- "Is this a need or a want?"
- "How can our family help someone else this month?"
- "Where should our share jars go this year?"
Giving and charity
Church, a charity, your barangay, or a neighbour in need. Plan what you give, so you can keep giving without running short.
What I give each month
Family support (padala) goes in your bills in step 3 of the Plan tab. Use this for everything else you give.
Give well
- Decide your amount when you plan, not when someone asks. A small amount you can keep up beats a big one you regret.
- Pay your bills and emergency savings first. Giving should not put you into debt.
- Time and skills count too: volunteering, teaching, or helping a neighbour.
Avoid donation scams
- Groups asking the public for donations need a solicitation permit from DSWD. Ask to see it.
- After a typhoon, fake donation pages appear fast. Give through organisations and parishes you know.
- Be careful with links from strangers and "charities" that want money sent to a personal e-wallet.
- Report scams to the hotline 1326.
Give as a family
- Let the kids choose where their share jars go, then take them along to give it.
- Pick one family cause for the year, like a school supplies drive or an animal shelter.
- Talk about why you give, not just how much.
Grow your money, safely
Saving keeps money safe. Investing aims to grow it over years, but the value can also go down. General education, not advice about what to buy.
Am I ready to invest?
Tick what's true for you. Your answers stay on this device.
The risk ladder
Higher possible returns come with higher risk. Start at the bottom and climb only when you're ready.
Crypto
Very risky. Prices can fall by more than half within months. Only use money you can afford to lose.
Shares
Part-ownership of companies on the Philippine Stock Exchange. Can grow over many years, but prices go up and down.
Pooled funds (UITFs and mutual funds)
Your money is pooled with others and managed by professionals. Risk depends on what the fund holds. Minimums vary by fund.
Government bonds (RTBs)
You lend to the government and earn fixed interest. Recent offers started at ₱5,000 at banks, and from ₱500 through GBonds in GCash.
Pag-IBIG MP2
A voluntary government savings program for Pag-IBIG members. From ₱500, held for five years. Dividends change every year.
Savings and time deposits
The safest place for your emergency fund. Bank deposits are insured by PDIC up to ₱1,000,000 per depositor, per bank.
See how time grows money
Move the numbers and watch compound growth. Rates are examples only, not predictions.
Real returns go up and down, and can be negative. Fees and taxes reduce returns. Interest on bank deposits is usually taxed at 20%.
Shares: the basics
A share is a small piece of a company. If the company grows and makes profits, the share price may rise and you may receive dividends. If it struggles, the price can fall.
- Buy through a broker licensed by the Securities and Exchange Commission (SEC). Many have phone apps.
- Spread your money across many companies, or use an index fund, so one bad company doesn't sink you.
- Think in years, not days. Prices move every day.
- Ignore "sure win" stock tips in group chats.
Crypto: the basics
Crypto (like Bitcoin) is digital money that isn't issued by a government. Its price moves on demand and news, so it can rise or fall very fast.
- Since July 2025, crypto platforms serving Filipinos must be registered with the SEC. Check the SEC website before you sign up.
- Never share your password, recovery words (seed phrase) or one-time PIN with anyone.
- Keep crypto to a small share of your money, and only what you can afford to lose.
- Many scams use crypto: guaranteed returns, "double your money", trading coaches on social media, and romance scams.
Pooled funds, bonds and MP2
- UITFs are offered by banks. Mutual funds are offered by fund companies registered with the SEC. Both pool money from many people.
- Retail Treasury Bonds are offered from time to time by the Bureau of the Treasury. You get interest every quarter and your money back at the end.
- Pag-IBIG MP2 is open to Pag-IBIG members with recent contributions. You can add from ₱500 at a time. Check pagibigfund.gov.ph for the current terms.
Spot an investment scam
- Guaranteed or very high returns ("10% a month")
- Pressure to join now, or to recruit friends and family
- No SEC licence to sell investments (a company registration alone isn't one)
- Payments to personal e-wallet accounts
- Withdrawals that are "delayed" or need an extra fee
Check SEC advisories at sec.gov.ph. Report scams to 1326.
Words to know
General education only, not financial advice. Before you invest, read the official product documents and consider speaking with a licensed financial adviser.
Know where every peso goes
Write down what you spend for seven days, including small things. Two minutes each night is enough.
Take it with you
Save a copy of your plan, download the handbook and passport, or clear everything from this device.
Put it on your home screen
iPhone: open this page in Safari, tap Share, then "Add to Home Screen".
Android: open it in Chrome, tap the ⋮ menu, then "Add to Home screen" or "Install app".
It then opens like an app and works without internet. Your numbers stay on your phone.
My payday plan
A tidy text copy of your plan, goals, family and surprise costs.
Spending week
Your seven days of spending as a spreadsheet file (CSV).
Hiraya Thrive handbook
Mind, Money, Body and Future, with every worksheet. PDF.
Wellness Passport
Your private workbook, with a blank payday planner to print. PDF.
Clear everything on this device
Useful on a shared phone or laptop. This can't be undone.