Guides

The rules, formulas, and eligibility criteria behind our calculators, explained in full — for when a number on its own isn't enough.

• TRAIN Law Explained: What Actually Changed in Philippine Income Tax

  What RA 10963 changed, what's tax-exempt, and how the 8% flat tax option works for self-employed and mixed-income earners.

• Add-on Rate vs Diminishing Balance: Why the Same “Rate” Can Cost Almost Twice as Much

  A worked example showing exactly why a 6% add-on car loan costs what an 11%+ diminishing balance loan would.

• SSS Salary Loan Eligibility: A Realistic Guide

  Member types, the application process, common reasons for disapproval, and how it differs from SSS's other loan programs.