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Smart money tools for every Filipino
GCash & Maya fees, digital bank interest, pawnshop gold loans, Pera Padala, car loans, sari-sari pricing, and OFW remittance comparison.
GCash & Maya Fee Map
Filter the cheapest ways to move money in and out of your e-wallet.
Partner / Method
Wallet
Type
Fee
Daily Limit
Notes
Note: Fees are approximate and subject to change. Always verify in the official GCash or Maya app. Limits may vary by KYC verification level.
Digital Bank Interest Simulator
Compare net returns after the 20% final withholding tax (FWT) across Philippine digital banks.
Bank
Gross Rate
Net Rate (after 20% FWT)
Gross Interest
FWT Deducted
Net Interest
Final Balance
Rates are approximate. Maya Bank 3.5% applies to first ₱100,000; 1% above that. Tonik 6% is for locked Solo Stash (6-month term). Always verify in the bank’s official app.
Pawnshop Gold Loan Estimator
Estimate how much you can borrow against your gold jewelry at major Philippine pawnshops.
Appraised Value
Karat Purity
Pure Gold Weight
Pawnshop
LTV
Loan Amount
Rate/Month
Interest/Month
Total Interest
Total to Redeem
Estimates only. Actual loan values depend on the pawnshop appraiser’s assessment of purity, condition, and current spot prices. Current 24K gold: approx. ₱4,500–₱5,200/gram — update the field above for accuracy.
📋 Know Before You Borrow
Standard pawn ticket term is 4 months. You pay monthly interest to keep your item.
Interest is charged on the full loan amount every month — it does not decrease as you pay.
BSP regulations cap pawnshop interest at approximately 3.5%/month for most items.
A 3.5%/month rate equals roughly 42% per year — significantly higher than bank loans.
If you fail to redeem or renew by maturity, the pawnshop may auction your item without further notice.
You can redeem early — most pawnshops prorate interest to the day.
Always keep your Arias (pawn ticket) — you cannot redeem without it. Replacements require extra steps.
Bring a valid government-issued ID. BSP requires pawnshops to record all transactions.
Palawan Express Pera Padala
Enter the amount you want to send and see the exact sender fee.
You Send
Sender Fee
Total Cost
Fee Rate
Full Fee Bracket Table
Send Amount
Sender Fee
Fee %
Note: Fee brackets are approximate. Rates may vary by branch. Confirm the fee at the counter. Max per transaction: ₱50,000.
Car Loan Amortization Matrix
Compare monthly payments across down payment options and loan terms. Uses the add-on interest rate method standard to Philippine banks.
● Green = lowest total car cost (Down Payment + all monthly payments)
All Banks Comparison
Same car price, all 6 banks side by side. Choose your preferred down payment and term.
Bank
Monthly Payment
Total Interest
Total Car Cost
Pre-term Penalty
Processing Fee
Min Down Payment
● Best deal (lowest total car cost) highlighted in green
Bank Fees & Conditions
Bank
Processing Fee
Chattel Mortgage
MRI / Loan Insurance
Pre-term Penalty
Min DP
Notes
Fees are approximate. Chattel mortgage fees vary by LTO region and loan amount. Comprehensive car insurance is required by all banks but arranged separately. Always request a full fee schedule from the bank before signing.
Add-on rate method: Monthly payment = (Principal + Principal × Rate × Months) ÷ Months. Actual rates depend on credit profile, vehicle type, and bank approval. Always get an official bank quote.
Sari-Sari Store Inventory & Pricing Tool
Calculate the right retail price per piece to hit your target margin. Add multiple items and track profit per pack.
Item
Cost/pc
Sell Price/pc
Margin
Profit/pc
Profit/pack
Total Items
0
Total Wholesale
₱0.00
Projected Revenue
₱0.00
Projected Profit
₱0.00
Tingi tip: This tool rounds sell prices up to the nearest ₱0.50 for easy change-making. Actual margin may vary slightly.
OFW Remittance Comparison
Compare Wise, Remitly, Xoom, Western Union, and more — see who sends the most pesos for your dollar.
Service
Transfer Fee
Rate Used
Rate vs Mid-Market
PHP Received
Speed
Payout Options
★ Best PHP received highlighted in green
Rate vs Mid-Market = how many PHP pesos less per dollar vs. the reference rate you entered. Lower is better.
Important: Exchange rates and fees change constantly. Rates shown are representative estimates for the USD→PHP corridor based on publicly available data. Always check the service’s app for the exact rate at the time of transfer. First-transfer promos (common on Remitly, MoneyGram) may significantly reduce your cost.
Personal Loan Comparison
Compare personal loan costs across Philippine banks. Uses the add-on rate method standard to PH consumer lending.
Best Pick
Monthly Payment
Total Interest
Total Repayment
Bank / Lender
Monthly Rate
Monthly Payment
Total Interest
Total Repayment
Processing Fee
Max Loan
Notes
● Lowest total repayment highlighted in green
Rates are indicative. GSIS and Landbank loans are for government employees/GSIS members only. Actual rates depend on credit profile, income, and bank approval. Processing fees may be deducted from loan proceeds. Always confirm current rates in the official bank app or branch before applying.
Requirements & Tips
📄 Standard Documents
2 valid government-issued IDs
Latest 3 months payslips
Certificate of Employment
ITR or BIR Form 2316
Proof of billing address
Self-employed: DTI/SEC + audited financials
💡 Approval Tips
Apply at your own bank first — better approval odds
Monthly income should be at least 3× the monthly payment