Home / Tools

Free money tools

Three calculators that run only in your browser. Nothing you type leaves your phone.

Educational only, not financial advice.

Tool 1

Idle Money Compounder

How much more could your idle money earn in an insured high-interest savings account than in a regular bank account? After tax, month by month.

Starting amount

Monthly top-up

Years

Method: interest compounds monthly at the published per annum base rate divided by 12, and 20% final withholding tax is taken from each credit. Top-ups land at month end. Real banks may credit daily and use a 360-day year, so results differ slightly. Promo boosts and balance caps are not included. PDIC covers deposits up to PHP 1,000,000 per depositor, per bank.

Tool 2

Credit Card Leverage Reality Check

Before you swipe for stock or equipment: does this purchase bring cash back before the due date? Leverage multiplies losses too.

Purchase amount (PHP)

Cash you expect back from it (PHP)

Days until that cash actually arrives

Days from purchase to card due date

Buy right after your statement date and this can reach about 45 to 50 days, depending on your card.

Card interest per month (%)

BSP ceiling: 3% a month (36% a year), Circular 1165.

Your credit limit (PHP, optional)

Responsible leverage rules

Only finance purchases that produce cash before the statement due date.
Pay the full statement balance, every month. Minimum payment is a trap.
Keep balances under 30% of your limit.
No cash advances for business stock.
0% installment is fine only if the item earns more than the monthly amortization, and you budget for it.
If the verdict is yellow, plan B must already exist.

Tool 3

Business Bottleneck Finder

10 questions, about 2 minutes. Scored locally. Get your top 3 fixes and which cheat sheet section to read first.

Educational only, not financial advice. Your answers never leave your browser.