Editorial policy
How our figures are sourced, checked, dated, and corrected — and how we keep commercial relationships from touching any of it.
Where our numbers come from
Tax and contribution figures come from the responsible agency: BIR for income tax under the TRAIN law, SSS, PhilHealth, and Pag-IBIG for the mandatory contributions. Where a page depends on a specific issuance — a circular, an advisory, or a published schedule — we name it in that page's sources note so you can check it yourself.
Bank, loan, and credit-card figures are different in kind. They change frequently, are often personalised to the borrower, and are set by companies rather than published in law. We record when we last verified each one, mark how confident we are in it, and tell you plainly to confirm with the provider before you act on it.
How the math is checked
Every calculator's logic lives in a tested function rather than in page code. Those tests check the awkward places specifically: bracket boundaries, contribution floors and ceilings, the rounding steps that make SSS deductions jump, and inputs that would otherwise produce a nonsensical result. The site currently ships over a hundred such tests and we run them before shipping a change.
Most figures printed in our explanations are generated from that same tested code rather than typed in by hand. This matters more than it sounds: it is the mechanism that stops an article from quietly disagreeing with the calculator sitting above it after a rate changes.
What we will not publish
- Rules we cannot source. If a claim about an agency's requirements, deadlines, or programs cannot be traced to a primary source, we leave it out and point you to the agency instead. An article that sounds authoritative but guesses is worse than one that says less.
- Predictions dressed as facts. We do not forecast rates, guarantee returns, or imply a product will perform a particular way.
- Personal advice. Our tools model general rules. They cannot see your circumstances, and nothing here is financial, tax, or legal advice.
Corrections
Rules change, agencies reissue tables, and we make mistakes. If you spot a figure that looks wrong, tell us — include the page, the number you saw, and your source if you have one. We check every report against the primary source. When we are wrong we fix the page and update its "last updated" date rather than quietly editing it.
Advertising and affiliate links
PesoPlan is free to read. We may show ads and use affiliate links, which can earn us a commission at no extra cost to you. Two rules govern that:
- Commercial relationships never change a ranking or a number. Our digital-bank page ranks by the everyday rate an ordinary saver actually earns rather than the headline promotional rate, and our personal-loan page flags add-on rates precisely because they make a loan look about half as expensive as it is.
- Affiliate links are labelled where they appear. If a link carries no such label, it is not one.
We also publish things that cost us money to publish — pointing out that a card's annual fee exceeds what most holders earn back from it, for example. That is the point of the policy.
Who writes this
PesoPlan is a small independent team, not a bank, broker, or lender. We have no commercial relationship with any agency mentioned here, and we are not licensed financial advisers — which is exactly why the site sticks to computing published rules rather than telling you what to do with your money. More context is on the about page.
Last updated: 2026-07-08.