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My Laya PH
Two questions. Everything else in this tool is built on the answers, so take a minute over them.
Nothing you type here leaves your phone. We store your email and nothing else — no income, no savings, no figures.
Fill both fields above and this works itself out.
Two different things can go wrong, and they cost different amounts. So this pillar has two bars.
Cash you could reach this week, to keep the household running while income stops. Money in a bank, a digital bank, or an e-wallet. Not MP2, not a pre-terminated time deposit, not the car — pre-terminating a long fund destroys the reason you opened it.
Based on the expenses you entered, that target works out at —.
A hospital admission is not paid out of the same money that buys groceries — but it will empty that money first if nothing else covers it. So it gets its own bar.
Both figures are averaged from published Philippine hospital rates — Makati Medical Center, St. Luke's and a Level 2 private hospital. Hospital-sourced, never insurer-sourced.
The only pillar you cannot borrow for. There is no loan for a retirement you did not fund.
SSS is counted, always. It is the floor under everything else — but a floor is not a plan.
Money you are keeping specifically for retirement. Not your emergency fund — that one is already counted, and counting it twice would flatter you.
Bank savings assume no growth — the honest default, because we will not credit you with a return you are not earning. MP2 and the Voluntary MySSS Pension Booster rates are the published historical figures, not guarantees.
Worked out from the SSS benefit formula under RA 11199, including the ₱1,000 monthly addition. Future pesos are converted back to today's money at 3.6% inflation — the Philippine ten-year average, 2016 to 2025 (PSA and BSP). You can change that rate on your score page.
A house, a business, a move abroad, a wedding, a car. One goal. The one that would change things.
This is a fund you want ready — a peso amount sitting there on the date you need it. Not a guess at what things will cost by then.
A fund that is ready when they are. Up to four children.
Tell us the fund you want ready per term — tuition, dorm, allowance, books, the lot. We assume college starts at 18.
The share of what you will need that your current path actually delivers. Not a grade. A measurement.
Financial Checkpoint Score
Complete the pages before this one and your score appears here.
Three pillars, weighted equally, each capped at 100%. A full emergency fund cannot hide an empty retirement plan, and it does not work the other way round either.
Three levers over your net remaining cash. They start in the order the financial planning pyramid prescribes — liquidity and protection before accumulation. That is a starting point, not a rule: the right order changes with your life stage and your circumstances. Move them wherever you like, as often as you like.
Checkpoint Score today → where this plan takes you
Your emergency fund is measured two years out. Everything else is measured on its own date — the year each child starts college, the year of your goal, the year you retire.
There is nothing left over this month. That is a finding about arithmetic, not about you, and it is worth having in writing.
More time — every year earlier you start, the monthly figure falls. Or another peso — a second stream of income, or an expense that comes off the list. Nothing else moves it. Not a product, not a strategy, not this tool.
Come back and run this again when either one changes. It takes four minutes and it costs nothing the second time.
Your report is created here on your phone and saved by you. It is never sent to us and never emailed — none of the figures you entered leave this device.