About iKwenta

iKwenta ("calculate it" in Filipino) is a free financial tools platform for the Philippines. We help you calculate your salary, tax, contributions, and compare financial products — without needing a finance degree.

Independent

We don't work for any bank, lender, or insurer. Our calculators use official BIR, SSS, PhilHealth, and Pag-IBIG contribution tables to give you accurate results.

Transparent

When we earn a commission from a referral, we tell you. We show the true cost of financial products and flag high-interest lending with clear warnings. Informed consumers make better choices.

Free Forever

All our calculators and comparison tools are free to use, with no signup required. We make money through affiliate referrals and premium reports — never from selling your data.

Consumer-First

We help you understand your payslip, maximise your take-home pay, and find the best financial products for your situation. Your financial wellbeing comes first.

What We Cover

Salary & Tax Calculators: Income tax under the TRAIN law, 13th month pay, SSS contributions, PhilHealth premiums, Pag-IBIG contributions, and net take-home pay calculator.

Financial Calculators: Loan calculator, GCash fee calculator, business registration cost estimator, SSS pension calculator, and lending rate checker.

Product Comparison: Digital banks, personal loans, and HMO health plans — compared side by side with real rates and terms. Written for regular Filipinos, not finance experts.

Our Data Sources

We compile data from publicly available sources including:

  • - Bureau of Internal Revenue (BIR) — TRAIN law tax tables, withholding tax rates
  • - Social Security System (SSS) — contribution tables and pension computation
  • - PhilHealth — premium contribution schedule
  • - Pag-IBIG Fund (HDMF) — contribution tables and MP2 dividend rates
  • - Bangko Sentral ng Pilipinas (BSP) — licensed banks and lending companies
  • - Department of Trade and Industry (DTI) — business registration fees
  • - Individual bank and lender websites — product terms and rates

We update our data regularly but cannot guarantee real-time accuracy. Always verify rates directly with the provider before making financial decisions.

Disclaimer

iKwenta provides information and tools for comparison purposes only. This is not financial advice. We are not licensed financial advisors, brokers, or intermediaries. Always do your own research and consult a qualified financial professional before making significant financial decisions. Rates and terms shown are indicative and may change without notice.

Questions or feedback? Email us at hello@ikwenta.com