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Budget Planner

Create and track monthly budgets with categories tailored to Philippine cost of living and common expenses.

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Enter your budget details and click "Calculate Budget" to see your personalized budget analysis.

Budgeting in the Philippine Context

Common Philippine Budget Percentages

Housing (25-35%)

Rent/mortgage, utilities, maintenance

Food (15-25%)

Groceries, dining out, food delivery

Transportation (10-15%)

Commute, gas, parking, vehicle maintenance

Savings (10-20%)

Emergency fund, investments, retirement

Others (15-25%)

Healthcare, education, personal care, leisure

Budgeting Tips for Filipinos

  1. Track every peso: Use budgeting apps or a simple notebook
  2. Pay yourself first: Automate savings before spending
  3. Use the envelope system: Allocate cash for each category
  4. Plan for irregular expenses: Christmas bonus, school tuition, car registration
  5. Review monthly: Adjust your budget based on actual spending
  6. Involve the family: Ensure everyone understands the budget goals

⚠️ Location Matters

Cost of living varies significantly across the Philippines. Metro Manila has the highest costs, followed by other urban centers. Provincial areas generally have lower costs but may have fewer income opportunities.

Common Philippine Budget Scenarios

Entry-Level Professional

Metro Manila, ₱25,000/month

  • • Rent: ₱8,000 (32%)
  • • Food: ₱6,000 (24%)
  • • Transport: ₱3,000 (12%)
  • • Savings: ₱2,500 (10%)

Family of Four

Provincial, ₱40,000/month

  • • Housing: ₱10,000 (25%)
  • • Food: ₱12,000 (30%)
  • • Education: ₱8,000 (20%)
  • • Savings: ₱4,000 (10%)

OFW Family

Supporting family in PH

  • • Remittance: 60-80% of income
  • • Education: Top priority
  • • Healthcare: Insurance important
  • • Investments: Property common