3%
General inflation
How fast everyday prices rise each year in the plan — the central bank’s published target.
FIRE Planner · FIRE calculator for Philippines
A FIRE calculator for the Philippines: SSS, PERA and Pag-IBIG MP2 in one projectionSSS · MySSS Pension Booster · GSIS · PERA · Pag-IBIG MP2 · retirement pay · SRRV · OFW · financial freedom
Nivritee’s FIRE Planner projects when your household could stop working, in pesos, with Philippine inflation, a fast-rising medical cost rate and your SSS, PERA and Pag-IBIG MP2 savings pre-filled as rows. It is free: eight answers after sign-up, about two minutes.
Your Location
| Country | Currency | Inflation | Medical |
|---|---|---|---|
| Philippines | PHP | 3.0% | 16.1% |
| India | INR | 4.0% | 12.9% |
| United Kingdom | GBP | 2.0% | 10.0% |
| Singapore | SGD | 2.0% | 16.9% |
Fourteen countries. Every rate shown, every rate yours to change.
FIRE Planner · your FI number in PHP
Your FI number at a 3.5% withdrawal rate, and how you compare.
Your FI number is a year of the life you plan after you stop working, divided by the 3.5% withdrawal rate the planner uses for Philippines, with tax on withdrawals allowed for, your goals added and income that keeps paying netted off. It is projected in PHP (₱), with a Financial Freedom Index out of 100 beside it.
Philippines publishes household income rather than household wealth, so your peer percentile compares your household’s income with the PSA Family Income and Expenditure Survey, aged forward from its survey year.
How the FIRE Planner works →Financial freedom index
51Building momentum
- Progress 50% of the score 21What you have, against the number this plan says you need.
- Trajectory 30% of the score 100The age the projection actually reaches independence at.
- Resilience 20% of the score 50Emergency cover and how much debt you are carrying.
An illustrative household. Your own score is computed from your plan and stored, not estimated.
Philippines · the rates your plan starts from
The Philippines rates every plan projects with.
A plan for Philippines starts from these, in PHP. Each one is shown on your plan and yours to change, and changing one changes nobody else’s.
3.19%
Education inflation
School and university fees, which rise faster than everyday prices.
16.1%
Medical inflation
Healthcare costs, which rise faster than everyday prices in almost every market.
7.2%
Return while you work
An assumption, not a forecast — shown so you can change it.
6.61%
Return after you stop
Lower, because money being drawn on is usually held more cautiously.
3.5%
Withdrawal rate
What your FI number assumes you draw from your savings in a year.
Portfolio Tracker · Philippines schemes in one plan
SSS pension, SSS provident fund (MySSS Pension Booster), GSIS (government employees), PERA, Pag-IBIG MP2 savings — rows in your plan from the start.
- SSS pension — The Social Security System pension for private-sector workers and the self-employed, paid monthly once you qualify.
- SSS provident fund (MySSS Pension Booster) — Your personal SSS savings account, built from contributions on higher salary credits and from voluntary top-ups.
- GSIS (government employees) — Government Service Insurance System benefits for public-sector workers.
- PERA — Personal Equity and Retirement Account: voluntary long-term savings with tax incentives.
- Pag-IBIG MP2 savings — A voluntary five-year savings programme of the Pag-IBIG Fund that pays an annual dividend.
Each is a row in your plan, under its own name, beside your stocks, funds and deposits in any other country — all converted into one currency in the Portfolio Tracker.
How the Portfolio Tracker works →
Philippines · when the money can be reached
When pensions and schemes can be reached.
The ages that decide how a FIRE plan bridges the years after the salary stops.
Access age 1
The SSS pension is payable from 60 if you have left work, or from 65 either way, once you have at least 120 monthly contributions.
Access age 2
The PERA law allows distributions from age 55.
Access age 3
Employers owe staff who stop work at 60 to 65 after five or more years’ service at least half a month’s salary for each year; retail, service and farm employers with ten or fewer staff are exempt.
FIRE Planner · Philippines
What your Philippines FIRE plan has to get right.
An SSS pension needs at least 120 monthly contributions and starts at 60 if you have left work, or at 65. Add the pension you expect as income that continues after you stop working, and the FI number nets it off what your savings must cover.
Medical costs in Nivritee rise at their own rate rather than general inflation; insurers in WTW’s survey project a 16.1% medical cost trend for the Philippines in 2026.
Prices are grown at 3%, the Bangko Sentral ng Pilipinas’ inflation target for 2026 to 2028. Like every rate in the plan, you can change it.
Working abroad and planning to settle in the Philippines? Nivritee holds a Gulf deposit, US shares and peso savings in one peso plan, and its ledger shows the years before your SSS and PERA open.
The Philippines publishes family income rather than household wealth, so your peer percentile compares your household’s income with Filipino families in the PSA’s Family Income and Expenditure Survey, and the card says so.
Why Nivritee for Philippines
The FIRE Planner, joined to everything else your household runs.
Your Philippines plan reads the same figures as the other five pillars — what you hold, earn, spend and owe, in whichever countries they are in.
Portfolio Tracker
Multi-currency portfolio and net-worth tracker
Stocks, funds and deposits from every country you invest in, valued daily in one home currency, with your real return (XIRR).
Portfolio Tracker →Money Manager
Personal finance for income, spending, loans and goals
What you earn, spend and owe, benchmarked against your country, your city and each kind of inflation.
Money Manager →Family Finance
Family finance for couples, with sharing you control
Plan as a couple with your own logins, choose what each of you sees, and give your CA or lawyer read-only access.
Family Finance →Niv
Free AI financial assistant
Analyses your portfolio, spending, buckets and plan, runs what-ifs on the real projection, and explains. You decide.
Niv →Freedom Ladder
A four-bucket strategy for your money
Survival, Sustenance, Sufficiency, Surplus: how much belongs in each bucket, and whether it is in something that bucket can use.
Freedom Ladder →What only Nivritee does
A FIRE calculator that knows what you already hold.
FIRE calculators start from a figure you type. The FIRE Planner starts from everything your household holds, in every country, in one currency — and plans for both of you.
Every country, one currency
Indian mutual funds, US stocks, a UK fund and a Gulf deposit in one household figure, converted daily into your home currency.
Tracking and planning, joined up
What you hold today feeds the projection of when you could stop. Portfolio trackers do not plan; FIRE calculators do not track.
Built for a family, not one login
Two people, one plan, each choosing what the other sees — and your CA or lawyer sees exactly what you share, read-only.
Benchmarked against your country
Fourteen markets’ inflation, schemes and household surveys, so your spending and your percentile are measured where you live.
An assistant that runs the real numbers
Ask Niv a what-if and she runs it on your own projection and reports both figures — she never guesses at arithmetic.
Free, with nothing to sell
No fee, no commissions, no products. Nobody at Nivritee can open your plan.
FIRE calculator Philippines · questions
FIRE in Philippines: questions people ask.
How much do I need to retire early in the Philippines?
The common rule of thumb is 25 times a year’s spending: a 4% first-year withdrawal, raised with inflation, lasted at least 30 years through US market history in William Bengen’s 1994 study. Nivritee’s FI number for the Philippines uses a more cautious 3.5% withdrawal rate — about 29 times a year’s need — allows for tax on withdrawals, adds your goals and nets off your SSS pension and other income that keeps paying.
When can I claim my SSS pension?
From 60 if you have left employment, or from 65 whether or not you still work, once you have at least 120 monthly contributions. PERA savings can be paid out from 55.
Can I retire early in the Philippines if I am not Filipino?
The Philippine Retirement Authority’s Special Resident Retiree’s Visa is open from age 40, with a US-dollar deposit that is smaller when you show a qualifying pension. Nivritee projects in pesos with savings held in any currency.
Is there a free FIRE calculator for the Philippines?
Yes. Nivritee’s FIRE Planner is free, with no paid tier. Once you have an account it asks eight questions — about two minutes — and projects your plan year by year in pesos with Philippine inflation, medical cost growth and your SSS, PERA and Pag-IBIG MP2. You get your FI number, a 0–100 Financial Freedom Index, eight stress tests and how your household income compares with Filipino families.
Find your FI number for Philippines.
About two minutes to a first answer from eight figures, then add your holdings, your partner and the detail at your own pace. Free, no bank login, and nobody at Nivritee can open your plan.
Start free