Explore possible costs, targets, and protection gaps with simple educational estimates—then discuss the numbers that matter with a trusted advisor.
Answer eight questions about financial support, debt, emergency readiness, savings, and existing coverage. Receive a personalized report and let Malou review your result for follow-up.
Choose a calculator to open it. You can change the figures and recalculate as often as you like.
Projects the desired allowance to retirement, multiplies it by the selected payout period, and compares the result with your existing retirement provision.
Projects annual household medical spending and adds an emergency buffer. This is not an HMO premium or medical-cost quotation.
Estimate the regular saving needed for a future goal such as a home, business, travel, or family milestone.
See an illustration of how inflation can increase future prices and reduce purchasing power.
Uses income replacement, debts, education and final expenses, less available assets and existing coverage. It is not a quotation or recommendation.
Add the main categories to estimate your surplus and savings rate.
Choose or enter a school, add its latest annual tuition and related-cost estimate, and project the possible education shortfall. School fees are not hard-coded because they change.
Compare an approximate illness and recovery reserve with existing health savings and coverage. This is not a diagnosis, benefit quotation, or medical-cost guarantee.
Estimate a planning amount using an adjustable tax-rate assumption, deductions, and existing provision. Estate taxation is legally complex—verify all figures with a Philippine tax or estate professional.
Review priorities, assumptions, affordability, product terms, and provider requirements with a qualified professional.
Important: These tools provide simplified educational illustrations only. Results are not financial, investment, tax, medical, insurance, or legal advice; not a product quotation; and not a guarantee. Actual needs, returns, inflation, costs, premiums, benefits, exclusions, underwriting, and eligibility vary. Do not enter sensitive personal information.
Maria Lourdes “Malou” Nunag's Financial Buddy AI assistant · Online