Tool
Where should you park your pesos?
Enter an amount and how long you can lock it. See the best post-tax rate, your real return after inflation, and how to split a large balance to stay PDIC-insured. The gap between a Big-4 bank and a digital one is roughly 50×.
Best dependable rate for this horizon
Tonik Digital Bank
12-month Time Deposit · 12 months
| Bank / product | Gross | Post-tax | Real | 1-yr interest |
|---|---|---|---|---|
| Tonik Digital Bank 12-month Time Deposit · 12 months · caps at ₱250,000 Tonik Deposit Interest Rates page (Old Rate | New Rate table, new rate effective 5 June 2026) | 5.50% | 4.40% | 1.36% | ₱11,000 |
| Tonik Digital Bank 9-month Time Deposit · 9 months · caps at ₱250,000 Tonik Deposit Interest Rates page (new rate effective 5 June 2026) | 5.00% | 4.00% | 0.97% | ₱10,000 |
| Tonik Digital Bank 6-month Time Deposit · 6 months · caps at ₱250,000 Tonik Deposit Interest Rates page (new rate effective 5 June 2026) | 4.50% | 3.60% | 0.58% | ₱9,000 |
| Metrobank Online Time Deposit · 1–12 months Metrobank Online Time Deposit (rates eff. 15 May 2026) | 4.13%–5.00% | 3.30% | 0.29% | ₱16,500 |
| MariBank Upfront Time Deposit · 3 months · unverified at the last sweep — last confirmed rate, confirm with the bank MariBank Time Deposit help-centre article | 3.75% | 3.00% | 0.00% | ₱15,000 |
| CIMB Bank PH MaxSave Time Deposit · 3–12 months CIMB MaxSave Time Deposit rate advisory (rates effective 1 June 2026) | 3.25%–4.00% | 2.60% | -0.39% | ₱13,000 |
| Maya Bank Time Deposit Plus (boosted) · 3, 6, or 12 months · unverified at the last sweep — last confirmed rate, confirm with the bank Maya Time Deposit Plus product page | 3.00%–6.00% | 2.40% | -0.58% | ₱12,000 |
| Maya Bank Savings (base rate) · on-demand (liquid) Maya High-Interest Savings page | 3.00% | 2.40% | -0.58% | ₱12,000 |
| GCash GSave (via CIMB) · on-demand (liquid) CIMB Bank PH FAQ — GSave account interest rate (base cut to 2.30% p.a. effective 1 June 2026) | 2.30% | 1.84% | -1.13% | ₱9,200 |
| BDO Unibank Regular Peso Time Deposit · 30–360 days · unverified at the last sweep — last confirmed rate, confirm with the bank BDO Peso Time Deposit product page | 0.13%–0.50% | 0.10% | -2.82% | ₱500 |
| BPI Regular Peso Time Deposit · 30 days–1 year · unverified at the last sweep — last confirmed rate, confirm with the bank BPI Time Deposit Accounts page | 0.13%–0.50% | 0.10% | -2.82% | ₱500 |
Ranked by the dependable low end of each gross rate, after the 20% CMEPA final withholding tax. Real return uses 3.00% PH inflation (Fisher). Conditional and promo rates reach higher than the dependable figure shown — see each row’s source. Rates change without notice; figures are illustrative.
What this means
Tonik Digital Bank 12-month Time Deposit leads at 4.40% post-tax (5.50% gross, less the 20% CMEPA tax) — about ₱11,000 in the first year on ₱250,000.
Real return after 3.00% inflation is 1.36% — what your money actually gains in purchasing power, not the headline rate.
A Big-4 regular peso time deposit (BDO Unibank, 0.10% post-tax) would earn about ₱500 — roughly ₱10,500 less per year on the same balance.
Tonik Digital Bank caps the earning balance at ₱250,000 per account — the rest of your ₱500,000 earns nothing there. Ladder the excess into the next-best rate.
Maya’s headline 6% is conditional on hitting a declared target amount and date — the dependable base is far lower, which is what the ranking uses.
Methodology, formula + sources
How this is calculated
Each product's gross rate is taken from its published rate sheet, then taxed at the 20% CMEPA final withholding (RA 12214) to a post-tax rate. The real return adjusts that for Philippine inflation using the Fisher equation. Products are ranked by the dependable low end of the gross range — promo and boosted rates that need conditions are shown but not used for ranking. First-year interest applies the post-tax rate to your balance, capped where a product limits its earning balance. PDIC laddering splits a balance above the per-bank insured ceiling.
Formula
postTax = gross × (1 − CMEPA%) (CMEPA = 20%) real = ((1 + postTax/100) / (1 + cpi/100) − 1) × 100 (Fisher) earning = min(balance, productCap) interest = earning × postTax/100 (first year, simple) banks = ⌈ balance / PDIC_coverage ⌉ (to stay fully insured)
Constants + data sources (each dated)
| Value used | Source | As of |
|---|---|---|
| CMEPA final withholding tax: 20% on peso deposit interest (RA 12214) | LiveInPH PH deposit-rate ledger | 2026-07 |
| PH headline inflation: 3.0% YoY | Bangko Sentral ng Pilipinas inflation report / Philippine Statistics Authority CPI | 2026 |
| PDIC coverage: ₱1,000,000 per depositor per bank (since 15 Mar 2025) | PDIC, via the deposit-rate ledger note | 2025-03 |
| Top published rate (example): Tonik Digital Bank 12-month Time Deposit — 5.50% gross | Tonik Deposit Interest Rates page (Old Rate | New Rate table, new rate effective 5 June 2026) | 2026-06-05 |
Worked example (reproduce this by hand)
₱500,000 in a Tonik Digital Bank 12-month Time Deposit at 5.50% gross, 3.0% inflation.
- post-tax = 5.50% × (1 − 20%) = 4.40%
- real = ((1 + 4.40/100) / (1 + 3.0/100) − 1) × 100 = 1.36%
- interest = ₱500,000 × 4.40% = ₱22,000 (first year)
→ 4.40% post-tax, 1.36% real, ≈ ₱22,000 interest. Same numbers in code, ledger, and tests.
Assumptions
- Ranking uses the dependable low end of each gross rate; conditional/promo rates (Maya’s boosted 6%, Security Bank’s promo) reach higher but are not guaranteed.
- First-year interest is simple (no compounding) and ignores MariBank’s upfront-payout mechanic.
- PDIC coverage is PHP 1,000,000 per depositor per bank; the ladder assumes distinct banks or depositors with no offsetting balances.
Known limits — what this does not model
- Does not model early-withdrawal penalties, rate changes over the term, or tax on non-deposit instruments (MP2, bonds, UITFs).
- Big-4 and BPI rows are representative bands — those banks do not publish their regular peso TD rate sheets online.
- Inflation uses the latest headline CPI anchor, not a forecast over the deposit term.