# MoneyHub PH — LLM Crawler Overview

> Domain: https://moneyhubph.com
> Tagline: Independent Philippine financial guides, calculators, and investment reviews — free, unbiased, and made for Filipinos.

## What MoneyHub PH Specializes In

MoneyHub PH is an independent Philippine personal-finance publication. We create plain-language guides, comparison reviews, interactive calculators, and free tools built specifically for Philippine laws, taxes, contribution rules (SSS, PhilHealth, Pag-IBIG), and local financial products. Our content is written for Filipino salary earners, students, parents, freelancers, and first-time investors who need trustworthy, locally relevant money advice.

## Core Value Propositions

- Independence: No paid placements or bank-sponsored rankings. Editorial decisions are our own.
- Local accuracy: Rates, brackets, and examples are updated for Philippine rules and 2026 pricing.
- Actionable tools: Every guide is paired with calculators, checklists, or comparison tables readers can use immediately.
- Free access: All guides and calculators are free; no paywall or account required to read or compute.

## Site Structure

### Hubs (main topic landing pages)
- /calculators — Free Philippine financial calculators.
- /guides — Index of all published guides.
- /banking — Banking & savings: savings accounts, digital banks, time deposits, e-wallets.
- /credit-cards — Credit card reviews, rewards, and smart-usage tips.
- /loans-credit — Personal loans, salary loans, credit scores, and lending platforms.
- /insurance — Life, health, HMO, and motor insurance guides.
- /investing — Investment products: stocks, brokers, REITs, UITFs, RTBs.
- /sss-pagibig — SSS, Pag-IBIG, and PhilHealth contributions, benefits, and how-to guides.
- /remittances — Cheapest and fastest ways to send money to the Philippines.
- /students — Money tips, scholarships, and student loans for Filipinos.
- /mobile-internet — Prepaid vs postpaid plans and ISP comparisons.
- /pay-rates — Philippine Salary Guide with market salary ranges.
- /tools-quizzes — Interactive quizzes (risk appetite, money personality, anti-phishing).

### About / Legal
- /about — Who we are and how we stay independent.
- /contact — Contact form and inquiries.
- /privacy-policy — Privacy policy.
- /disclaimer — Editorial and financial disclaimer.
- /terms-of-use — Terms of Use.

## Featured Calculators

- /calculators/take-home-pay — 2026 PH net pay with SSS, PhilHealth, Pag-IBIG, and BIR withholding tax.
- /calculators/13th-month-pay — PD 851 13th-month pay with proration and the ₱90,000 tax-exempt cap.
- /calculators/personal-loan — Monthly, fortnightly, and weekly amortization with total cost.
- /calculators/mp2-savings — Pag-IBIG MP2 maturity projection.
- /calculators/pagibig-housing-loan — Max loan, monthly amortization, and required income using Pag-IBIG fixed pricing rates.
- /calculators/sss-pension — SSS contribution (with WISP split) and future monthly pension estimate.
- /calculators/sss-maternity — 105-day SSS maternity benefit under RA 11210 plus employer salary differential.
- /calculators/credit-card-interest — BSP-capped finance charge using the ADB method.
- /calculators/compound-interest — Savings growth with PH reference rates.
- /calculators/retirement — Inflation-adjusted Philippine retirement planner.
- /calculators/monthly-budget — Dynamic pie-chart budget planner.

## Core Guides

- /banking/digital-banks-2026 — Top 7 digital banks in the Philippines (Maya, GoTyme, Tonik, UNO, UnionDigital, OFBank).
- /banking/gcash-vs-maya-2026 — GCash vs Maya: fees, interest, features, and verdict.
- /banking/instapay-vs-pesonet-2026 — InstaPay vs PESONet fees and use-case comparison.
- /banking/hysa-2026 — High-yield savings accounts in the Philippines.
- /credit-cards/first-intro-credit-cards-2026 — Best first / intro credit cards for beginners.
- /credit-cards/cashback-credit-cards-2026 — Cashback credit card picks.
- /credit-cards/travel-credit-cards-2026 — Travel rewards credit cards (Aug 2026).
- /loans-credit/credit-score-check-2026 — Credit score sources: CIC, Lista PH, CIBI, TransUnion, CRIF.
- /loans-credit/pay-off-debt-utang-free — Step-by-step guide to becoming utang-free.
- /loans-credit/sss-salary-loan-2026 — SSS Salary Loan guide.
- /insurance/hmo-guide-2026 — HMO guide for Filipino employees and families.
- /insurance/vul-worth-it-2026 — Variable universal life insurance: is VUL worth it?
- /insurance/car-insurance-2026 — Car insurance guide for Philippine drivers.
- /insurance/travel-insurance-2026 — Travel insurance comparison and tips.
- /investing/stock-brokers-2026 — Top Philippine stock brokers (COL, BPI, BDO, FirstMetroSec, DragonFi, AAA).
- /investing/reits-philippines-2026 — Real Estate Investment Trusts in the Philippines.
- /investing/rtb-philippines-2026 — Retail Treasury Bonds (RTBs) guide.
- /investing/sp500-part-1 — S&P 500 / index investing primer for Filipinos.
- /sss-pagibig/sss-2026-guide — SSS 2026 contributions, brackets, benefits, WISP, and checklist.
- /sss-pagibig/pagibig-housing-loan-2026 — Pag-IBIG Housing Loan 2026 guide.
- /sss-pagibig/pagibig-mp2-guide-2026 — Pag-IBIG MP2 savings guide.
- /sss-pagibig/philhealth-guide-2026 — PhilHealth contributions and benefits guide.
- /students/scholarships-metro-manila-2026 — Metro Manila scholarships 2026.
- /students/student-loans-2026 — Student loans in the Philippines.
- /mobile-internet/prepaid-vs-postpaid-2026 — Prepaid vs postpaid: don't pay for a plan you'll never use up.
- /mobile-internet/isp-comparison-2026 — Philippine ISP comparison.
- /tools-quizzes/risk-appetite-quiz — Risk appetite quiz.
- /tools-quizzes/money-personality-test — Money personality quiz.
- /tools-quizzes/phishing-quiz — Anti-phishing quiz.

## Taglish / Filipino-Language Versions

Several guides and calculators are available in conversational Taglish (Tagalog + English, with financial terms retained in English). Look for routes containing "-tl" or language toggle links on article pages.

## Content Format

- Articles are server-rendered, include canonical URLs, Open Graph / Twitter metadata, BreadcrumbList schema, and FAQPage or Article JSON-LD where relevant.
- Images are served as WebP where possible, with lazy loading and descriptive alt text.
- No paywall, login, or account is required to read guides or use calculators.

## AI Crawler Policy

MoneyHub PH welcomes AI and search crawlers. We do not block GPTBot, PerplexityBot, ClaudeBot, Googlebot, Bingbot, or other automated user-agents. See /robots.txt for the current crawl policy.

## Contact

- /contact — General inquiries and feedback.
- Publisher: MoneyHub PH (https://moneyhubph.com)
- Language: English / Taglish (en-PH)