MY LAYA PH · FINANCIAL CHECKPOINT
Retirement is one of three things that decide whether you're actually free. Here's where you stand on all three — computed from your own numbers, with nothing to buy at the end of it.
₱299 ₱199 — I-follow kami sa Facebook at TikTok, then i-message ang username mo para ma-claim.
"Most Filipinos do not have a clear and achievable financial goal simply because they've never had a financial plan built for them. Most financial planners give advice with the purpose of selling their offered product — which leaves people less educated about their own finances, not more."
— a 25-year Philippine insurance industry veteran and certified estate planner
The free calculator you just used told you one number: your retirement gap. That's a third of the picture. The Checkpoint tool computes all three — Retirement, Emergency, and your Future Fund goals — and turns them into a single score.
Filipinos, hindi pa handa sa retirement. Alamin kung nasaan ka sa numbers na ito.
Source: Estimate from former BSP Governor Benjamin Diokno (2020), still widely cited as of late 2025.
Sample output — yours will use your own numbers.
Can I stop working without my living standard collapsing?
Your SSS pension, projected and deflated to today's peso, measured against the monthly income you actually said you want.
lang ang average na SSS pension ngayon. Sapat na ba 'yan sa buhay mo pag-retire ka na?
Source: SSS, via Philippine Information Agency, 2025–2026 Pension Reform Program data.
If something goes wrong tomorrow, do I have cash — or do I have to sell something?
Two bars, not one: enough liquid cash to keep living, and enough coverage plus cash to survive an actual hospital bill. A big HMO limit with no cash isn't a pass — the tool says so.
ng mga Pilipino, walang sapat na emergency fund. Ikaw ba, kabilang doon?
Source: Bangko Sentral ng Pilipinas, 2025 Consumer Finance and Inclusion Survey (8,784 respondents).
Can I afford the goals I've already named — on the dates I want them?
One major goal, plus a College Fund for up to four children if that applies to you. Each one gets its own honest number.
Filipinos, hindi pa nag-iinvest. Baka kasama ka rin dito.
Source: BSP Financial Inclusion Survey, via BusinessWorld, 2025.
Every clause below is printed on your actual report, not just this page.
senior citizen — walang tulong mula sa gobyerno, walang tulong mula sa pamilya. Ito ang totoo kung walang plano.
Source: Philippine Statistics Authority, 2020 Census, via DSWD.
Hindi mo kailangang maging isa pa sa mga numerong ito. Kaya nandito ang Checkpoint Tool.
Ilan lang ang makakakuha nito. I-follow ang My Laya PH sa Facebook at TikTok, saka i-message ang username mo para ma-claim ang ₱199.
Compare: a financial planning certification in the Philippines runs upward of ₱28,000. A personal finance book runs ₱300–400.
Only your email, a purchase ID, and the date, are ever stored. Your income, savings, and every number you type into the tool stays on your device and is never sent anywhere. The report is built and saved in your own browser.
No one calls you. Nothing is sold. The tool tells you what type of protection or savings vehicle you're short on and by how much — never a specific product, never a provider.
The score is a measurement, not a verdict. If your current numbers don't cover everything, the report always ends with what your current capacity already buys you — a plan you can start on Monday, even a small one.
Yes. Most people come back after a life event — a new job, a first child, getting married — rather than on a schedule.
The Checkpoint tells you exactly where it's coming from, and what closes it first.
Get the Checkpoint Tool — ₱199₱299 ₱199 para sa mga sumusunod sa amin sa Facebook at TikTok.