est. 2026 · manila

Free toolsfor Filipinos.

Browse the tools →Read the philosophy

§ 01

The tools

52 live · more in the workshop

01● live

Vehicle Cost

Compare 10-year cost: diesel vs hybrid vs EV.

02● live

Car Loan

Monthly payment, total interest, full amortization with chattel fees.

03● live

Car Insurance

Ballpark CTPL or comprehensive premium, then compare partner quotes.

04● live

Credit Card

Find the right PH card by intent — cashback, miles, low income.

05● live

Solar Payback

When does rooftop solar pay for itself in your home? Year-by-year cashflow across the 25-year panel life.

06● live

Condo vs Rent

Should you buy, or keep renting?

07● live

PDF Password Remover

Strip the password off a PDF you own — runs in your browser, file never leaves.

08● live

DOCX to PDF

Convert a Word file to PDF locally. No upload, no watermark, no signup.

09● live

Net Pay

Real monthly take-home after BIR tax, SSS, PhilHealth, and Pag-IBIG.

10● live

13th Month / Final Pay

Compute 13th month, final pay, or separation pay — pro-rated correctly.

11● live

BIR Tax

BIR income tax for employed + self-employed. 8% vs graduated, side-by-side.

12● live

SSS / PhilHealth / Pag-IBIG

Look up your contributions and employer share by salary.

13● live

Pag-IBIG MP2 + Housing

MP2 maturity at the latest dividend rate, plus housing-loan amortization across all rate tiers.

14● live

Remittance Compare

Wise vs Remitly vs Western Union vs GCash International — real PHP received across four corridors.

15● live

Digital Bank Rates

Maya, GoTyme, CIMB, SeaBank — compare interest on your idle peso.

16● live

PHP FX True Cost

USD/SGD/AED/SAR → PHP after the hidden spread, not the mid-rate.

17● live

Meralco Bill

Estimate your next bill by kWh and appliance hours, with bracketed rates.

18● live

Toll Calculator

NLEX, SLEX, Skyway, CAVITEX — the full drive in one number.

19● live

Water Bill

Maynilad or Manila Water — estimate by cubic meters used.

20● live

Telco Plan Match

Globe, Smart, DITO — which plan fits your actual data and minutes.

21● live

Property Sale Taxes

Capital gains, DST, transfer tax — the seller's full tax bill, itemized.

22● live

Shopee / Lazada Fees

Commission, payment, and shipping fees — what you take home per sale.

23● live

Grab / Foodpanda Net

Driver or rider take-home after commission, fuel, and incentives.

24● live

PSE Trade Cost

Commission, VAT, PSE + SCCP fees, and 0.6% sales tax — what you actually pay per buy and sell.

25● live

LTO Fees

Registration, renewal, transfer, conversion — by vehicle type, with EV discount.

26● live

Image Background Remover

Cut the background out of any photo — runs in your browser, image never leaves, transparent PNG out.

27● live

Christmas Bonus

How much of your Christmas bonus you'll keep — ₱90K ceiling and bracket withholding.

28● live

Alarm Clock

Simple browser alarm — pick a time, label, and tone. Rings even with the tab in the background.

29● live

Grocery Unit Price

Tipid math — which pack is actually cheaper per gram, ml, or piece. Bigger isn't always cheaper.

30● live

Life Insurance Coverage

DIME method — Debt + Income + Mortgage + Education, minus existing coverage, with a 10× sanity check.

31● live

Term vs VUL Break-Even

Buy term and invest the difference, or pay 5× more for a VUL? Year-by-year compounding, with the break-even year flagged.

32● live

Debt Snowball vs Avalanche

List your credit cards and loans. See which strategy clears them fastest — smallest balance first vs highest APR first.

33● live

Retirement Number

How much you need to retire in PH — inflation-adjusted expenses minus SSS, divided by safe withdrawal rate, with monthly contribution to close the gap.

34● live

FMETF vs MP2 vs UITF vs RTB

Apples-to-apples comparison after fees and tax. Pick the vehicles you're considering, see who ends up with the most pesos.

35● live

Freelance Hourly Rate (After Tax)

Side-hustle math after BIR. Compares 8% flat vs graduated regime, factors in business expenses and voluntary contributions, returns your true post-tax hourly rate.

36● live

Appliance kWh Cost

Pinpoint which appliances eat your Meralco bill. Edit wattage, hours per day, and rate — see peso cost per hour, day, month, and each appliance's share.

37● live

Aircon BTU Sizing

Right-size your aircon for tropical PH heat. Room area, ceiling, sun exposure, occupants, room type — pick the HP class that won't choke or short-cycle.

38● live

Internet Plan ₱/Mbps

Cut through ISP marketing. Compares PLDT, Globe, Converge by ₱/Mbps actually delivered — factors in installation fee, real-world delivery %, and lock-in length.

39● live

LPG Cost Per Cooking Hour

Real peso-per-hour cost of your stove. Tank price, burner BTU, efficiency — see ₱/hr, ₱/day, tank days, and monthly gas bill. Petron Gasul, Solane, Shellane.

40● live

Domestic Flight True Cost

Web fare is never what you pay. Sum admin fee, checked bag, seat select, insurance, and terminal fee across passengers and legs for Cebu Pacific, PAL, AirAsia.

41● live

Promotion vs Job Switch

Counter-offer or new offer? Models 3-year take-home, signing bonus, raises, commute change, and a risk haircut against PH BIR graduated tax — verdict + breakeven year.

42● live

Renovation Budgeter

Per-sqm PH benchmarks for condo and house renovation. Scope, finish tier, NCR vs province, aircon, permits, architect's fee, and contingency — one realistic number.

43● live

Position Size & Stop-Loss

2% rule for PSE traders. Account, entry, stop → exact shares rounded to board lots, R-multiple, and the break-even move that pays for PSE roundtrip fees.

44● live

US Stocks: True Cost from PH

FX spread, broker commission, 30% US dividend WHT, annual custodian — model COL Halo, FirstMetroSec, BPI Trade, GoTrade, IBKR, eToro, Schwab over your horizon.

45● live

Used Car Fair Price

PH depreciation curve × brand retention × body type × mileage × condition. Toyota holds value, diesel pickups hold value, sports coupes don't. ±10% range.

46● live

Motorcycle TCO

5-year all-in cost: cash + financing + fuel + maintenance + insurance + LTO + depreciation. Underbone vs scooter vs sport vs big bike — personal or delivery rider.

47● live

Crypto Exchange Fees

Coins.ph vs Binance PH vs PDAX vs Maya. True cost = spread + trading fee + withdrawal fee. Convenience UIs hide ~2%; real spot exchanges charge ~0.1%.

48● live

Transfer Fees

GCash, Maya, InstaPay, PESONet, cash-in/out — ranked by total ₱ cost. Same-app wallet is free; InstaPay instant up to ₱50K; PESONet handles ₱5M in batches.

49● live

Salary Benchmark

P25 / P50 / P75 monthly base by industry × tenure × region. 12 industries, 6 career stages, 5 regions. Enter your salary to see your percentile vs market median.

50● live

OFW Visa Cost

Upfront cost from Manila to 10 top OFW destinations. Visa + DFA + NBI + OWWA + PhilHealth + PDOS + medical + agency fee. Plus typical processing-time range.

51● live

PSEi DCA Simulator

₱X/month into PSEi since 2010 — what's it worth today? Backtest with official PSE year-end closes 2010–2025. Models fund expense ratio + dividend reinvestment.

52● live

Solar Panel Sizing

Monthly kWh → required kWp + panel count + roof area + install cost. PH sun zones (NCR/Visayas/Mindanao/highlands). Upstream of Solar Payback.

§ from the journal

Read it, then run the numbers.

Article · April 2026

EV vs Diesel vs Hybrid Philippines 2026: 10-Year Real Cost

Which is really cheaper in the Philippines? A data-driven 10-year cost comparison using live DOE fuel prices and PH vehicle data.

Read article →

All articles →

§ 02 · A short manifesto

How this site works

Local-first

Every calculator runs entirely in your browser. No accounts, no servers, no analytics on your numbers. Close the tab and the math disappears with it.

Every number is editable

We don't hide assumptions behind a 'calculate' button. Fuel price, interest rate, depreciation curve — tap it, change it, see the answer move.

Built for PH reality

Peso denominations. LTO fees. PH fuel prices and brownouts. Meralco brackets. Designed for how things actually work here, not a US template.

Free, and staying free

No paywalls, no 'pro tier,' no newsletter gate. If a tool is useful it's here. If it's not ready, it's marked soon.

§ 03

About

arcitools is a one-person project by a Manila-based engineer, building the calculators they wished existed. No VC, no team, no roadmap deck. Shipping one honest tool at a time.

hi@arcitools.com ↗

/ letter from the maker

Hi — I kept opening Excel every time I had to decide something — a car, a solar system, a mortgage refix. The spreadsheets were always someone else's assumptions. So I'm building small, honest calculators. You see every input. You change what you disagree with. The tool updates.

— the maker

Quezon City, 2026