Retirement Savings Calculator
Use this quick calculator to estimate how much your savings could grow by your target retirement age. For a personalized, tax-efficient retirement roadmap, book a consultation with Sarah.
Retirement Savings Calculator
Get a quick estimate of your retirement nest egg based on your current savings and monthly contributions.
Projected savings at age :
This is an estimate only and does not account for inflation, taxes, or market volatility. For a personalized, tax-efficient retirement roadmap, talk to a CPA.
Book a Free ConsultationFrequently Asked Questions
Sarah Saavedra-Songalia, professionally known as Sarah Songalia, is a Philippine Certified Public Accountant, Certified Management Consultant, business and financial advisor, entrepreneur, and educator with more than 25 years of experience in accounting, taxation, financial management, advisory, and business consulting. Her work spans business finance and transformation, succession and family-business continuity, estate and wealth planning, and financial education.
CTEP® stands for Chartered Trust and Estate Planner. It is a professional designation for estate and trust planning requiring rigorous training in Philippine estate law, taxation, insurance, and succession structures — one of the rarest and most relevant credentials for this work in the Philippines.
Under the TRAIN Law (RA 10963), the estate tax rate is a flat 6% on the net taxable estate after allowable deductions, including a standard deduction of ₱5,000,000. Without proper planning, business owners can face significant liquidity challenges when heirs need to pay this tax.
Yes. Life insurance proceeds paid to a named irrevocable beneficiary are generally exempt from estate tax in the Philippines. They also provide immediate cash to pay the estate tax and maintain business operations while the estate is being settled.
