Professional Stability Dashboard

Organizing the invisible foundations of your freelance business.

The Voluntary Foundations

You work from home, so no HR deducts these for you. If you stop paying, you lose your safety net. You must register as a Voluntary Member.

The most versatile safety net. Covers sickness (cash allowance), maternity, disability, and retirement pension.

Cost: ~14% of Monthly Salary Credit (MSC).
Example: earning ₱20k/mo → Pay ~₱2,800/mo.

Deadline: Last day of the following month.
Example: Pay Jan dues by Feb 28.

Subsidizes hospital bills. CRITICAL: You cannot use this if you have missed payments prior to hospitalization.

Cost: 5% of Basic Monthly Income.
Floor: ₱500/mo. Ceiling: ₱5,000/mo.

Deadline: Last working day of the applicable month (or quarter).

Offers housing loans and the high-yield MP2 Savings program (tax-free dividends).

Cost: Minimum ₱200/mo.
Recommended: Pay more to increase savings.

Deadline: 10th day of the following month.

Build the professional foundations that sustain your client work.