Terms of Use & Disclaimer

By using masyado.com (the "site"), you agree to these terms. If you do not agree, please do not use the site. Our Privacy Policy explains how we handle personal information.

Estimates only, not advice

All calculator results and articles on this site are estimates for general information only. They are not financial, tax, accounting, or legal advice. Your actual pay, contributions, taxes, and benefits may differ because of your employer's policies, your specific circumstances, rounding methods, or changes in laws and rates.

Before making decisions, confirm with your employer, a qualified professional, or the relevant government agency, such as the Bureau of Internal Revenue (BIR), Social Security System (SSS), PhilHealth, Pag-IBIG Fund, or the Department of Labor and Employment (DOLE).

Using the site or emailing us does not create an accountant-client, lawyer-client, or any other professional relationship.

Accuracy of rates

We try to keep rates and rules up to date and show the effective date and official source on each calculator. However, we cannot guarantee that every figure is current, complete, or error-free. If you notice an error, please tell us at hello@masyado.com.

Use of the site

• You may use the site and its calculators for personal use and for internal reference at work.
• You may not resell, scrape, or republish the calculators or content.
• Do not attempt to disrupt, overload, or gain unauthorized access to the site.

Availability

We may change, suspend, or remove any calculator, article, or part of the site at any time without notice.

Feedback

If you send us suggestions or corrections, we may use them to improve the site without any obligation to you.

Intellectual property

The site's design, text, and code are owned by the operator of Masyado unless otherwise noted. Laws, rates, and official issuances we reference are public government works; we cite and link to the official source for each.

Links to other websites

We link to official sources and other sites for your convenience. We are not responsible for their content or availability.

Limitation of liability

The site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, the operator of Masyado is not liable for any loss or damage arising from your use of, or reliance on, the site or its results, except where liability cannot be excluded under Philippine law.

Changes

We may update these terms. Changes take effect when posted on this page.

Severability

If any part of these terms is found unenforceable, the rest remains in effect.

Governing law

These terms are governed by the laws of the Republic of the Philippines.

Contact

Questions? Email hello@masyado.com.