MadaGlobal Sahod

MadaGlobal Sahod is an offline calculator that shows what is actually left of
your sahod after SSS, PhilHealth, Pag-IBIG, tax and every utang you are paying
— and warns you before a cutoff drops below the minimum you need to live on.

It does not lend money, arrange loans, or refer you to any lender. There is no
account, no cloud, and no internet connection: everything is computed on your
phone from figures you type in yourself.

WHAT YOU SEE FIRST
Your semi-monthly gross salary flows down a deduction waterfall — SSS,
PhilHealth, Pag-IBIG and withholding tax come off first, then every utang you
are still repaying, until what is left is your real take-home. A survival line
runs across the whole chart, so you can see at a glance how much room is left
before payday gets tight. Swipe between the 15th and 30th cutoff to compare.

THE SURVIVAL LINE
Set your own minimum living costs per cutoff — rent, food, transpo, load and
anything else. The app compares your take-home against that line and shows a
plain green / yellow / red signal:
- Green: comfortable room above the line
- Yellow: getting close, watch this cutoff
- Red: below the minimum you set for yourself
Optional reminders can warn you three days before a cutoff is heading into
yellow or red — only if you switch them on.

KAYA PA BA? — THINK BEFORE ONE MORE UTANG
Considering another repayment? Type in the amount, the term and which cutoff it
lands on. In one tap you see how your take-home for the next six cutoffs would
change, and exactly which months would fall below your survival line. Save the
what-if as a snapshot to compare later.

ON-DEVICE STATUTORY MATH
The 2026 Philippine SSS, PhilHealth, Pag-IBIG and TRAIN tables are built into
the app. It works out each cutoff's statutory deductions for you, or you can
switch to manual and enter your own totals. Tap any bar in the waterfall to see
how a number was reached.

EVERYTHING IN ONE PLACE
- Cutoff calendar: a month view with a color dot on every 15th and 30th, up to
12 months ahead
- Utang ledger: track each repayment you owe — source, amount, cutoff, terms
paid and an optional photo of the slip — with a small celebration when one is
finally paid off
- Take-home trends: a line chart of past and projected cutoffs against your
survival line, with plain-language insights
- Near-payday nudge (optional): a private reminder of your own take-home when
you are near a place you marked yourself, and only around payday

PRIVATE BY DESIGN
No account. No login. No cloud. No internet connection at all. Every figure
lives only on your phone, and you can export a backup to Files whenever you
want. Notifications, location and camera are all optional and are only asked for
when a feature you tap actually needs them.

A CALCULATOR, NOT A LENDER
MadaGlobal Sahod does not lend money, arrange loans, refer you to any lender, or
charge interest or fees. It has no accounts and makes no network requests — it
only does arithmetic on figures you type in, on this phone. The words "loan" and
"utang" appear throughout because those are the things you are tracking; they
are labels on your own records, not products offered here.

New here? Tap "Try with example numbers" to fill every screen with a realistic
Philippine dataset in one tap, then clear it any time from Settings.