Tax on stocks, crypto, funds & savings
How investment and savings income is taxed in the Philippines, from stocks, dividends, and crypto to mutual funds, time deposits, and the tax-free Pag-IBIG MP2.
How stocks are taxed in the Philippines in 2026: 0.1% stock transaction tax on PSE-listed shares, 15% capital gains tax on unlisted shares, and 10% final tax on dividends. Worked examples included.
Read guide →How the BIR taxes Bitcoin and crypto gains in the Philippines for 2026: ordinary income tax (0-35%), the 8% option, VAT, record-keeping, and the honest legal uncertainty around a "15% crypto CGT."
Read guide →How mutual funds and UITFs are taxed in the Philippines in 2026: why redemption gains are generally tax-free for the investor, how CMEPA (RA 12214) changed the rules, and how they compare to time deposits.
Read guide →Since CMEPA (RA 12214) took effect July 1, 2025, bank time deposit interest is taxed a flat 20%, while Pag-IBIG MP2 dividends stay tax-free. See the after-tax math, worked Philippine examples, and how to report each correctly.
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