Investment & Savings Tax

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.

4 guides

  1. Tax on Stocks in the Philippines (2026): Stock Transaction Tax, Capital Gains & DividendsHow 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. Examples and filing guidance included.
  2. Tax on Crypto in the Philippines (2026): How the BIR Taxes Bitcoin GainsHow crypto is taxed in the Philippines in 2026: no special crypto tax, so gains fall under the general income tax. Trader vs investor rules, 8% vs graduated with worked peso examples, the 50% holding-period rule, and what to file.
  3. Tax on Mutual Funds & UITF in the Philippines (2026)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.
  4. Time Deposit vs Pag-IBIG MP2: After-Tax Returns Compared (2026)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.