SmartPera helps Filipino professionals build real wealth — not just survive payday to payday. Free tools. Real strategies. Your money finally working harder than you do.
21K+
Followers
10+
Years in Finance
7
Financial Tools
OFW
Turned Author
Your Financial Health Score
0
/ 100 — Strong Foundation
Savings
80
Insurance
55
Investment
70
Retirement
40
Net Worth
PHP 14.2M
↑ Growing!
Savings Rate
42.7%
↑ On track
📱 TikTok @smartpera
📘 Facebook SmartPera SG
📗 Author — Bakit Broke Pa Rin?
🎓 RFP Philippines Graduate
🇸🇬 Singapore-Based Since 2013
Start Here — It's Free
Know exactly where your money stands.
Libreng tools para sa bawat Pilipinong OFW. No signup required. Used by thousands of Filipinos in Singapore and around the world.
📊
⭐ Most Popular
Financial Health Scorecard
Answer 10 questions. Get your personal financial health score with a full breakdown of your strengths and gaps. Takes 3 minutes.
Begin Assessment →
💚
Free
Financial Health Check
A comprehensive check across budgeting, savings, insurance, investments, and debt — all in one tool.
Start Check →
🏖
Free
Retirement Calculator
How much do you need to retire comfortably? Get your projection based on your income, goals, and timeline.
Calculate Now →
Free With Book Purchase
The SmartPera Budget App.
A complete financial command center built for OFWs. Tracks your budget monthly, monitors your net worth, manages your portfolio, and gives smart Budget Intelligence insights.
Net Worth Dashboard — assets, liabilities, total picture
📈
Portfolio Monitor — investments, insurance, loans
💡
Budget Intelligence — automatic monthly insights
SmartPera — May 2026
SGDPHP
Total Income
PHP 860,147
42.7% savings rate
Surplus
PHP 366,876
≈ SGD 7,806
Actual vs Target Allocation
Essentials11.5% ✓
Investments23.0% 🚀
Insurance6.9%
Leisure15.9% ✓
💡 Budget Intelligence
✅ Under Budget by PHP 127,097
Consider moving savings to investments.
🚀 Investing 23% — Exceeding Target!
Push toward 25-30% for faster growth.
Client Stories
Filipinos who took action.
"
Dati akong nagtataka kung saan napupunta ang sahod ko. After using the SmartPera scorecard at nakausap si Medz, may structure na ako. Malinaw na ang plano ko.
MR
Maria R.
Registered Nurse · Singapore
"
The retirement calculator opened my eyes. I thought I was saving enough. Turns out I needed a completely different strategy. Medz helped me course-correct early.
JT
Joel T.
IT Engineer · Employment Pass
"
Hindi ko alam na may insurance gap pala ako until I used the SmartPera tools. Very educational — walang pressure, pure guidance lang. Salamat Medz!
AC
Ana C.
Accountant · Permanent Resident
Free. No strings attached.
Ready to know your financial score?
3 minutes. Libre. No email required to start.
SmartPera Financial Tools
Professional-grade tools. Libreng gamitin. No signup required.
💚 Financial Health Check
Comprehensive check across budgeting, savings, insurance, investments & debt — all in one free tool.
📊 Financial Health Scorecard
Free Tool
Question 1 of 5
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Your Financial Health Score
0
Want a personalized plan based on your score?
Book a free consultation with Medz. No pressure. Just clarity.
💰 SmartPera Budget App — May 2026
Preview Mode
Monthly Income
₱860,147
≈ SGD 18,301
Total Budgeted
₱620,369
72.1% of income
Actual Spent
₱493,271
80% of budget used
Surplus
₱366,876
42.7% savings rate
Income Sources
Source
Amount
Salary
₱766,100
Lincoln Rent
₱24,957
Azure
₱7,050
Passive Investment
₱15,040
Other Income
₱47,000
Actual vs Target Allocation
Essentials11.5% (target 50%) ✓
Investments23.0% (target 20%) 🚀
Insurance6.9% (target 10%)
Leisure15.9% (target 20%) ✓
Budget Intelligence
✅ Under Budget by ₱127,097
You saved 20.5% vs plan. Move savings to investments.
Secure payment · PDF delivered instantly Budget App access on your buyer's page
FREE WITH BOOK PURCHASE
The SmartPera Budget App.
Not just a spreadsheet. A complete financial command center — tracks your budget monthly, analyzes your portfolio, monitors your net worth, and gives smart Budget Intelligence every month.
Each tool is built around a chapter. You don't just read about money — you act on it immediately.
01
Money Mindset Mirror
Reveals money habits silently blocking your growth
02
Budget Analyzer
Full breakdown with optimization steps
03
Debt Analyzer
Fastest payoff path, stop unnecessary interest
04
Risk Profile Checker
Know your investor type before putting in a single peso
05
Retirement & Education Planner
Calculate exactly how much to save monthly
06
Insurance Checker
Under-insured, over-insured, or wrong coverage?
07
Estate Planning Checker
Protect your family if something happens tomorrow
One-time purchase. Yours forever.
Break the cycle. Start today.
"Sipag mo lang ba ang puhunan mo? Kailangan mo na ring diskarte." — Medz Ron Macasaet
Educational purposes only. Not financial advice.
The Story Behind SmartPera
📗 Author · 🎓 RFP Graduate · 🇸🇬 10+ Years
Credential
RFP Philippines Graduate
Published
Author — 2nd Edition
Experience
10+ Years in Finance
Community
21K+ Followers
Medz Ron Macasaet
Personal Finance Educator · Author · Financial Services Manager
Born in Olongapo City. Raised by an OFW father and a manicurist mother. Pandesal sa utang ang almusal.
Today — author, financial coach, property investor, and founder of SmartPera. This is not a story of overnight success. Ito ay isang patunay na kahit mahirap ang simula, may pagbabago kung willing kang kumilos.
🏙
1986 — OLONGAPO CITY
Born pangalawa sa bunso sa anim na magkakapatid. Father OFW sa Kuwait. Walang ipon. Walang insurance. Pandesal sa utang ang almusal. But his parents valued education above all.
✈️
2010 — SINGAPORE
Left the Philippines as an OFW with no savings. Just dreams. Started in retail. Became one of the top salespersons. Knocked on doors. Surveyed streets.
💡
2014 — LIFE-CHANGING REALISATION
Medz realised he had been sending money home for years — but had no real asset generating income in his own name. This was the turning point that defined his entire career.
🎓
2021 — RFP GRADUATE
Graduated as an RFP Philippines Graduate — the premier financial planning credential in the country. A badge carried with humility and purpose.
🚀
2024–2026 — SMARTPERA
Promoted to Financial Services Manager. Founded SmartPera. Authored "Bakit Broke Pa Rin Ang Pinoy?" — a gift to every Filipino struggling financially. A roadmap. A spark. A legacy.
Let's Connect
Handa ka na bang ayusin ang pera mo?
Fill out the form. Singapore-based professionals get a free personal consultation with Medz. Others get redirected to the best resource for them.
🎯
Personalized Financial Review
Not generic advice — your specific situation as a Filipino professional
🔒
Zero Sales Pressure
Education first. Recommendations only when it makes sense for you
🇵🇭
Filipinos Understanding Filipinos
Remittance, OFW salary structure, balikbayan mindset — Medz gets it
Get In Touch
Tell me about yourself so I can give you the best guidance.
🔒 Your information is private and will never be shared with third parties.
✅
Got it! Salamat!
Your details have been received. Medz will reach out within 24–48 hours via WhatsApp.
In the meantime, follow @smartpera on TikTok and Facebook!
