Take Control of Your Income, Timesheet Billing & Multi-Cadence Budgeting for Freelancers and Remote Professionals
Purpose-built for independent contractors, freelancers, and remote workers. Track billable sessions with live timestamp tracking, model 8% flat vs. graduated tax scenarios, compute SSS, PhilHealth, and Pag-IBIG contributions, and balance cash flow across daily, weekly, semi-monthly, and monthly budget cadences.
₱45,000+
Avg. Annual Tax Savings Identified
4 Cadences
Daily, Weekly, 15/30 & Monthly
2025/2026
Official SSS, PhilHealth & HDMF Rates
0
Messy Spreadsheets Needed
Everything modern professionals need to organize their earnings
From billable session timestamping to estimated quarterly taxes and multi-cadence budgets, ZupCore calculates your take-home cash flow automatically.
Billable Work Session & Invoice Ledger
Juan Dela Cruz • Senior Full-Stack Contractor
Logged Billable Hours
82.5 hrs
Agreed Hourly Rate
$35.00 / hr (₱1,960)
Gross Invoiceable Total
$2,887.50 (₱161,700)
Tax Optimization Engine
Simulate quarterly BIR 1701Q liabilities in real time and automatically identify whether the 8% Gross Income Tax or Graduated Rates save you the most money.
8% on gross exceeding ₱250k
₱56,800 / year
0% to 35% progressive brackets
₱101,400 / year
Statutory Deductions Hub
Keep your national contributions on track. Real-time schedules calculated directly from prevailing statutory schedules.
SSS Contribution
Regular SS + WISP Schedule
₱3,500.00 / mo
PhilHealth Premium
5% Direct Contributor Schedule
₱1,750.00 / mo
Pag-IBIG Fund
HDMF Mandatory + MP2 Savings
₱200.00 + MP2
Multi-Cadence Budget & Cash Surplus Planner
Align your living expenses against 15th & 30th paydays, track committed fixed obligations, and monitor your live daily safe-to-spend allowance.
Multi-Asset Balance Sheet & Compound Growth
Track your Philippine banks, digital vaults (SeaBank/Maya), Pag-IBIG MP2, crypto exchanges (Binance), emergency fund living runway, and real estate with multi-horizon compound projections (1 to 20 years).
7.12% Declared Dividend Rate
₱500,000.00 (5-Yr: ₱705k)
SeaBank • Maya • GoTyme (Daily APY)
₱400,000.00
6.50% Flexible APY ($10,000.00)
≈ ₱585,000.00
Six Core Pillars for Modern Independent Work
Generic finance tools don't understand local statutory matrices or tax tiers. ZupCore is tailored to Philippine contribution schedules, attendance cutoffs, and tax optimization.
13th Month Accruals & Reserve Planning
Track statutory 13th-month pay accruals for employed roles, or model pro-rated year-end bonus reserves and benchmarks as an independent contractor.
BIR 8% vs. TRAIN Graduated Tax Optimization
Direct side-by-side tax modeling for self-employed professionals. Check whether electing the 8% Gross Income Flat Tax or Graduated Tax with OSD saves you thousands in BIR 1701Q filings.
SSS, PhilHealth & Pag-IBIG Auto-Computation
Updated contribution algorithms aligned with the 2025/2026 SSS WISP matrix, PhilHealth 5% premium tier, and Pag-IBIG HDMF mandates with MP2 voluntary tracking.
Timestamp Tracker & Invoice-Ready Timesheets
Log billable client work with a live stopwatch or day-by-day manual timestamping. Export certified PDF timesheets, Excel (.xlsx) workbooks, and CSVs designed for employer sales invoicing.
Multi-Currency Retainers & Live Forex Conversion
Contract in USD, EUR, AUD, GBP, SGD, CAD, JPY, or NZD with live European Central Bank (ECB) exchange rate fetching or custom contract rates. Auto-converts into Philippine Peso (PHP) for SSS, PhilHealth, Pag-IBIG, and BIR 1701Q calculations.
Multi-Cadence Budget Planner & Liquidity Gauges
Plan your cash flow across Daily safe-to-spend allowance, Weekly 7-day micro-budgets, Semi-Monthly 15/30 pay cycle cutoffs, and Monthly macro budgeting with category-level expense distribution.
Engineered for Every Stage of Independent Work
Whether you work with global clients via platforms, contract directly with overseas firms, or run a small creative studio, ZupCore organizes your finances.
Freelancers & Platform Pros
Transform independent client earnings into clean, documented income streams. Track quarterly tax reserves and export certified timesheets for client sales invoices.
- Multi-client income consolidation
- Instant BIR 1701Q quarterly projections
- One-click PDF & Excel timesheets for employer sales invoicing
Direct Remote Tech & Creative Contractors
Contracted full-time with overseas or local clients under independent agreements. Ensure your voluntary contributions, timesheet hours, and tax reserves stay organized.
- Multi-currency tracking (USD, EUR, AUD, GBP, SGD, CAD, JPY) to PHP
- Automated SSS WISP & PhilHealth schedules
- Multi-cadence budget planning (15/30 cutoff & daily safe allowance)
Employed Professionals & Remote Contractors
Balance corporate salary with freelance side projects, log verified billable work sessions, and manage client timesheets without complex software.
- Multi-organization management & role controls
- Attendance & billable work tracking
- Verified timesheet exports & invoice summaries
Modeled on Current Statutory Schedules & Standards
ZupCore algorithms are modeled against published statutory formulas and updated as new regulations take effect.
Republic Act No. 10963 (TRAIN Law)
Standardized graduated personal income tax brackets and 8% gross income tax election rules under BIR Revenue Regulations.
Presidential Decree No. 851 (13th Month Pay Standards)
Statutory 13th-month pay formulas for employment tracking and pro-rated annual bonus planning.
Republic Act No. 11199 & RA 11223
Social Security Act (SSS & WISP pension tier) and Universal Health Care Act (PhilHealth 5% contribution schedule).
Republic Act No. 10173 (Data Privacy Act)
Strict data confidentiality, scoped host-only sessions, and cryptographic access protections for personal financial data.
Frequently Asked Questions
Key details on ZupCore timestamp tracking, statutory calculations, 15/30 budgeting, and wealth management.
How does the Timestamp Tracker help me invoice clients and employers?
ZupCore provides a precision stopwatch and manual session logger to track billable work with exact start/end timestamps, hourly rates, and client contracts. You can export verified PDF timesheets, Excel (.xlsx) workbooks, and CSV summaries designed specifically for client sales invoicing and commercial billing.
How does the BIR 8% vs. Graduated Tax engine help me save money?
Under the TRAIN Law (RA 10963), self-employed individuals with gross revenue not exceeding ₱3,000,000 have the option to elect an 8% flat income tax rate on gross income exceeding ₱250,000 in lieu of graduated rates and 3% percentage tax. ZupCore continuously compares both options in real time against your actual logged income to show your exact financial savings for quarterly BIR Form 1701Q filings.
How does the 15/30 Payday Cutoff Budget Planner calculate my safe-to-spend allowance?
ZupCore aligns your recurring bills and income against standard Philippine semi-monthly paydays (1st–15th and 16th–end of month). It subtracts committed expenses from your cutoff earnings to calculate your live Cutoff Cash Surplus and breaks it down into a Daily Safe-to-Spend allowance and Weekly micro-budget so you never run short before payday.
How does the Wealth Planner track Pag-IBIG MP2 and Emergency Fund runway?
The Wealth Planner models your consolidated net worth across Philippine traditional banks, high-yield digital vaults (SeaBank, Maya, GoTyme), Pag-IBIG MP2 (7.12% tax-free under RA 9679), and crypto assets. It benchmarks your living expenses against 3 to 12 months of emergency reserves and projects compound growth over 1, 3, 5, 10, and 20 years.
Is ZupCore an accredited payroll bureau or tax filing agent?
No. ZupCore is an independent self-service financial tracking, timestamp logging, and tax estimation utility—not an accredited payroll bureau, tax filing agent, or accounting firm. It helps you compute accurate estimates, log billable sessions, and maintain organized personal records. It is not affiliated with or endorsed by the BIR, DOLE, SSS, PhilHealth, or Pag-IBIG.
Ready to Take Control of Your Freelance Finances?
Join freelancers, remote contractors, and independent professionals who have streamlined their tax estimates, statutory tracking, and cash flow with ZupCore.
No credit card required • Instant setup in under 60 seconds • Aligned with 2026 Statutory Matrices & Tax Brackets