worldngayon tools

Uwi Fund — savings target by return date

Pick the date you'll go home for good and see how much to save each month to be ready.

60 months from today.

Where the money will sit

What "ready to go home" costs

₱650,000

Save every month

₱10,701

for 5 yr 0 mo to have ₱650,000 by September 2031 at 0.5% a year.

Figures are in pesos and ignore inflation and exchange-rate swings. If you earn in riyals or dirhams, convert with today's rate and revisit every few months.

Why an Uwi Fund

Most OFWs plan to come home "someday." A date and a number turn someday into a plan. The Uwi Fund is the amount that lets you land in the Philippines without needing to leave again: a cash buffer for the first months, a roof, and something that earns.

How the number is built

Add the goals that matter to you and edit the amounts; the presets are only starting points. The tool then works backwards from your date: it takes what you already have, assumes it grows at the rate you picked, and solves for the equal monthly amount that closes the gap. Use the second box to test a realistic monthly figure and see how far it gets you, or when you would arrive instead.

Where to park it

Money you will need within two or three years belongs in cash or Pag-IBIG MP2, not stocks. MP2 has a five-year term, so it fits a five-year plan well; for a shorter horizon, a time deposit or high-interest digital bank account keeps the money reachable.

Questions

Should I count remittances to family as savings?
No. Only money that will still be yours on the day you go home. The monthly figure here is on top of what you send.
Why are the preset amounts what they are?
They are round-number placeholders for a typical province household. Your buffer should be six months of your own family’s expenses; your house and business numbers depend on where and what.
Does it account for inflation?
No. Add roughly 4% a year to your target if your date is more than three years away, or revisit the number annually.

More in OFW Money & Remittance