Home Loan Calculator Philippines

Free home loan calculator Philippines to calculate monthly payments, affordability based on salary, and compare rates from BPI, Security Bank, RCBC, BDO, Metrobank, Maybank, EastWest, and Pag-IBIG. Plan your home loan with instant results. Export to Excel.

Calculator Mode

Loan Details

Select Bank

Home Price (PHP)

Down Payment (PHP)

Down Payment: 20.00%

Property Tax (Annual, PHP)

Home Insurance (Annual, PHP)

Annual Interest Rate (%)

Loan Term (Years)

Extra Payment Frequency

Results

Monthly Payment

₱30,414.56

Loan Amount

₱4,000,000.00

Total Interest

₱3,299,494.53

Total Payment

₱7,299,494.40

Monthly Breakdown

Principal & Interest:₱30,414.56

Property Tax:₱0.00

Insurance:₱0.00

Payment Schedule

Month	Payment Date	Beginning Balance	Principal	Interest	Extra Payment	Total Payment	Ending Balance
1	November 1, 2025	₱4,000,000.00	₱7,914.56	₱22,500.00	₱0.00	₱30,414.56	₱3,992,085.44
2	December 1, 2025	₱3,992,085.44	₱7,959.08	₱22,455.48	₱0.00	₱30,414.56	₱3,984,126.36
3	January 1, 2026	₱3,984,126.36	₱8,003.85	₱22,410.71	₱0.00	₱30,414.56	₱3,976,122.51
4	February 1, 2026	₱3,976,122.51	₱8,048.87	₱22,365.69	₱0.00	₱30,414.56	₱3,968,073.64
5	March 1, 2026	₱3,968,073.64	₱8,094.15	₱22,320.41	₱0.00	₱30,414.56	₱3,959,979.49
6	April 1, 2026	₱3,959,979.49	₱8,139.68	₱22,274.88	₱0.00	₱30,414.56	₱3,951,839.82
7	May 1, 2026	₱3,951,839.82	₱8,185.46	₱22,229.10	₱0.00	₱30,414.56	₱3,943,654.36
8	June 1, 2026	₱3,943,654.36	₱8,231.50	₱22,183.06	₱0.00	₱30,414.56	₱3,935,422.85
9	July 1, 2026	₱3,935,422.85	₱8,277.81	₱22,136.75	₱0.00	₱30,414.56	₱3,927,145.04
10	August 1, 2026	₱3,927,145.04	₱8,324.37	₱22,090.19	₱0.00	₱30,414.56	₱3,918,820.67
11	September 1, 2026	₱3,918,820.67	₱8,371.19	₱22,043.37	₱0.00	₱30,414.56	₱3,910,449.48
12	October 1, 2026	₱3,910,449.48	₱8,418.28	₱21,996.28	₱0.00	₱30,414.56	₱3,902,031.20
13	November 1, 2026	₱3,902,031.20	₱8,465.63	₱21,948.93	₱0.00	₱30,414.56	₱3,893,565.56
14	December 1, 2026	₱3,893,565.56	₱8,513.25	₱21,901.31	₱0.00	₱30,414.56	₱3,885,052.31
15	January 1, 2027	₱3,885,052.31	₱8,561.14	₱21,853.42	₱0.00	₱30,414.56	₱3,876,491.17
16	February 1, 2027	₱3,876,491.17	₱8,609.30	₱21,805.26	₱0.00	₱30,414.56	₱3,867,881.87
17	March 1, 2027	₱3,867,881.87	₱8,657.72	₱21,756.84	₱0.00	₱30,414.56	₱3,859,224.15
18	April 1, 2027	₱3,859,224.15	₱8,706.42	₱21,708.14	₱0.00	₱30,414.56	₱3,850,517.72
19	May 1, 2027	₱3,850,517.72	₱8,755.40	₱21,659.16	₱0.00	₱30,414.56	₱3,841,762.32
20	June 1, 2027	₱3,841,762.32	₱8,804.65	₱21,609.91	₱0.00	₱30,414.56	₱3,832,957.68
21	July 1, 2027	₱3,832,957.68	₱8,854.17	₱21,560.39	₱0.00	₱30,414.56	₱3,824,103.50
22	August 1, 2027	₱3,824,103.50	₱8,903.98	₱21,510.58	₱0.00	₱30,414.56	₱3,815,199.52
23	September 1, 2027	₱3,815,199.52	₱8,954.06	₱21,460.50	₱0.00	₱30,414.56	₱3,806,245.46
24	October 1, 2027	₱3,806,245.46	₱9,004.43	₱21,410.13	₱0.00	₱30,414.56	₱3,797,241.03
25	November 1, 2027	₱3,797,241.03	₱9,055.08	₱21,359.48	₱0.00	₱30,414.56	₱3,788,185.95
26	December 1, 2027	₱3,788,185.95	₱9,106.01	₱21,308.55	₱0.00	₱30,414.56	₱3,779,079.94
27	January 1, 2028	₱3,779,079.94	₱9,157.24	₱21,257.32	₱0.00	₱30,414.56	₱3,769,922.70
28	February 1, 2028	₱3,769,922.70	₱9,208.75	₱21,205.82	₱0.00	₱30,414.56	₱3,760,713.96
29	March 1, 2028	₱3,760,713.96	₱9,260.54	₱21,154.02	₱0.00	₱30,414.56	₱3,751,453.41
30	April 1, 2028	₱3,751,453.41	₱9,312.63	₱21,101.93	₱0.00	₱30,414.56	₱3,742,140.78
31	May 1, 2028	₱3,742,140.78	₱9,365.02	₱21,049.54	₱0.00	₱30,414.56	₱3,732,775.76
32	June 1, 2028	₱3,732,775.76	₱9,417.70	₱20,996.86	₱0.00	₱30,414.56	₱3,723,358.06
33	July 1, 2028	₱3,723,358.06	₱9,470.67	₱20,943.89	₱0.00	₱30,414.56	₱3,713,887.39
34	August 1, 2028	₱3,713,887.39	₱9,523.94	₱20,890.62	₱0.00	₱30,414.56	₱3,704,363.45
35	September 1, 2028	₱3,704,363.45	₱9,577.52	₱20,837.04	₱0.00	₱30,414.56	₱3,694,785.93
36	October 1, 2028	₱3,694,785.93	₱9,631.39	₱20,783.17	₱0.00	₱30,414.56	₱3,685,154.54
37	November 1, 2028	₱3,685,154.54	₱9,685.57	₱20,728.99	₱0.00	₱30,414.56	₱3,675,468.98
38	December 1, 2028	₱3,675,468.98	₱9,740.05	₱20,674.51	₱0.00	₱30,414.56	₱3,665,728.93
39	January 1, 2029	₱3,665,728.93	₱9,794.84	₱20,619.73	₱0.00	₱30,414.56	₱3,655,934.09
40	February 1, 2029	₱3,655,934.09	₱9,849.93	₱20,564.63	₱0.00	₱30,414.56	₱3,646,084.16
41	March 1, 2029	₱3,646,084.16	₱9,905.34	₱20,509.22	₱0.00	₱30,414.56	₱3,636,178.82
42	April 1, 2029	₱3,636,178.82	₱9,961.05	₱20,453.51	₱0.00	₱30,414.56	₱3,626,217.77
43	May 1, 2029	₱3,626,217.77	₱10,017.09	₱20,397.47	₱0.00	₱30,414.56	₱3,616,200.68
44	June 1, 2029	₱3,616,200.68	₱10,073.43	₱20,341.13	₱0.00	₱30,414.56	₱3,606,127.25
45	July 1, 2029	₱3,606,127.25	₱10,130.09	₱20,284.47	₱0.00	₱30,414.56	₱3,595,997.16
46	August 1, 2029	₱3,595,997.16	₱10,187.08	₱20,227.48	₱0.00	₱30,414.56	₱3,585,810.08
47	September 1, 2029	₱3,585,810.08	₱10,244.38	₱20,170.18	₱0.00	₱30,414.56	₱3,575,565.70
48	October 1, 2029	₱3,575,565.70	₱10,302.00	₱20,112.56	₱0.00	₱30,414.56	₱3,565,263.70
49	November 1, 2029	₱3,565,263.70	₱10,359.95	₱20,054.61	₱0.00	₱30,414.56	₱3,554,903.75
50	December 1, 2029	₱3,554,903.75	₱10,418.23	₱19,996.33	₱0.00	₱30,414.56	₱3,544,485.52
51	January 1, 2030	₱3,544,485.52	₱10,476.83	₱19,937.73	₱0.00	₱30,414.56	₱3,534,008.69
52	February 1, 2030	₱3,534,008.69	₱10,535.76	₱19,878.80	₱0.00	₱30,414.56	₱3,523,472.93
53	March 1, 2030	₱3,523,472.93	₱10,595.03	₱19,819.54	₱0.00	₱30,414.56	₱3,512,877.91
54	April 1, 2030	₱3,512,877.91	₱10,654.62	₱19,759.94	₱0.00	₱30,414.56	₱3,502,223.28
55	May 1, 2030	₱3,502,223.28	₱10,714.55	₱19,700.01	₱0.00	₱30,414.56	₱3,491,508.73
56	June 1, 2030	₱3,491,508.73	₱10,774.82	₱19,639.74	₱0.00	₱30,414.56	₱3,480,733.90
57	July 1, 2030	₱3,480,733.90	₱10,835.43	₱19,579.13	₱0.00	₱30,414.56	₱3,469,898.47
58	August 1, 2030	₱3,469,898.47	₱10,896.38	₱19,518.18	₱0.00	₱30,414.56	₱3,459,002.09
59	September 1, 2030	₱3,459,002.09	₱10,957.67	₱19,456.89	₱0.00	₱30,414.56	₱3,448,044.42
60	October 1, 2030	₱3,448,044.42	₱11,019.31	₱19,395.25	₱0.00	₱30,414.56	₱3,437,025.11
61	November 1, 2030	₱3,437,025.11	₱11,081.29	₱19,333.27	₱0.00	₱30,414.56	₱3,425,943.81
62	December 1, 2030	₱3,425,943.81	₱11,143.63	₱19,270.93	₱0.00	₱30,414.56	₱3,414,800.19
63	January 1, 2031	₱3,414,800.19	₱11,206.31	₱19,208.25	₱0.00	₱30,414.56	₱3,403,593.88
64	February 1, 2031	₱3,403,593.88	₱11,269.34	₱19,145.22	₱0.00	₱30,414.56	₱3,392,324.53
65	March 1, 2031	₱3,392,324.53	₱11,332.73	₱19,081.83	₱0.00	₱30,414.56	₱3,380,991.80
66	April 1, 2031	₱3,380,991.80	₱11,396.48	₱19,018.08	₱0.00	₱30,414.56	₱3,369,595.32
67	May 1, 2031	₱3,369,595.32	₱11,460.59	₱18,953.97	₱0.00	₱30,414.56	₱3,358,134.73
68	June 1, 2031	₱3,358,134.73	₱11,525.05	₱18,889.51	₱0.00	₱30,414.56	₱3,346,609.68
69	July 1, 2031	₱3,346,609.68	₱11,589.88	₱18,824.68	₱0.00	₱30,414.56	₱3,335,019.80
70	August 1, 2031	₱3,335,019.80	₱11,655.07	₱18,759.49	₱0.00	₱30,414.56	₱3,323,364.72
71	September 1, 2031	₱3,323,364.72	₱11,720.63	₱18,693.93	₱0.00	₱30,414.56	₱3,311,644.09
72	October 1, 2031	₱3,311,644.09	₱11,786.56	₱18,628.00	₱0.00	₱30,414.56	₱3,299,857.53
73	November 1, 2031	₱3,299,857.53	₱11,852.86	₱18,561.70	₱0.00	₱30,414.56	₱3,288,004.66
74	December 1, 2031	₱3,288,004.66	₱11,919.53	₱18,495.03	₱0.00	₱30,414.56	₱3,276,085.13
75	January 1, 2032	₱3,276,085.13	₱11,986.58	₱18,427.98	₱0.00	₱30,414.56	₱3,264,098.55
76	February 1, 2032	₱3,264,098.55	₱12,054.01	₱18,360.55	₱0.00	₱30,414.56	₱3,252,044.54
77	March 1, 2032	₱3,252,044.54	₱12,121.81	₱18,292.75	₱0.00	₱30,414.56	₱3,239,922.73
78	April 1, 2032	₱3,239,922.73	₱12,190.00	₱18,224.57	₱0.00	₱30,414.56	₱3,227,732.74
79	May 1, 2032	₱3,227,732.74	₱12,258.56	₱18,156.00	₱0.00	₱30,414.56	₱3,215,474.17
80	June 1, 2032	₱3,215,474.17	₱12,327.52	₱18,087.04	₱0.00	₱30,414.56	₱3,203,146.65
81	July 1, 2032	₱3,203,146.65	₱12,396.86	₱18,017.70	₱0.00	₱30,414.56	₱3,190,749.79
82	August 1, 2032	₱3,190,749.79	₱12,466.59	₱17,947.97	₱0.00	₱30,414.56	₱3,178,283.20
83	September 1, 2032	₱3,178,283.20	₱12,536.72	₱17,877.84	₱0.00	₱30,414.56	₱3,165,746.48
84	October 1, 2032	₱3,165,746.48	₱12,607.24	₱17,807.32	₱0.00	₱30,414.56	₱3,153,139.25
85	November 1, 2032	₱3,153,139.25	₱12,678.15	₱17,736.41	₱0.00	₱30,414.56	₱3,140,461.10
86	December 1, 2032	₱3,140,461.10	₱12,749.47	₱17,665.09	₱0.00	₱30,414.56	₱3,127,711.63
87	January 1, 2033	₱3,127,711.63	₱12,821.18	₱17,593.38	₱0.00	₱30,414.56	₱3,114,890.45
88	February 1, 2033	₱3,114,890.45	₱12,893.30	₱17,521.26	₱0.00	₱30,414.56	₱3,101,997.14
89	March 1, 2033	₱3,101,997.14	₱12,965.83	₱17,448.73	₱0.00	₱30,414.56	₱3,089,031.32
90	April 1, 2033	₱3,089,031.32	₱13,038.76	₱17,375.80	₱0.00	₱30,414.56	₱3,075,992.56
91	May 1, 2033	₱3,075,992.56	₱13,112.10	₱17,302.46	₱0.00	₱30,414.56	₱3,062,880.46
92	June 1, 2033	₱3,062,880.46	₱13,185.86	₱17,228.70	₱0.00	₱30,414.56	₱3,049,694.60
93	July 1, 2033	₱3,049,694.60	₱13,260.03	₱17,154.53	₱0.00	₱30,414.56	₱3,036,434.57
94	August 1, 2033	₱3,036,434.57	₱13,334.62	₱17,079.94	₱0.00	₱30,414.56	₱3,023,099.95
95	September 1, 2033	₱3,023,099.95	₱13,409.62	₱17,004.94	₱0.00	₱30,414.56	₱3,009,690.33
96	October 1, 2033	₱3,009,690.33	₱13,485.05	₱16,929.51	₱0.00	₱30,414.56	₱2,996,205.28
97	November 1, 2033	₱2,996,205.28	₱13,560.91	₱16,853.65	₱0.00	₱30,414.56	₱2,982,644.37
98	December 1, 2033	₱2,982,644.37	₱13,637.19	₱16,777.37	₱0.00	₱30,414.56	₱2,969,007.19
99	January 1, 2034	₱2,969,007.19	₱13,713.89	₱16,700.67	₱0.00	₱30,414.56	₱2,955,293.29
100	February 1, 2034	₱2,955,293.29	₱13,791.04	₱16,623.52	₱0.00	₱30,414.56	₱2,941,502.26
101	March 1, 2034	₱2,941,502.26	₱13,868.61	₱16,545.95	₱0.00	₱30,414.56	₱2,927,633.65
102	April 1, 2034	₱2,927,633.65	₱13,946.62	₱16,467.94	₱0.00	₱30,414.56	₱2,913,687.03
103	May 1, 2034	₱2,913,687.03	₱14,025.07	₱16,389.49	₱0.00	₱30,414.56	₱2,899,661.96
104	June 1, 2034	₱2,899,661.96	₱14,103.96	₱16,310.60	₱0.00	₱30,414.56	₱2,885,557.99
105	July 1, 2034	₱2,885,557.99	₱14,183.30	₱16,231.26	₱0.00	₱30,414.56	₱2,871,374.70
106	August 1, 2034	₱2,871,374.70	₱14,263.08	₱16,151.48	₱0.00	₱30,414.56	₱2,857,111.62
107	September 1, 2034	₱2,857,111.62	₱14,343.31	₱16,071.25	₱0.00	₱30,414.56	₱2,842,768.31
108	October 1, 2034	₱2,842,768.31	₱14,423.99	₱15,990.57	₱0.00	₱30,414.56	₱2,828,344.32
109	November 1, 2034	₱2,828,344.32	₱14,505.12	₱15,909.44	₱0.00	₱30,414.56	₱2,813,839.20
110	December 1, 2034	₱2,813,839.20	₱14,586.71	₱15,827.85	₱0.00	₱30,414.56	₱2,799,252.48
111	January 1, 2035	₱2,799,252.48	₱14,668.77	₱15,745.80	₱0.00	₱30,414.56	₱2,784,583.72
112	February 1, 2035	₱2,784,583.72	₱14,751.28	₱15,663.28	₱0.00	₱30,414.56	₱2,769,832.44
113	March 1, 2035	₱2,769,832.44	₱14,834.25	₱15,580.31	₱0.00	₱30,414.56	₱2,754,998.19
114	April 1, 2035	₱2,754,998.19	₱14,917.70	₱15,496.86	₱0.00	₱30,414.56	₱2,740,080.49
115	May 1, 2035	₱2,740,080.49	₱15,001.61	₱15,412.95	₱0.00	₱30,414.56	₱2,725,078.89
116	June 1, 2035	₱2,725,078.89	₱15,085.99	₱15,328.57	₱0.00	₱30,414.56	₱2,709,992.89
117	July 1, 2035	₱2,709,992.89	₱15,170.85	₱15,243.71	₱0.00	₱30,414.56	₱2,694,822.04
118	August 1, 2035	₱2,694,822.04	₱15,256.19	₱15,158.37	₱0.00	₱30,414.56	₱2,679,565.86
119	September 1, 2035	₱2,679,565.86	₱15,342.00	₱15,072.56	₱0.00	₱30,414.56	₱2,664,223.86
120	October 1, 2035	₱2,664,223.86	₱15,428.30	₱14,986.26	₱0.00	₱30,414.56	₱2,648,795.55
121	November 1, 2035	₱2,648,795.55	₱15,515.09	₱14,899.47	₱0.00	₱30,414.56	₱2,633,280.47
122	December 1, 2035	₱2,633,280.47	₱15,602.36	₱14,812.20	₱0.00	₱30,414.56	₱2,617,678.11
123	January 1, 2036	₱2,617,678.11	₱15,690.12	₱14,724.44	₱0.00	₱30,414.56	₱2,601,987.99
124	February 1, 2036	₱2,601,987.99	₱15,778.38	₱14,636.18	₱0.00	₱30,414.56	₱2,586,209.61
125	March 1, 2036	₱2,586,209.61	₱15,867.13	₱14,547.43	₱0.00	₱30,414.56	₱2,570,342.48
126	April 1, 2036	₱2,570,342.48	₱15,956.38	₱14,458.18	₱0.00	₱30,414.56	₱2,554,386.10
127	May 1, 2036	₱2,554,386.10	₱16,046.14	₱14,368.42	₱0.00	₱30,414.56	₱2,538,339.96
128	June 1, 2036	₱2,538,339.96	₱16,136.40	₱14,278.16	₱0.00	₱30,414.56	₱2,522,203.56
129	July 1, 2036	₱2,522,203.56	₱16,227.17	₱14,187.40	₱0.00	₱30,414.56	₱2,505,976.39
130	August 1, 2036	₱2,505,976.39	₱16,318.44	₱14,096.12	₱0.00	₱30,414.56	₱2,489,657.95
131	September 1, 2036	₱2,489,657.95	₱16,410.23	₱14,004.33	₱0.00	₱30,414.56	₱2,473,247.72
132	October 1, 2036	₱2,473,247.72	₱16,502.54	₱13,912.02	₱0.00	₱30,414.56	₱2,456,745.17
133	November 1, 2036	₱2,456,745.17	₱16,595.37	₱13,819.19	₱0.00	₱30,414.56	₱2,440,149.81
134	December 1, 2036	₱2,440,149.81	₱16,688.72	₱13,725.84	₱0.00	₱30,414.56	₱2,423,461.09
135	January 1, 2037	₱2,423,461.09	₱16,782.59	₱13,631.97	₱0.00	₱30,414.56	₱2,406,678.50
136	February 1, 2037	₱2,406,678.50	₱16,876.99	₱13,537.57	₱0.00	₱30,414.56	₱2,389,801.50
137	March 1, 2037	₱2,389,801.50	₱16,971.93	₱13,442.63	₱0.00	₱30,414.56	₱2,372,829.58
138	April 1, 2037	₱2,372,829.58	₱17,067.39	₱13,347.17	₱0.00	₱30,414.56	₱2,355,762.18
139	May 1, 2037	₱2,355,762.18	₱17,163.40	₱13,251.16	₱0.00	₱30,414.56	₱2,338,598.78
140	June 1, 2037	₱2,338,598.78	₱17,259.94	₱13,154.62	₱0.00	₱30,414.56	₱2,321,338.84
141	July 1, 2037	₱2,321,338.84	₱17,357.03	₱13,057.53	₱0.00	₱30,414.56	₱2,303,981.81
142	August 1, 2037	₱2,303,981.81	₱17,454.66	₱12,959.90	₱0.00	₱30,414.56	₱2,286,527.15
143	September 1, 2037	₱2,286,527.15	₱17,552.85	₱12,861.72	₱0.00	₱30,414.56	₱2,268,974.30
144	October 1, 2037	₱2,268,974.30	₱17,651.58	₱12,762.98	₱0.00	₱30,414.56	₱2,251,322.72
145	November 1, 2037	₱2,251,322.72	₱17,750.87	₱12,663.69	₱0.00	₱30,414.56	₱2,233,571.85
146	December 1, 2037	₱2,233,571.85	₱17,850.72	₱12,563.84	₱0.00	₱30,414.56	₱2,215,721.14
147	January 1, 2038	₱2,215,721.14	₱17,951.13	₱12,463.43	₱0.00	₱30,414.56	₱2,197,770.01
148	February 1, 2038	₱2,197,770.01	₱18,052.10	₱12,362.46	₱0.00	₱30,414.56	₱2,179,717.90
149	March 1, 2038	₱2,179,717.90	₱18,153.65	₱12,260.91	₱0.00	₱30,414.56	₱2,161,564.26
150	April 1, 2038	₱2,161,564.26	₱18,255.76	₱12,158.80	₱0.00	₱30,414.56	₱2,143,308.49
151	May 1, 2038	₱2,143,308.49	₱18,358.45	₱12,056.11	₱0.00	₱30,414.56	₱2,124,950.04
152	June 1, 2038	₱2,124,950.04	₱18,461.72	₱11,952.84	₱0.00	₱30,414.56	₱2,106,488.33
153	July 1, 2038	₱2,106,488.33	₱18,565.56	₱11,849.00	₱0.00	₱30,414.56	₱2,087,922.76
154	August 1, 2038	₱2,087,922.76	₱18,669.99	₱11,744.57	₱0.00	₱30,414.56	₱2,069,252.77
155	September 1, 2038	₱2,069,252.77	₱18,775.01	₱11,639.55	₱0.00	₱30,414.56	₱2,050,477.76
156	October 1, 2038	₱2,050,477.76	₱18,880.62	₱11,533.94	₱0.00	₱30,414.56	₱2,031,597.13
157	November 1, 2038	₱2,031,597.13	₱18,986.83	₱11,427.73	₱0.00	₱30,414.56	₱2,012,610.31
158	December 1, 2038	₱2,012,610.31	₱19,093.63	₱11,320.93	₱0.00	₱30,414.56	₱1,993,516.68
159	January 1, 2039	₱1,993,516.68	₱19,201.03	₱11,213.53	₱0.00	₱30,414.56	₱1,974,315.65
160	February 1, 2039	₱1,974,315.65	₱19,309.03	₱11,105.53	₱0.00	₱30,414.56	₱1,955,006.61
161	March 1, 2039	₱1,955,006.61	₱19,417.65	₱10,996.91	₱0.00	₱30,414.56	₱1,935,588.97
162	April 1, 2039	₱1,935,588.97	₱19,526.87	₱10,887.69	₱0.00	₱30,414.56	₱1,916,062.09
163	May 1, 2039	₱1,916,062.09	₱19,636.71	₱10,777.85	₱0.00	₱30,414.56	₱1,896,425.38
164	June 1, 2039	₱1,896,425.38	₱19,747.17	₱10,667.39	₱0.00	₱30,414.56	₱1,876,678.21
165	July 1, 2039	₱1,876,678.21	₱19,858.25	₱10,556.31	₱0.00	₱30,414.56	₱1,856,819.97
166	August 1, 2039	₱1,856,819.97	₱19,969.95	₱10,444.61	₱0.00	₱30,414.56	₱1,836,850.02
167	September 1, 2039	₱1,836,850.02	₱20,082.28	₱10,332.28	₱0.00	₱30,414.56	₱1,816,767.74
168	October 1, 2039	₱1,816,767.74	₱20,195.24	₱10,219.32	₱0.00	₱30,414.56	₱1,796,572.50
169	November 1, 2039	₱1,796,572.50	₱20,308.84	₱10,105.72	₱0.00	₱30,414.56	₱1,776,263.66
170	December 1, 2039	₱1,776,263.66	₱20,423.08	₱9,991.48	₱0.00	₱30,414.56	₱1,755,840.58
171	January 1, 2040	₱1,755,840.58	₱20,537.96	₱9,876.60	₱0.00	₱30,414.56	₱1,735,302.63
172	February 1, 2040	₱1,735,302.63	₱20,653.48	₱9,761.08	₱0.00	₱30,414.56	₱1,714,649.14
173	March 1, 2040	₱1,714,649.14	₱20,769.66	₱9,644.90	₱0.00	₱30,414.56	₱1,693,879.48
174	April 1, 2040	₱1,693,879.48	₱20,886.49	₱9,528.07	₱0.00	₱30,414.56	₱1,672,993.00
175	May 1, 2040	₱1,672,993.00	₱21,003.97	₱9,410.59	₱0.00	₱30,414.56	₱1,651,989.02
176	June 1, 2040	₱1,651,989.02	₱21,122.12	₱9,292.44	₱0.00	₱30,414.56	₱1,630,866.90
177	July 1, 2040	₱1,630,866.90	₱21,240.93	₱9,173.63	₱0.00	₱30,414.56	₱1,609,625.96
178	August 1, 2040	₱1,609,625.96	₱21,360.41	₱9,054.15	₱0.00	₱30,414.56	₱1,588,265.55
179	September 1, 2040	₱1,588,265.55	₱21,480.57	₱8,933.99	₱0.00	₱30,414.56	₱1,566,784.98
180	October 1, 2040	₱1,566,784.98	₱21,601.39	₱8,813.17	₱0.00	₱30,414.56	₱1,545,183.59
181	November 1, 2040	₱1,545,183.59	₱21,722.90	₱8,691.66	₱0.00	₱30,414.56	₱1,523,460.69
182	December 1, 2040	₱1,523,460.69	₱21,845.09	₱8,569.47	₱0.00	₱30,414.56	₱1,501,615.59
183	January 1, 2041	₱1,501,615.59	₱21,967.97	₱8,446.59	₱0.00	₱30,414.56	₱1,479,647.62
184	February 1, 2041	₱1,479,647.62	₱22,091.54	₱8,323.02	₱0.00	₱30,414.56	₱1,457,556.08
185	March 1, 2041	₱1,457,556.08	₱22,215.81	₱8,198.75	₱0.00	₱30,414.56	₱1,435,340.27
186	April 1, 2041	₱1,435,340.27	₱22,340.77	₱8,073.79	₱0.00	₱30,414.56	₱1,412,999.50
187	May 1, 2041	₱1,412,999.50	₱22,466.44	₱7,948.12	₱0.00	₱30,414.56	₱1,390,533.06
188	June 1, 2041	₱1,390,533.06	₱22,592.81	₱7,821.75	₱0.00	₱30,414.56	₱1,367,940.25
189	July 1, 2041	₱1,367,940.25	₱22,719.90	₱7,694.66	₱0.00	₱30,414.56	₱1,345,220.35
190	August 1, 2041	₱1,345,220.35	₱22,847.70	₱7,566.86	₱0.00	₱30,414.56	₱1,322,372.66
191	September 1, 2041	₱1,322,372.66	₱22,976.21	₱7,438.35	₱0.00	₱30,414.56	₱1,299,396.44
192	October 1, 2041	₱1,299,396.44	₱23,105.46	₱7,309.10	₱0.00	₱30,414.56	₱1,276,290.99
193	November 1, 2041	₱1,276,290.99	₱23,235.42	₱7,179.14	₱0.00	₱30,414.56	₱1,253,055.56
194	December 1, 2041	₱1,253,055.56	₱23,366.12	₱7,048.44	₱0.00	₱30,414.56	₱1,229,689.44
195	January 1, 2042	₱1,229,689.44	₱23,497.56	₱6,917.00	₱0.00	₱30,414.56	₱1,206,191.88
196	February 1, 2042	₱1,206,191.88	₱23,629.73	₱6,784.83	₱0.00	₱30,414.56	₱1,182,562.15
197	March 1, 2042	₱1,182,562.15	₱23,762.65	₱6,651.91	₱0.00	₱30,414.56	₱1,158,799.50
198	April 1, 2042	₱1,158,799.50	₱23,896.31	₱6,518.25	₱0.00	₱30,414.56	₱1,134,903.19
199	May 1, 2042	₱1,134,903.19	₱24,030.73	₱6,383.83	₱0.00	₱30,414.56	₱1,110,872.46
200	June 1, 2042	₱1,110,872.46	₱24,165.90	₱6,248.66	₱0.00	₱30,414.56	₱1,086,706.56
201	July 1, 2042	₱1,086,706.56	₱24,301.84	₱6,112.72	₱0.00	₱30,414.56	₱1,062,404.72
202	August 1, 2042	₱1,062,404.72	₱24,438.53	₱5,976.03	₱0.00	₱30,414.56	₱1,037,966.19
203	September 1, 2042	₱1,037,966.19	₱24,576.00	₱5,838.56	₱0.00	₱30,414.56	₱1,013,390.19
204	October 1, 2042	₱1,013,390.19	₱24,714.24	₱5,700.32	₱0.00	₱30,414.56	₱988,675.95
205	November 1, 2042	₱988,675.95	₱24,853.26	₱5,561.30	₱0.00	₱30,414.56	₱963,822.69
206	December 1, 2042	₱963,822.69	₱24,993.06	₱5,421.50	₱0.00	₱30,414.56	₱938,829.63
207	January 1, 2043	₱938,829.63	₱25,133.64	₱5,280.92	₱0.00	₱30,414.56	₱913,695.99
208	February 1, 2043	₱913,695.99	₱25,275.02	₱5,139.54	₱0.00	₱30,414.56	₱888,420.97
209	March 1, 2043	₱888,420.97	₱25,417.19	₱4,997.37	₱0.00	₱30,414.56	₱863,003.77
210	April 1, 2043	₱863,003.77	₱25,560.16	₱4,854.40	₱0.00	₱30,414.56	₱837,443.61
211	May 1, 2043	₱837,443.61	₱25,703.94	₱4,710.62	₱0.00	₱30,414.56	₱811,739.67
212	June 1, 2043	₱811,739.67	₱25,848.52	₱4,566.04	₱0.00	₱30,414.56	₱785,891.14
213	July 1, 2043	₱785,891.14	₱25,993.92	₱4,420.64	₱0.00	₱30,414.56	₱759,897.22
214	August 1, 2043	₱759,897.22	₱26,140.14	₱4,274.42	₱0.00	₱30,414.56	₱733,757.08
215	September 1, 2043	₱733,757.08	₱26,287.18	₱4,127.38	₱0.00	₱30,414.56	₱707,469.91
216	October 1, 2043	₱707,469.91	₱26,435.04	₱3,979.52	₱0.00	₱30,414.56	₱681,034.86
217	November 1, 2043	₱681,034.86	₱26,583.74	₱3,830.82	₱0.00	₱30,414.56	₱654,451.12
218	December 1, 2043	₱654,451.12	₱26,733.27	₱3,681.29	₱0.00	₱30,414.56	₱627,717.85
219	January 1, 2044	₱627,717.85	₱26,883.65	₱3,530.91	₱0.00	₱30,414.56	₱600,834.20
220	February 1, 2044	₱600,834.20	₱27,034.87	₱3,379.69	₱0.00	₱30,414.56	₱573,799.34
221	March 1, 2044	₱573,799.34	₱27,186.94	₱3,227.62	₱0.00	₱30,414.56	₱546,612.40
222	April 1, 2044	₱546,612.40	₱27,339.87	₱3,074.69	₱0.00	₱30,414.56	₱519,272.53
223	May 1, 2044	₱519,272.53	₱27,493.65	₱2,920.91	₱0.00	₱30,414.56	₱491,778.88
224	June 1, 2044	₱491,778.88	₱27,648.30	₱2,766.26	₱0.00	₱30,414.56	₱464,130.58
225	July 1, 2044	₱464,130.58	₱27,803.83	₱2,610.73	₱0.00	₱30,414.56	₱436,326.75
226	August 1, 2044	₱436,326.75	₱27,960.22	₱2,454.34	₱0.00	₱30,414.56	₱408,366.53
227	September 1, 2044	₱408,366.53	₱28,117.50	₱2,297.06	₱0.00	₱30,414.56	₱380,249.03
228	October 1, 2044	₱380,249.03	₱28,275.66	₱2,138.90	₱0.00	₱30,414.56	₱351,973.37
229	November 1, 2044	₱351,973.37	₱28,434.71	₱1,979.85	₱0.00	₱30,414.56	₱323,538.66
230	December 1, 2044	₱323,538.66	₱28,594.66	₱1,819.90	₱0.00	₱30,414.56	₱294,944.00
231	January 1, 2045	₱294,944.00	₱28,755.50	₱1,659.06	₱0.00	₱30,414.56	₱266,188.50
232	February 1, 2045	₱266,188.50	₱28,917.25	₱1,497.31	₱0.00	₱30,414.56	₱237,271.25
233	March 1, 2045	₱237,271.25	₱29,079.91	₱1,334.65	₱0.00	₱30,414.56	₱208,191.34
234	April 1, 2045	₱208,191.34	₱29,243.48	₱1,171.08	₱0.00	₱30,414.56	₱178,947.86
235	May 1, 2045	₱178,947.86	₱29,407.98	₱1,006.58	₱0.00	₱30,414.56	₱149,539.88
236	June 1, 2045	₱149,539.88	₱29,573.40	₱841.16	₱0.00	₱30,414.56	₱119,966.48
237	July 1, 2045	₱119,966.48	₱29,739.75	₱674.81	₱0.00	₱30,414.56	₱90,226.73
238	August 1, 2045	₱90,226.73	₱29,907.04	₱507.53	₱0.00	₱30,414.56	₱60,319.70
239	September 1, 2045	₱60,319.70	₱30,075.26	₱339.30	₱0.00	₱30,414.56	₱30,244.44
240	October 1, 2045	₱30,244.44	₱30,244.44	₱170.12	₱0.00	₱30,414.56	₱0.00

Home Loan Calculator Philippines - Your Complete Guide to Home Financing

Buying a home in the Philippines is one of the most significant financial decisions you'll make in your lifetime. Whether you're a first-time homebuyer in Metro Manila, looking for a property in Cebu, planning your purchase in Davao, or exploring options across the Philippines, understanding your home loan payments is crucial. Our free home loan calculator Philippines helps you estimate monthly payments, total interest costs, and affordability based on your salary before you commit to financing. Compare rates from major Philippine banks including BPI (Bank of the Philippine Islands), Security Bank, RCBC (Rizal Commercial Banking Corporation), BDO (Banco de Oro), Metrobank, Maybank Philippines, EastWest Bank, and Pag-IBIG Fund to ensure you're getting the best deal.

What is a Home Loan Calculator Philippines?

A home loan calculator Philippines is an essential financial tool that computes your monthly mortgage payment based on key parameters: home price, down payment, interest rate, and loan term. It provides a comprehensive breakdown of how much you'll pay each month, including principal, interest, property taxes, insurance, and other associated costs. Whether you're comparing rates from BPI, researching options from Security Bank, evaluating offers from RCBC, BDO, Metrobank, Maybank, EastWest, or Pag-IBIG, our home loan calculator gives you the clarity you need to make informed decisions.

Home Loan Calculator Philippines Based on Salary

One of the most powerful features of our home loan calculator Philippines is the ability to calculate affordability based on your salary. This feature helps you determine how much home you can actually afford by considering your annual income, existing monthly debt payments, monthly expenses, dependents, and target debt-to-income (DTI) ratio. Philippine banks typically allow borrowers to allocate up to 30-40% of their gross monthly income for housing loan payments, though this may vary based on individual circumstances and other debt obligations.

Our calculator automatically calculates your maximum loan amount and recommended home price based on your income and debt obligations. This helps you set realistic expectations and avoid overextending yourself financially. Whether you're using a home loan calculator from BPI, Security Bank, RCBC, BDO, Metrobank, Maybank, EastWest, Pag-IBIG, or our tool, understanding your affordability is the first step in the home-buying process.

Comparing Philippine Banks for Home Loans

The Philippines has several major banks offering competitive home loan products. BPI (Bank of the Philippine Islands) offers competitive rates around 6.75% per annum with flexible payment terms. Security Bank provides home loans with rates starting around 6.85% per annum, with special programs for OFWs and professionals. RCBC (Rizal Commercial Banking Corporation) offers home loans with rates around 6.95% per annum, with options for construction loans and refinancing. BDO (Banco de Oro), one of the largest banks in the Philippines, offers competitive rates around 6.50% per annum with various loan products for different needs.

Metrobank provides home loans with rates around 6.85% per annum, with special programs for first-time homebuyers. Maybank Philippines offers home loans with rates around 6.90% per annum, with Islamic financing options available. EastWest Bank offers competitive rates around 6.80% per annum, with flexible terms and special rates for teachers and government employees. Pag-IBIG Fund, the government housing fund, offers the most affordable rates at around 5.50% per annum, making it an attractive option for eligible members.

Home Equity Loan Calculator Philippines

If you already own a home and have built up equity, you may be able to take out a home equity loan to access cash for home improvements, debt consolidation, or other expenses. Our home equity loan calculator Philippines helps you calculate how much you can borrow based on your home's current value, your existing loan balance, and typical lending limits (usually up to 80% of your home's equity). This calculator shows your monthly payments, total interest costs, and helps you understand the financial implications of tapping into your home equity.

Export to Excel Feature

Our home loan calculator Philippines includes an export to Excel feature that allows you to download your complete payment schedule (amortization table) as a CSV file compatible with Microsoft Excel, Google Sheets, and other spreadsheet applications. This feature is particularly useful for financial planning, record-keeping, and sharing your loan details with financial advisors or family members. The exported file includes all payment details including month, payment date, beginning balance, principal payment, interest payment, extra payments, total payment, and ending balance for each month of your loan term.

Understanding Philippine Home Loan Terms

Philippine home loans typically have terms ranging from 5 to 30 years, with 15 to 20 years being the most common. Interest rates can be fixed for a certain period (usually 1-5 years) or variable throughout the loan term. Down payments typically range from 10% to 20% of the home price, though some banks offer special programs with lower down payment requirements. Property taxes in the Philippines vary by location but are typically around 1-2% of the assessed value annually. Home insurance is also required and typically costs around 0.2-0.5% of the home value annually.

All calculations are performed using standard Philippine lending formulas and consider factors such as loan amount, interest rate, loan term, property taxes, home insurance, and optional extra payments. The payment schedule shows a detailed amortization table with all monthly payments, helping you visualize how your loan balance decreases over time. You can export the payment schedule to Excel for further analysis and record-keeping.

This calculator is particularly useful for comparing loan offers from different Philippine banks, understanding the impact of interest rates on your repayments, and planning your financial future. Whether you're a first-time homebuyer or looking to refinance, our home loan calculator Philippines provides the insights you need to make confident financial decisions. The tool follows Philippine banking standards and BSP (Bangko Sentral ng Pilipinas) guidelines for loan calculations.