Loan Calculator Philippines
Free loan calculator Philippines to calculate monthly payments, total interest, and repayment schedules. Compare rates from BPI, RCBC, Metrobank, BDO, and Pag-IBIG. Plan your personal loans, car loans, home loans, and mortgage affordability based on salary.
Personal Loan Details
Results
Payment Schedule (Amortization Table)
| Month | Payment Date | Beginning Balance | Principal | Interest | Extra Payment | Total Payment | Ending Balance |
|---|---|---|---|---|---|---|---|
| 1 | November 1, 2025 | ₱100,000.00 | ₱1,232.67 | ₱979.17 | ₱0.00 | ₱2,211.83 | ₱98,767.33 |
| 2 | December 1, 2025 | ₱98,767.33 | ₱1,244.74 | ₱967.10 | ₱0.00 | ₱2,211.83 | ₱97,522.60 |
| 3 | January 1, 2026 | ₱97,522.60 | ₱1,256.92 | ₱954.91 | ₱0.00 | ₱2,211.83 | ₱96,265.68 |
| 4 | February 1, 2026 | ₱96,265.68 | ₱1,269.23 | ₱942.60 | ₱0.00 | ₱2,211.83 | ₱94,996.45 |
| 5 | March 1, 2026 | ₱94,996.45 | ₱1,281.66 | ₱930.17 | ₱0.00 | ₱2,211.83 | ₱93,714.79 |
| 6 | April 1, 2026 | ₱93,714.79 | ₱1,294.21 | ₱917.62 | ₱0.00 | ₱2,211.83 | ₱92,420.58 |
| 7 | May 1, 2026 | ₱92,420.58 | ₱1,306.88 | ₱904.95 | ₱0.00 | ₱2,211.83 | ₱91,113.70 |
| 8 | June 1, 2026 | ₱91,113.70 | ₱1,319.68 | ₱892.15 | ₱0.00 | ₱2,211.83 | ₱89,794.02 |
| 9 | July 1, 2026 | ₱89,794.02 | ₱1,332.60 | ₱879.23 | ₱0.00 | ₱2,211.83 | ₱88,461.42 |
| 10 | August 1, 2026 | ₱88,461.42 | ₱1,345.65 | ₱866.18 | ₱0.00 | ₱2,211.83 | ₱87,115.77 |
| 11 | September 1, 2026 | ₱87,115.77 | ₱1,358.82 | ₱853.01 | ₱0.00 | ₱2,211.83 | ₱85,756.95 |
| 12 | October 1, 2026 | ₱85,756.95 | ₱1,372.13 | ₱839.70 | ₱0.00 | ₱2,211.83 | ₱84,384.82 |
| 13 | November 1, 2026 | ₱84,384.82 | ₱1,385.56 | ₱826.27 | ₱0.00 | ₱2,211.83 | ₱82,999.26 |
| 14 | December 1, 2026 | ₱82,999.26 | ₱1,399.13 | ₱812.70 | ₱0.00 | ₱2,211.83 | ₱81,600.13 |
| 15 | January 1, 2027 | ₱81,600.13 | ₱1,412.83 | ₱799.00 | ₱0.00 | ₱2,211.83 | ₱80,187.30 |
| 16 | February 1, 2027 | ₱80,187.30 | ₱1,426.66 | ₱785.17 | ₱0.00 | ₱2,211.83 | ₱78,760.63 |
| 17 | March 1, 2027 | ₱78,760.63 | ₱1,440.63 | ₱771.20 | ₱0.00 | ₱2,211.83 | ₱77,320.00 |
| 18 | April 1, 2027 | ₱77,320.00 | ₱1,454.74 | ₱757.09 | ₱0.00 | ₱2,211.83 | ₱75,865.26 |
| 19 | May 1, 2027 | ₱75,865.26 | ₱1,468.98 | ₱742.85 | ₱0.00 | ₱2,211.83 | ₱74,396.27 |
| 20 | June 1, 2027 | ₱74,396.27 | ₱1,483.37 | ₱728.46 | ₱0.00 | ₱2,211.83 | ₱72,912.90 |
| 21 | July 1, 2027 | ₱72,912.90 | ₱1,497.89 | ₱713.94 | ₱0.00 | ₱2,211.83 | ₱71,415.01 |
| 22 | August 1, 2027 | ₱71,415.01 | ₱1,512.56 | ₱699.27 | ₱0.00 | ₱2,211.83 | ₱69,902.45 |
| 23 | September 1, 2027 | ₱69,902.45 | ₱1,527.37 | ₱684.46 | ₱0.00 | ₱2,211.83 | ₱68,375.08 |
| 24 | October 1, 2027 | ₱68,375.08 | ₱1,542.33 | ₱669.51 | ₱0.00 | ₱2,211.83 | ₱66,832.75 |
| 25 | November 1, 2027 | ₱66,832.75 | ₱1,557.43 | ₱654.40 | ₱0.00 | ₱2,211.83 | ₱65,275.33 |
| 26 | December 1, 2027 | ₱65,275.33 | ₱1,572.68 | ₱639.15 | ₱0.00 | ₱2,211.83 | ₱63,702.65 |
| 27 | January 1, 2028 | ₱63,702.65 | ₱1,588.08 | ₱623.76 | ₱0.00 | ₱2,211.83 | ₱62,114.57 |
| 28 | February 1, 2028 | ₱62,114.57 | ₱1,603.63 | ₱608.21 | ₱0.00 | ₱2,211.83 | ₱60,510.94 |
| 29 | March 1, 2028 | ₱60,510.94 | ₱1,619.33 | ₱592.50 | ₱0.00 | ₱2,211.83 | ₱58,891.61 |
| 30 | April 1, 2028 | ₱58,891.61 | ₱1,635.19 | ₱576.65 | ₱0.00 | ₱2,211.83 | ₱57,256.43 |
| 31 | May 1, 2028 | ₱57,256.43 | ₱1,651.20 | ₱560.64 | ₱0.00 | ₱2,211.83 | ₱55,605.23 |
| 32 | June 1, 2028 | ₱55,605.23 | ₱1,667.36 | ₱544.47 | ₱0.00 | ₱2,211.83 | ₱53,937.87 |
| 33 | July 1, 2028 | ₱53,937.87 | ₱1,683.69 | ₱528.14 | ₱0.00 | ₱2,211.83 | ₱52,254.18 |
| 34 | August 1, 2028 | ₱52,254.18 | ₱1,700.18 | ₱511.66 | ₱0.00 | ₱2,211.83 | ₱50,554.00 |
| 35 | September 1, 2028 | ₱50,554.00 | ₱1,716.82 | ₱495.01 | ₱0.00 | ₱2,211.83 | ₱48,837.18 |
| 36 | October 1, 2028 | ₱48,837.18 | ₱1,733.63 | ₱478.20 | ₱0.00 | ₱2,211.83 | ₱47,103.54 |
| 37 | November 1, 2028 | ₱47,103.54 | ₱1,750.61 | ₱461.22 | ₱0.00 | ₱2,211.83 | ₱45,352.93 |
| 38 | December 1, 2028 | ₱45,352.93 | ₱1,767.75 | ₱444.08 | ₱0.00 | ₱2,211.83 | ₱43,585.18 |
| 39 | January 1, 2029 | ₱43,585.18 | ₱1,785.06 | ₱426.77 | ₱0.00 | ₱2,211.83 | ₱41,800.12 |
| 40 | February 1, 2029 | ₱41,800.12 | ₱1,802.54 | ₱409.29 | ₱0.00 | ₱2,211.83 | ₱39,997.58 |
| 41 | March 1, 2029 | ₱39,997.58 | ₱1,820.19 | ₱391.64 | ₱0.00 | ₱2,211.83 | ₱38,177.39 |
| 42 | April 1, 2029 | ₱38,177.39 | ₱1,838.01 | ₱373.82 | ₱0.00 | ₱2,211.83 | ₱36,339.38 |
| 43 | May 1, 2029 | ₱36,339.38 | ₱1,856.01 | ₱355.82 | ₱0.00 | ₱2,211.83 | ₱34,483.37 |
| 44 | June 1, 2029 | ₱34,483.37 | ₱1,874.18 | ₱337.65 | ₱0.00 | ₱2,211.83 | ₱32,609.19 |
| 45 | July 1, 2029 | ₱32,609.19 | ₱1,892.53 | ₱319.30 | ₱0.00 | ₱2,211.83 | ₱30,716.66 |
| 46 | August 1, 2029 | ₱30,716.66 | ₱1,911.06 | ₱300.77 | ₱0.00 | ₱2,211.83 | ₱28,805.59 |
| 47 | September 1, 2029 | ₱28,805.59 | ₱1,929.78 | ₱282.05 | ₱0.00 | ₱2,211.83 | ₱26,875.81 |
| 48 | October 1, 2029 | ₱26,875.81 | ₱1,948.67 | ₱263.16 | ₱0.00 | ₱2,211.83 | ₱24,927.14 |
| 49 | November 1, 2029 | ₱24,927.14 | ₱1,967.75 | ₱244.08 | ₱0.00 | ₱2,211.83 | ₱22,959.39 |
| 50 | December 1, 2029 | ₱22,959.39 | ₱1,987.02 | ₱224.81 | ₱0.00 | ₱2,211.83 | ₱20,972.37 |
| 51 | January 1, 2030 | ₱20,972.37 | ₱2,006.48 | ₱205.35 | ₱0.00 | ₱2,211.83 | ₱18,965.89 |
| 52 | February 1, 2030 | ₱18,965.89 | ₱2,026.12 | ₱185.71 | ₱0.00 | ₱2,211.83 | ₱16,939.76 |
| 53 | March 1, 2030 | ₱16,939.76 | ₱2,045.96 | ₱165.87 | ₱0.00 | ₱2,211.83 | ₱14,893.80 |
| 54 | April 1, 2030 | ₱14,893.80 | ₱2,066.00 | ₱145.84 | ₱0.00 | ₱2,211.83 | ₱12,827.80 |
| 55 | May 1, 2030 | ₱12,827.80 | ₱2,086.23 | ₱125.61 | ₱0.00 | ₱2,211.83 | ₱10,741.58 |
| 56 | June 1, 2030 | ₱10,741.58 | ₱2,106.65 | ₱105.18 | ₱0.00 | ₱2,211.83 | ₱8,634.92 |
| 57 | July 1, 2030 | ₱8,634.92 | ₱2,127.28 | ₱84.55 | ₱0.00 | ₱2,211.83 | ₱6,507.64 |
| 58 | August 1, 2030 | ₱6,507.64 | ₱2,148.11 | ₱63.72 | ₱0.00 | ₱2,211.83 | ₱4,359.53 |
| 59 | September 1, 2030 | ₱4,359.53 | ₱2,169.15 | ₱42.69 | ₱0.00 | ₱2,211.83 | ₱2,190.38 |
| 60 | October 1, 2030 | ₱2,190.38 | ₱2,190.38 | ₱21.45 | ₱0.00 | ₱2,211.83 | ₱0.00 |
About Loan Calculator Philippines
Our free loan calculator Philippines is a comprehensive tool designed to help Filipinos make informed financial decisions. Whether you're planning to take out a personal loan, finance a car, purchase a home, or determine your mortgage affordability based on salary, this calculator provides accurate estimates based on current market rates from major Philippine banks.
The calculator supports multiple loan types including personal loans, car loans, and home loans. You can compare interest rates from major Philippine banks including BPI (Bank of the Philippine Islands), RCBC (Rizal Commercial Banking Corporation), Metrobank, BDO (Banco de Oro), and Pag-IBIG Fund. The tool helps you understand monthly repayments, total interest costs, and how extra payments can reduce your loan term and save money.
For personal loans, the calculator helps you understand your monthly repayments and total interest costs. Car loan calculations help you plan your vehicle financing with options for down payments. Home loan calculations account for additional costs such as property tax and home insurance, giving you a complete picture of your monthly housing expenses.
The mortgage calculator based on salary helps you determine how much you can borrow based on your annual income, monthly expenses, existing debts, and dependents, following Philippine lending guidelines. This is particularly useful for first-time homebuyers who want to understand their borrowing capacity before house hunting.
All calculations are performed using standard Philippine lending formulas and consider factors such as loan amount, interest rate, loan term, 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 banks, understanding the impact of interest rates on your repayments, and planning your financial future. Whether you're a first-time borrower or looking to refinance, our loan calculator Philippines provides the insights you need to make confident financial decisions. The tool is BSP-compliant and follows Philippine banking standards for loan calculations.