Metrobank Personal Loan Calculator
Free Metrobank personal loan calculator to calculate monthly payments, loan eligibility based on salary, interest rates, and repayment schedules. Plan your Metrobank personal loan or cash loan in Philippines with instant results for 2025.
Loan Details
Extra Payments (Optional)
Results
Payment Schedule
| Month | Payment Date | Beginning Balance | Principal | Interest | Extra Payment | Total Payment | Ending Balance |
|---|---|---|---|---|---|---|---|
| 1 | November 1, 2025 | ₱100,000.00 | ₱1,224.44 | ₱1,000.00 | ₱0.00 | ₱2,224.44 | ₱98,775.56 |
| 2 | December 1, 2025 | ₱98,775.56 | ₱1,236.69 | ₱987.76 | ₱0.00 | ₱2,224.44 | ₱97,538.87 |
| 3 | January 1, 2026 | ₱97,538.87 | ₱1,249.06 | ₱975.39 | ₱0.00 | ₱2,224.44 | ₱96,289.81 |
| 4 | February 1, 2026 | ₱96,289.81 | ₱1,261.55 | ₱962.90 | ₱0.00 | ₱2,224.44 | ₱95,028.26 |
| 5 | March 1, 2026 | ₱95,028.26 | ₱1,274.16 | ₱950.28 | ₱0.00 | ₱2,224.44 | ₱93,754.10 |
| 6 | April 1, 2026 | ₱93,754.10 | ₱1,286.90 | ₱937.54 | ₱0.00 | ₱2,224.44 | ₱92,467.20 |
| 7 | May 1, 2026 | ₱92,467.20 | ₱1,299.77 | ₱924.67 | ₱0.00 | ₱2,224.44 | ₱91,167.42 |
| 8 | June 1, 2026 | ₱91,167.42 | ₱1,312.77 | ₱911.67 | ₱0.00 | ₱2,224.44 | ₱89,854.65 |
| 9 | July 1, 2026 | ₱89,854.65 | ₱1,325.90 | ₱898.55 | ₱0.00 | ₱2,224.44 | ₱88,528.76 |
| 10 | August 1, 2026 | ₱88,528.76 | ₱1,339.16 | ₱885.29 | ₱0.00 | ₱2,224.44 | ₱87,189.60 |
| 11 | September 1, 2026 | ₱87,189.60 | ₱1,352.55 | ₱871.90 | ₱0.00 | ₱2,224.44 | ₱85,837.05 |
| 12 | October 1, 2026 | ₱85,837.05 | ₱1,366.07 | ₱858.37 | ₱0.00 | ₱2,224.44 | ₱84,470.98 |
| 13 | November 1, 2026 | ₱84,470.98 | ₱1,379.74 | ₱844.71 | ₱0.00 | ₱2,224.44 | ₱83,091.24 |
| 14 | December 1, 2026 | ₱83,091.24 | ₱1,393.53 | ₱830.91 | ₱0.00 | ₱2,224.44 | ₱81,697.71 |
| 15 | January 1, 2027 | ₱81,697.71 | ₱1,407.47 | ₱816.98 | ₱0.00 | ₱2,224.44 | ₱80,290.24 |
| 16 | February 1, 2027 | ₱80,290.24 | ₱1,421.54 | ₱802.90 | ₱0.00 | ₱2,224.44 | ₱78,868.70 |
| 17 | March 1, 2027 | ₱78,868.70 | ₱1,435.76 | ₱788.69 | ₱0.00 | ₱2,224.44 | ₱77,432.94 |
| 18 | April 1, 2027 | ₱77,432.94 | ₱1,450.12 | ₱774.33 | ₱0.00 | ₱2,224.44 | ₱75,982.82 |
| 19 | May 1, 2027 | ₱75,982.82 | ₱1,464.62 | ₱759.83 | ₱0.00 | ₱2,224.44 | ₱74,518.21 |
| 20 | June 1, 2027 | ₱74,518.21 | ₱1,479.26 | ₱745.18 | ₱0.00 | ₱2,224.44 | ₱73,038.95 |
| 21 | July 1, 2027 | ₱73,038.95 | ₱1,494.06 | ₱730.39 | ₱0.00 | ₱2,224.44 | ₱71,544.89 |
| 22 | August 1, 2027 | ₱71,544.89 | ₱1,509.00 | ₱715.45 | ₱0.00 | ₱2,224.44 | ₱70,035.89 |
| 23 | September 1, 2027 | ₱70,035.89 | ₱1,524.09 | ₱700.36 | ₱0.00 | ₱2,224.44 | ₱68,511.81 |
| 24 | October 1, 2027 | ₱68,511.81 | ₱1,539.33 | ₱685.12 | ₱0.00 | ₱2,224.44 | ₱66,972.48 |
| 25 | November 1, 2027 | ₱66,972.48 | ₱1,554.72 | ₱669.72 | ₱0.00 | ₱2,224.44 | ₱65,417.76 |
| 26 | December 1, 2027 | ₱65,417.76 | ₱1,570.27 | ₱654.18 | ₱0.00 | ₱2,224.44 | ₱63,847.49 |
| 27 | January 1, 2028 | ₱63,847.49 | ₱1,585.97 | ₱638.47 | ₱0.00 | ₱2,224.44 | ₱62,261.53 |
| 28 | February 1, 2028 | ₱62,261.53 | ₱1,601.83 | ₱622.62 | ₱0.00 | ₱2,224.44 | ₱60,659.70 |
| 29 | March 1, 2028 | ₱60,659.70 | ₱1,617.85 | ₱606.60 | ₱0.00 | ₱2,224.44 | ₱59,041.85 |
| 30 | April 1, 2028 | ₱59,041.85 | ₱1,634.03 | ₱590.42 | ₱0.00 | ₱2,224.44 | ₱57,407.82 |
| 31 | May 1, 2028 | ₱57,407.82 | ₱1,650.37 | ₱574.08 | ₱0.00 | ₱2,224.44 | ₱55,757.45 |
| 32 | June 1, 2028 | ₱55,757.45 | ₱1,666.87 | ₱557.57 | ₱0.00 | ₱2,224.44 | ₱54,090.58 |
| 33 | July 1, 2028 | ₱54,090.58 | ₱1,683.54 | ₱540.91 | ₱0.00 | ₱2,224.44 | ₱52,407.05 |
| 34 | August 1, 2028 | ₱52,407.05 | ₱1,700.37 | ₱524.07 | ₱0.00 | ₱2,224.44 | ₱50,706.67 |
| 35 | September 1, 2028 | ₱50,706.67 | ₱1,717.38 | ₱507.07 | ₱0.00 | ₱2,224.44 | ₱48,989.29 |
| 36 | October 1, 2028 | ₱48,989.29 | ₱1,734.55 | ₱489.89 | ₱0.00 | ₱2,224.44 | ₱47,254.74 |
| 37 | November 1, 2028 | ₱47,254.74 | ₱1,751.90 | ₱472.55 | ₱0.00 | ₱2,224.44 | ₱45,502.84 |
| 38 | December 1, 2028 | ₱45,502.84 | ₱1,769.42 | ₱455.03 | ₱0.00 | ₱2,224.44 | ₱43,733.43 |
| 39 | January 1, 2029 | ₱43,733.43 | ₱1,787.11 | ₱437.33 | ₱0.00 | ₱2,224.44 | ₱41,946.32 |
| 40 | February 1, 2029 | ₱41,946.32 | ₱1,804.98 | ₱419.46 | ₱0.00 | ₱2,224.44 | ₱40,141.34 |
| 41 | March 1, 2029 | ₱40,141.34 | ₱1,823.03 | ₱401.41 | ₱0.00 | ₱2,224.44 | ₱38,318.30 |
| 42 | April 1, 2029 | ₱38,318.30 | ₱1,841.26 | ₱383.18 | ₱0.00 | ₱2,224.44 | ₱36,477.04 |
| 43 | May 1, 2029 | ₱36,477.04 | ₱1,859.67 | ₱364.77 | ₱0.00 | ₱2,224.44 | ₱34,617.37 |
| 44 | June 1, 2029 | ₱34,617.37 | ₱1,878.27 | ₱346.17 | ₱0.00 | ₱2,224.44 | ₱32,739.10 |
| 45 | July 1, 2029 | ₱32,739.10 | ₱1,897.05 | ₱327.39 | ₱0.00 | ₱2,224.44 | ₱30,842.04 |
| 46 | August 1, 2029 | ₱30,842.04 | ₱1,916.02 | ₱308.42 | ₱0.00 | ₱2,224.44 | ₱28,926.02 |
| 47 | September 1, 2029 | ₱28,926.02 | ₱1,935.18 | ₱289.26 | ₱0.00 | ₱2,224.44 | ₱26,990.83 |
| 48 | October 1, 2029 | ₱26,990.83 | ₱1,954.54 | ₱269.91 | ₱0.00 | ₱2,224.44 | ₱25,036.30 |
| 49 | November 1, 2029 | ₱25,036.30 | ₱1,974.08 | ₱250.36 | ₱0.00 | ₱2,224.44 | ₱23,062.22 |
| 50 | December 1, 2029 | ₱23,062.22 | ₱1,993.82 | ₱230.62 | ₱0.00 | ₱2,224.44 | ₱21,068.39 |
| 51 | January 1, 2030 | ₱21,068.39 | ₱2,013.76 | ₱210.68 | ₱0.00 | ₱2,224.44 | ₱19,054.63 |
| 52 | February 1, 2030 | ₱19,054.63 | ₱2,033.90 | ₱190.55 | ₱0.00 | ₱2,224.44 | ₱17,020.73 |
| 53 | March 1, 2030 | ₱17,020.73 | ₱2,054.24 | ₱170.21 | ₱0.00 | ₱2,224.44 | ₱14,966.50 |
| 54 | April 1, 2030 | ₱14,966.50 | ₱2,074.78 | ₱149.66 | ₱0.00 | ₱2,224.44 | ₱12,891.72 |
| 55 | May 1, 2030 | ₱12,891.72 | ₱2,095.53 | ₱128.92 | ₱0.00 | ₱2,224.44 | ₱10,796.19 |
| 56 | June 1, 2030 | ₱10,796.19 | ₱2,116.48 | ₱107.96 | ₱0.00 | ₱2,224.44 | ₱8,679.71 |
| 57 | July 1, 2030 | ₱8,679.71 | ₱2,137.65 | ₱86.80 | ₱0.00 | ₱2,224.44 | ₱6,542.06 |
| 58 | August 1, 2030 | ₱6,542.06 | ₱2,159.02 | ₱65.42 | ₱0.00 | ₱2,224.44 | ₱4,383.03 |
| 59 | September 1, 2030 | ₱4,383.03 | ₱2,180.61 | ₱43.83 | ₱0.00 | ₱2,224.44 | ₱2,202.42 |
| 60 | October 1, 2030 | ₱2,202.42 | ₱2,202.42 | ₱22.02 | ₱0.00 | ₱2,224.44 | ₱0.00 |
Understanding Metrobank Personal Loan Calculator: Your Guide to Smart Borrowing in the Philippines
Metrobank, officially known as Metropolitan Bank and Trust Company, is one of the largest and most trusted banks in the Philippines, offering comprehensive personal loan and cash loan solutions to help Filipinos achieve their financial goals. Whether you're planning a major purchase, consolidating debt, covering unexpected expenses, funding a special occasion, or need quick access to cash, understanding how much you'll pay for a Metrobank personal loan is crucial for making informed financial decisions. This is where a Metrobank personal loan calculator becomes an invaluable tool.
A Metrobank personal loan calculator helps you estimate your monthly payments, total interest costs, and repayment schedule before you commit to borrowing. By entering basic information such as loan amount, interest rate, and loan term, you can instantly see how different loan options compare and determine which arrangement works best for your financial situation. Whether you're considering a Metrobank personal loan or a Metrobank cash loan, these calculators provide essential insights for smart borrowing decisions in the Philippines.
What Is a Metrobank Personal Loan Calculator?
A Metrobank personal loan calculator is an online financial tool that computes your monthly loan payments, total interest, and overall loan cost based on the principal amount, annual interest rate, and loan term. These calculators are designed specifically for Metrobank personal loan and cash loan products and account for Philippine banking practices, interest rates, and loan terms. The Metrobank personal loan calculator Philippines and Metrobank cash loan calculator Philippines are tailored for Filipino borrowers.
For example, if you're considering a PHP 100,000 personal loan from Metrobank at a 12% annual interest rate over 5 years (60 months), a Metrobank personal loan calculator will show you exactly how much you'll pay each month, how much of that payment goes toward interest versus principal, and the total amount you'll repay over the loan's lifetime. Similarly, a Metrobank cash loan calculator can help you understand the costs associated with cash loans, which may have slightly different interest rates and terms.
How Metrobank Personal Loan Calculators Work
Metrobank personal loan calculators use the standard amortization formula to determine monthly payments. The calculation is based on the following formula:
Where: P = principal (loan amount), r = monthly interest rate (annual rate ÷ 12), n = number of total payments (loan term in months)
This formula ensures that each payment is calculated to pay off both interest and principal in equal installments over the loan term. Understanding this calculation helps you see how different factors—such as interest rate changes or loan term adjustments—affect your monthly payment and total cost. The Metrobank personal loan interest rate calculator feature helps you understand how rates impact your payments.
Key Features of Metrobank Personal Loan Calculators
- Basic Loan Calculation
Most Metrobank personal loan calculators allow you to input loan amount, annual interest rate, and loan term to calculate your monthly payment. This basic functionality helps you quickly estimate whether a loan is affordable for your budget. The Metrobank personal loan calculator app and Metrobank personal loan calculator Philippines app provide convenient access to these calculations.
- Personal Loan vs Cash Loan Options
Metrobank offers both personal loans and cash loans, each with different features and interest rates. A Metrobank personal loan calculator allows you to compare both options, while a Metrobank cash loan calculator specifically focuses on cash loan calculations. Understanding the differences helps you choose the right product for your needs.
- Metrobank Personal Loan Calculator Based on Salary
One of the most valuable features is the ability to calculate loan eligibility based on your monthly salary. A Metrobank personal loan calculator based on salary shows you the maximum loan amount you can qualify for based on your income, existing obligations, and Metrobank's lending criteria. This feature is particularly useful for understanding Metrobank personal loan requirements and Metrobank cash loan requirements, and calculating loan amount eligibility.
- Interest Rate Calculator
Metrobank personal loan interest rate calculators help you understand how different interest rates affect your monthly payments and total loan cost. You can input various interest rates to see how they impact your repayment schedule and overall borrowing costs. The Metrobank personal loan interest rate calculator and Metrobank personal loan interest rates information help you make informed decisions.
- Repayment Schedule
Detailed calculators provide a month-by-month breakdown showing how much of each payment goes toward principal versus interest. This helps you understand how your loan balance decreases over time and how interest costs are distributed throughout the loan term. The payment schedule feature is essential for financial planning and understanding the loan structure.
- Export Functionality
Many Metrobank personal loan calculators offer CSV and PDF export functionality, allowing you to download your repayment schedule and loan details. This is useful for keeping records and sharing information with financial advisors. The Metrobank personal loan calculator Philippines PDF export feature is particularly helpful for documentation purposes.
- Online Accessibility
Metrobank online personal loan calculator tools are accessible from any device with internet connection, making it easy to calculate loan payments anytime, anywhere. Whether you're using a Metrobank personal loan calculator Philippines app or accessing the calculator through a web browser, you can get instant results. The Metrobank personal loan calculator app provides convenient mobile access.
Metrobank Personal Loan Calculator Philippines
Metrobank personal loan calculator Philippines is specifically designed for Filipino borrowers, accounting for PHP amounts, local interest rates (typically around 10% to 15%), and Philippine banking regulations. These calculators help you compare personal loan and cash loan offers from Metrobank Philippines and understand repayment terms in Philippine Peso. The Metrobank personal loan calculator Philippines app and Metrobank cash loan calculator Philippines provide convenient access to loan calculations for Filipino borrowers.
Understanding Metrobank Personal Loan Interest Rate
Metrobank personal loan interest rates vary based on several factors including your credit score, loan amount, loan term, relationship with the bank, and whether you're applying for a personal loan or cash loan. Typically, Metrobank personal loan interest rates range from 10% to 15% per annum, while cash loan rates may be slightly higher. Using a Metrobank personal loan interest rate calculator helps you understand how different rates affect your monthly payments and total borrowing costs. Understanding Metrobank personal loan interest rates is crucial for making informed borrowing decisions.
Metrobank Personal Loan Requirements
Before applying for a Metrobank personal loan, it's important to understand the requirements. Metrobank personal loan requirements Philippines typically include:
- Filipino citizen or permanent resident
- Age: 21 to 65 years old at loan maturity
- Minimum monthly income requirement (varies by loan amount)
- Stable source of income (employed or self-employed)
- Good credit standing
- Valid government-issued ID (Metrobank personal loan ID requirements)
- Proof of income and residence
Metrobank personal loan application requirements include completed application forms and all necessary documents. Metrobank cash loan requirements are similar but may have additional considerations. Using a Metrobank personal loan calculator based on salary helps you determine if you meet the income requirements for your desired loan amount.
Metrobank Cash Loan Calculator
Metrobank cash loan calculator Philippines helps you calculate monthly payments, interest rates, and repayment schedules for cash loans. Cash loans are designed for quick access to funds and may have slightly different terms compared to personal loans. The Metrobank cash loan calculator Philippines and Metrobank cash loan requirements information help you understand the costs and eligibility for cash loans.
Benefits of Using a Metrobank Personal Loan Calculator
- Budget Planning: Calculate your monthly payment before applying to ensure it fits your budget.
- Eligibility Assessment: Use a Metrobank personal loan calculator based on salary to determine how much you can borrow based on your income and understand Metrobank personal loan requirements and Metrobank cash loan requirements.
- Compare Loan Types: Compare personal loans vs cash loans to find the best option for your needs.
- Understand Total Cost: See not just your monthly payment, but the total amount you'll pay over the loan's lifetime, including all interest.
- Compare Options: Use the calculator to compare different loan terms and interest rates to find the best option for your needs.
- Export for Records: Download CSV or PDF files of your repayment schedule for your records. The Metrobank personal loan calculator Philippines PDF export feature is particularly useful.
- Avoid Surprises: Understand exactly what you're committing to before signing any loan agreement.
Example Calculation
Let's say you're considering a PHP 100,000 personal loan from Metrobank:
- Loan Amount: PHP 100,000
- Annual Interest Rate: 12%
- Loan Term: 5 years (60 months)
Using a Metrobank personal loan calculator, your monthly payment would be approximately PHP 2,225. This means over 5 years, you'd pay about PHP 33,500 in interest, for a total repayment of PHP 133,500.
If you use a Metrobank personal loan calculator based on salary and your monthly income is PHP 30,000 with no existing obligations, the calculator might show that you're eligible for up to PHP 150,000, with a recommended loan amount of PHP 135,000 (90% of maximum for safety). The calculator will also show the minimum salary required for your desired loan amount and help you understand Metrobank personal loan requirements.
Factors That Affect Your Metrobank Personal Loan
- Credit Score: Higher credit scores typically result in lower interest rates.
- Loan Amount: Larger loans may have different interest rates than smaller ones.
- Loan Term: Longer terms mean lower monthly payments but higher total interest costs.
- Loan Type: Personal loans and cash loans may have different interest rates and terms.
- Interest Rate: Even small differences in interest rates can significantly impact your total cost. Metrobank personal loan interest rates typically range from 10% to 15%.
- Monthly Income: Metrobank has minimum salary requirements for personal loans. Understanding Metrobank personal loan requirements helps determine eligibility.
How to Use a Metrobank Personal Loan Calculator
- Select loan type (Personal Loan or Cash Loan).
- Enter your desired loan amount in PHP.
- Input the annual interest rate offered by Metrobank (or use the default rate).
- Select your preferred loan term (typically 12 to 84 months, depending on Metrobank's offerings).
- If using the salary-based calculator, enter your monthly salary and existing obligations to check Metrobank personal loan requirements.
- Review your monthly payment, total interest, and total repayment amount.
- Export your repayment schedule as CSV or PDF for your records. The Metrobank personal loan calculator Philippines PDF export feature is particularly useful.
Tips for Using Metrobank Personal Loan Calculators Effectively
- Use current interest rates from Metrobank when possible. Rates can change, so check with Metrobank for their latest offers.
- Consider all costs, not just the monthly payment. A lower monthly payment might mean a longer term and higher total interest.
- Compare personal loans vs cash loans to find the best option for your needs.
- Use the salary-based calculator to understand your borrowing capacity and Metrobank personal loan requirements before applying.
- Compare different loan terms to find the most cost-effective option for your situation.
- Export your repayment schedule as CSV or PDF for future reference and financial planning. The Metrobank personal loan calculator Philippines PDF export feature is helpful for documentation.
- Access the Metrobank online personal loan calculator or Metrobank personal loan calculator Philippines app for convenient calculations on the go.
- Review the Metrobank personal loan interest rate calculator to understand how rates affect your payments.
Conclusion
A Metrobank personal loan calculator is an essential tool for anyone considering borrowing money from Metrobank in the Philippines. Whether you're using the Metrobank personal loan calculator Philippines, Metrobank cash loan calculator Philippines, Metrobank online personal loan calculator, or Metrobank personal loan calculator Philippines app, these tools help you make informed financial decisions.
By understanding your monthly payments, total interest costs, and repayment schedule, you can choose the loan option that best fits your financial situation. The ability to calculate loan eligibility based on salary, understand Metrobank personal loan requirements and Metrobank cash loan requirements, compare personal loans vs cash loans, and export repayment schedules makes Metrobank personal loan calculators invaluable for smart borrowing decisions in the Philippines.
Before committing to any Metrobank personal loan or cash loan, take the time to use a calculator to explore different options. This simple step can help you save thousands in interest and find a loan that works best for your budget and financial goals. Understanding Metrobank personal loan interest rates, personal loan requirements, cash loan requirements, and repayment schedules through the Metrobank personal loan calculator Philippines PDF export feature will help you make the best financial decision.