Pag-IBIG Salary Loan Calculator Philippines
Free Pag-IBIG salary loan calculator Philippines to calculate loan amounts based on salary, monthly payments, interest, penalties, second loan eligibility, and salary deductions. Plan your Pag-IBIG salary loan with instant results for 2025.
Basic Loan Calculator
Maximum loan amount: ₱720,000 (24 months of salary)
Pag-IBIG Salary Loan term: 1 to 5 years
Default Pag-IBIG Salary Loan rate: 10.5%
Results
Payment Schedule (Amortization Table)
| Month | Payment Date | Beginning Balance | Principal | Interest | Extra Payment | Total Payment | Ending Balance |
|---|---|---|---|---|---|---|---|
| 1 | November 1, 2025 | ₱500,000.00 | ₱18,813.02 | ₱4,375.00 | ₱0.00 | ₱23,188.02 | ₱481,186.98 |
| 2 | December 1, 2025 | ₱481,186.98 | ₱18,977.63 | ₱4,210.39 | ₱0.00 | ₱23,188.02 | ₱462,209.34 |
| 3 | January 1, 2026 | ₱462,209.34 | ₱19,143.69 | ₱4,044.33 | ₱0.00 | ₱23,188.02 | ₱443,065.66 |
| 4 | February 1, 2026 | ₱443,065.66 | ₱19,311.20 | ₱3,876.82 | ₱0.00 | ₱23,188.02 | ₱423,754.46 |
| 5 | March 1, 2026 | ₱423,754.46 | ₱19,480.17 | ₱3,707.85 | ₱0.00 | ₱23,188.02 | ₱404,274.29 |
| 6 | April 1, 2026 | ₱404,274.29 | ₱19,650.62 | ₱3,537.40 | ₱0.00 | ₱23,188.02 | ₱384,623.67 |
| 7 | May 1, 2026 | ₱384,623.67 | ₱19,822.56 | ₱3,365.46 | ₱0.00 | ₱23,188.02 | ₱364,801.11 |
| 8 | June 1, 2026 | ₱364,801.11 | ₱19,996.01 | ₱3,192.01 | ₱0.00 | ₱23,188.02 | ₱344,805.09 |
| 9 | July 1, 2026 | ₱344,805.09 | ₱20,170.98 | ₱3,017.04 | ₱0.00 | ₱23,188.02 | ₱324,634.12 |
| 10 | August 1, 2026 | ₱324,634.12 | ₱20,347.47 | ₱2,840.55 | ₱0.00 | ₱23,188.02 | ₱304,286.65 |
| 11 | September 1, 2026 | ₱304,286.65 | ₱20,525.51 | ₱2,662.51 | ₱0.00 | ₱23,188.02 | ₱283,761.13 |
| 12 | October 1, 2026 | ₱283,761.13 | ₱20,705.11 | ₱2,482.91 | ₱0.00 | ₱23,188.02 | ₱263,056.02 |
| 13 | November 1, 2026 | ₱263,056.02 | ₱20,886.28 | ₱2,301.74 | ₱0.00 | ₱23,188.02 | ₱242,169.74 |
| 14 | December 1, 2026 | ₱242,169.74 | ₱21,069.04 | ₱2,118.99 | ₱0.00 | ₱23,188.02 | ₱221,100.71 |
| 15 | January 1, 2027 | ₱221,100.71 | ₱21,253.39 | ₱1,934.63 | ₱0.00 | ₱23,188.02 | ₱199,847.32 |
| 16 | February 1, 2027 | ₱199,847.32 | ₱21,439.36 | ₱1,748.66 | ₱0.00 | ₱23,188.02 | ₱178,407.96 |
| 17 | March 1, 2027 | ₱178,407.96 | ₱21,626.95 | ₱1,561.07 | ₱0.00 | ₱23,188.02 | ₱156,781.01 |
| 18 | April 1, 2027 | ₱156,781.01 | ₱21,816.19 | ₱1,371.83 | ₱0.00 | ₱23,188.02 | ₱134,964.82 |
| 19 | May 1, 2027 | ₱134,964.82 | ₱22,007.08 | ₱1,180.94 | ₱0.00 | ₱23,188.02 | ₱112,957.74 |
| 20 | June 1, 2027 | ₱112,957.74 | ₱22,199.64 | ₱988.38 | ₱0.00 | ₱23,188.02 | ₱90,758.10 |
| 21 | July 1, 2027 | ₱90,758.10 | ₱22,393.89 | ₱794.13 | ₱0.00 | ₱23,188.02 | ₱68,364.21 |
| 22 | August 1, 2027 | ₱68,364.21 | ₱22,589.83 | ₱598.19 | ₱0.00 | ₱23,188.02 | ₱45,774.38 |
| 23 | September 1, 2027 | ₱45,774.38 | ₱22,787.49 | ₱400.53 | ₱0.00 | ₱23,188.02 | ₱22,986.89 |
| 24 | October 1, 2027 | ₱22,986.89 | ₱22,986.89 | ₱201.14 | ₱0.00 | ₱23,188.02 | ₱0.00 |
About Pag-IBIG Salary Loan Calculator Philippines
Our free Pag-IBIG salary loan calculator Philippines is a comprehensive tool designed to help Pag-IBIG Fund members make informed financial decisions about their salary loans. Whether you're planning to take out your first Pag-IBIG salary loan, calculating interest and penalties, determining eligibility for a second loan, or understanding how loan deductions will affect your monthly salary, this calculator provides accurate estimates based on current Pag-IBIG Fund rates and policies for 2025.
The Pag-IBIG Salary Loan is a short-term loan program available to Pag-IBIG Fund members who have made at least 24 monthly contributions. This loan program allows members to borrow up to 24 months of their monthly salary for their first loan, with repayment terms ranging from 1 to 5 years. The interest rate for Pag-IBIG salary loans is typically around 10.5% per annum, making it an affordable option for members who need quick access to funds.
Our basic loan calculator helps you determine your monthly payment, total interest, and total payment amount based on your loan amount, interest rate, and loan term. You can also see your maximum eligible loan amount based on your monthly salary, ensuring you stay within Pag-IBIG's lending limits. The calculator includes options for extra payments, allowing you to see how additional payments can reduce your loan term and save on interest costs.
The interest calculator helps you understand how interest is calculated on your Pag-IBIG salary loan. It shows monthly and daily interest rates, annual interest costs, and can calculate late interest if you're making payments after the due date. This is particularly useful for understanding the cost of borrowing and planning your repayment strategy.
The penalty calculator helps you determine the penalties you'll incur if your loan payments become overdue. Pag-IBIG typically charges a penalty rate of 1% per month on overdue amounts. This calculator shows your monthly penalty, total penalty based on months overdue, and the total amount due including penalties, helping you understand the full cost of late payments.
The second loan calculator helps you determine your eligibility for a second Pag-IBIG salary loan. Members who have fully paid their first loan or have a remaining balance of less than 50% of their maximum second loan amount may be eligible for a second loan of up to 36 months of their monthly salary. This calculator helps you understand your maximum second loan amount and eligibility status.
The salary deduction calculator is particularly useful for understanding how your Pag-IBIG salary loan will affect your take-home pay. It calculates your monthly loan payment, shows what percentage of your salary will be deducted, and displays your remaining salary after the deduction. This helps you plan your budget and ensure you can comfortably afford your loan payments.
All calculations are performed using standard Pag-IBIG Fund 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 different loan scenarios, understanding the impact of interest rates and loan terms on your repayments, and planning your financial future. Whether you're a first-time borrower or looking to take out a second loan, our Pag-IBIG salary loan calculator provides the insights you need to make confident financial decisions. The tool follows Pag-IBIG Fund policies and standards for loan calculations, ensuring accuracy and compliance with official guidelines.