Home Loan Calculator
Estimate monthly payments, total cost, and compare loan scenarios — works for Pag-IBIG, bank, or any housing loan
Loan Details
Purchase price of the property
Amount already paid upfront
Price minus down payment, or enter manually
Loan amount must be greater than 0
Rate & Term Scenarios
No scenarios yet. Add interest rate and term combinations above to compare.
About This Calculator
Planning to buy a home? This calculator helps you estimate your monthly amortization and understand the true cost of any housing loan — whether through Pag-IBIG, a bank, or any other lender.
How it works: Enter your property price and down payment — the calculator automatically computes your loan amount. Then add one or more interest rate and term combinations to compare scenarios side by side.
What You’ll See
- Estimated Monthly Payment — based on standard amortization formula
- Total Cost with Interest — the full amount you’ll pay over the life of the loan
- Total Interest Earned — how much goes to interest vs. principal
- Scenario Comparison — compare multiple rate and term options in one table to find the best fit for your budget
- Amortization Preview — view a month-by-month breakdown showing how each payment is split between principal and interest
- Loan-to-Value (LTV) Ratio — instantly see your LTV percentage with tier classification and warnings when you exceed typical maximum financing limits
Built-in Rate Presets: Not sure which rates to compare? Load common interest rate presets (5% to 10%) across different loan terms (5 to 30 years) with one click. Includes typical Pag-IBIG and bank rates.
This calculator follows the standard loan amortization formula used by banks and lending institutions. All amounts are displayed in Philippine Peso (₱). Use it as a starting point to plan your home purchase — for official loan approval and exact figures, consult your lender. For Pag-IBIG loans, visit the Pag-IBIG Fund website.