Home Loan Repayment Calculator — Philippines
Work out your repayments, what the loan costs in total, and how much an extra repayment saves you. Figures below assume 7% over 30 years. Free, and no sign-up.
Common Philippines loan amounts
| Loan amount | Monthly repayment | Total interest |
|---|---|---|
| ₱1,000,000 | ₱6,653 | ₱1,395,089 |
| ₱2,000,000 | ₱13,306 | ₱2,790,178 |
| ₱3,000,000 | ₱19,959 | ₱4,185,267 |
| ₱5,000,000 | ₱33,265 | ₱6,975,445 |
| ₱8,000,000 | ₱53,224 | ₱11,160,712 |
| ₱12,000,000 | ₱79,836 | ₱16,741,068 |
Frequently asked questions
How are Philippines home loan repayments calculated?
Repayments use the standard amortisation formula: the balance accrues interest at the periodic rate, and a level repayment covers that interest plus a slice of principal. Early payments are mostly interest; later ones are mostly principal.
Does paying extra actually help?
Yes, substantially. Extra repayments come straight off the principal, so they reduce every future interest charge. On a long loan even a small regular amount can cut years off the term.
Is this calculator free?
Yes. It is free, requires no account, and nothing you enter is saved or sent anywhere — the calculation runs entirely in your browser.
Work out your own numbers
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Estimate only. Assumes a fixed rate and no fees; lenders accrue interest daily and may charge account or discharge fees. Not financial advice.