Loan Calculator Philippines | Free Online Loan Calculator Pag-IBIG BPI RCBC GCash Metrobank BDO 2025

Loan Calculator Philippines: Complete Guide 2025

A loan calculator Philippines is an essential online tool for anyone considering borrowing money in the Philippines. Whether you need funds for a car, home, mortgage, or personal expenses, understanding your loan payments and total interest costs is crucial. This free online loan calculator Philippines helps you calculate monthly payments, total interest, and view a complete amortization schedule with support for major Philippine banks and financial institutions including Pag-IBIG, BPI, RCBC, GCash, Metrobank, BDO, and BSP guidelines.

Free Online Loan Calculator Philippines

Our free online loan calculator Philippines provides comprehensive loan calculations without any cost or registration required. This calculator supports multiple loan types and lenders:

Car Loan Calculator Philippines: Calculate car loan payments from major banks
Home Loan Calculator Philippines: Plan your home purchase with accurate calculations
Mortgage Calculator Philippines: Calculate mortgage payments and amortization
Personal Loan Calculator Philippines: Plan personal loans with flexible terms

Whether you're applying for a loan from Pag-IBIG, BPI, RCBC, GCash, Metrobank, BDO, or other lenders, this online calculator gives you the information you need to plan your finances effectively.

Loan Calculator Philippines Pag-IBIG

Pag-IBIG (Home Development Mutual Fund) is one of the most popular housing loan providers in the Philippines. The loan calculator Philippines Pag-IBIG helps you:

Calculate Pag-IBIG housing loan monthly payments
Determine eligibility based on salary
View complete amortization schedules
Plan extra payments to save on interest
Understand Pag-IBIG loan terms and rates

Pag-IBIG offers competitive interest rates starting from 5.5% per annum for housing loans, making it an attractive option for Filipino homebuyers. Use the loan calculator Philippines Pag-IBIG to see how much you can borrow and what your monthly payments will be.

Loan Calculator Philippines BPI

Bank of the Philippine Islands (BPI) is one of the largest banks in the Philippines, offering various loan products. The loan calculator Philippines BPI helps you:

Calculate BPI car loan payments (typically 7.5% APR)
Calculate BPI home loan payments (typically 6.5% APR)
Calculate BPI personal loan payments (typically 12% APR)
Compare BPI rates with other lenders
Plan your BPI loan repayment strategy

BPI offers competitive rates and flexible terms for various loan types. Use the loan calculator Philippines BPI to understand your payment obligations before applying.

Loan Calculator Philippines RCBC

Rizal Commercial Banking Corporation (RCBC) provides various loan products with competitive rates. The loan calculator Philippines RCBC helps you:

Calculate RCBC car loan payments (typically 7.8% APR)
Calculate RCBC home loan payments (typically 6.8% APR)
Calculate RCBC personal loan payments (typically 12.5% APR)
Plan RCBC loan repayments

RCBC offers competitive rates and excellent customer service. Use the loan calculator Philippines RCBC to plan your loan effectively.

Loan Calculator Philippines GCash

GCash, operated by Globe Fintech Innovations Inc., offers personal loans through its digital platform. The loan calculator Philippines GCash helps you:

Calculate GCash personal loan payments (typically 15% APR)
Understand GCash loan terms
Plan your GCash loan repayment

GCash provides convenient online loan applications and quick approval. Use the loan calculator Philippines GCash to understand your payment obligations.

Loan Calculator Philippines Metrobank

Metropolitan Bank and Trust Company (Metrobank) is one of the largest banks in the Philippines. The loan calculator Philippines Metrobank helps you:

Calculate Metrobank car loan payments (typically 7.2% APR)
Calculate Metrobank home loan payments (typically 6.2% APR)
Calculate Metrobank personal loan payments (typically 11.5% APR)
Plan Metrobank loan repayments

Metrobank offers competitive rates and flexible terms. Use the loan calculator Philippines Metrobank to plan your loan effectively.

Loan Calculator Philippines BDO

Banco de Oro (BDO) is the largest bank in the Philippines by assets. The loan calculator Philippines BDO helps you:

Calculate BDO car loan payments (typically 7% APR)
Calculate BDO home loan payments (typically 6% APR)
Calculate BDO personal loan payments (typically 11% APR)
Plan BDO loan repayments

BDO offers competitive rates and extensive branch network. Use the loan calculator Philippines BDO to understand your payment obligations.

Loan Calculator Philippines Excel

One of the most useful features of this loan calculator Philippines is the ability to export your amortization schedule to Excel (CSV format). The loan calculator Philippines Excel export feature allows you to:

Download complete amortization schedules
Analyze loan payments in Excel or Google Sheets
Create custom reports and charts
Share loan information with financial advisors
Keep records for tax and financial planning

Simply click the "Export to Excel (CSV)" button after viewing your amortization schedule, and you'll get a downloadable CSV file that can be opened in Excel, Google Sheets, or any spreadsheet application.

Loan Calculator Philippines BSP

The Bangko Sentral ng Pilipinas (BSP) provides guidelines for responsible lending. The loan calculator Philippines BSP feature helps you:

Check loan eligibility based on BSP guidelines
Ensure monthly payments don't exceed 35% of monthly salary
Calculate minimum salary requirements
Understand BSP lending regulations

BSP guidelines recommend that monthly loan payments should not exceed 30-35% of your monthly income. The calculator automatically checks your eligibility based on these guidelines when you enter your monthly salary.

Mortgage Calculator Philippines

The mortgage calculator Philippines helps you calculate mortgage payments for home purchases. This calculator supports:

Pag-IBIG mortgage loans
Bank mortgage loans (BPI, RCBC, Metrobank, BDO)
Long-term mortgage calculations (up to 25 years)
Amortization schedules
Extra payment planning

Mortgage loans in the Philippines typically have terms of 15 to 25 years, with interest rates ranging from 5.5% (Pag-IBIG) to 7% (banks). Use the mortgage calculator Philippines to plan your home purchase effectively.

Mortgage Calculator Philippines BPI

BPI offers competitive mortgage rates for homebuyers. The mortgage calculator Philippines BPI helps you:

Calculate BPI mortgage payments
Compare BPI rates with other lenders
Plan your BPI mortgage repayment

BPI mortgage rates typically start from 6.5% per annum. Use the mortgage calculator Philippines BPI to understand your payment obligations.

Mortgage Calculator Philippines Pag-IBIG

Pag-IBIG offers the most competitive mortgage rates in the Philippines. The mortgage calculator Philippines Pag-IBIG helps you:

Calculate Pag-IBIG mortgage payments (starting from 5.5% APR)
Determine eligibility based on salary
Plan Pag-IBIG mortgage repayment

Pag-IBIG mortgage loans are available to members who have made at least 24 monthly contributions. Use the mortgage calculator Philippines Pag-IBIG to see if you qualify.

Mortgage Calculator Philippines Based on Salary

The mortgage calculator Philippines based on salary feature helps you determine how much you can borrow based on your income. This calculator:

Calculates maximum loan amount based on salary
Ensures payments don't exceed 35% of monthly income (BSP guidelines)
Shows eligibility status
Helps you plan your home purchase

When you enter your monthly salary, the calculator automatically checks if your loan payment is within BSP recommended limits and shows your eligibility status. This helps you make informed decisions about how much you can afford to borrow.

Loan Calculator Philippines Car

Car loans are one of the most common loan types in the Philippines. The loan calculator Philippines car feature helps you:

Calculate car loan payments from major banks
Compare rates from different lenders
Plan car loan repayment (typically 1-5 years)
Understand total interest costs

Car loan rates in the Philippines typically range from 7% to 9% per annum, with terms of 1 to 5 years. Use the loan calculator Philippines car to plan your vehicle purchase.

Loan Calculator Philippines Home

Home loans help Filipinos achieve their dream of homeownership. The loan calculator Philippines home feature helps you:

Calculate home loan payments
Plan long-term home loan repayment (15-25 years)
Compare Pag-IBIG and bank rates
Determine eligibility based on salary

Home loan rates in the Philippines range from 5.5% (Pag-IBIG) to 7% (banks), with terms up to 25 years. Use the loan calculator Philippines home to plan your home purchase effectively.

How to Use the Loan Calculator Philippines

Using this loan calculator Philippines is straightforward:

Select Loan Type: Choose car loan, home loan, mortgage loan, or personal loan
Select Lender: Choose Pag-IBIG, BPI, RCBC, GCash, Metrobank, BDO, BSP, or other lender
Enter Loan Amount: Input the amount you want to borrow
Set Interest Rate: Rate is auto-filled based on lender, but you can adjust it
Choose Loan Term: Select repayment period
Enter Monthly Salary: For BSP eligibility check
Select Start Date: Choose when you want the loan to start
View Results: See monthly payment, total interest, and eligibility status
Add Extra Payments: Optionally add extra monthly or lump sum payments
View Amortization Schedule: See the complete payment schedule
Export to Excel: Download the schedule for offline reference

Benefits of Using a Loan Calculator Philippines

Using a loan calculator Philippines offers numerous benefits:

Accurate Planning: Get precise estimates of monthly payments and total interest
Comparison Shopping: Compare different lenders and loan offers
Budget Planning: Plan your finances with detailed payment schedules
Extra Payment Planning: Calculate savings from making extra payments
Eligibility Check: Check if you qualify based on BSP guidelines
Transparency: Understand the complete cost before applying
Time-saving: Quick calculations without visiting lenders
Excel Export: Download schedules for offline analysis

Loan Rates in the Philippines 2025

Loan interest rates in the Philippines vary by lender and loan type:

Car Loans: 7% to 9% per annum (1-5 years)
Home Loans: 5.5% (Pag-IBIG) to 7% (banks) per annum (15-25 years)
Mortgage Loans: 5.5% (Pag-IBIG) to 7% (banks) per annum (15-25 years)
Personal Loans: 11% to 15% per annum (6 months to 5 years)

Your actual rate depends on factors such as credit score, income, loan amount, and lender policies. Use the calculator to see how different interest rates affect your monthly payment and total interest cost.

Tips for Loan Borrowers in the Philippines

When applying for a loan in the Philippines, consider these tips:

Use the Calculator: Always calculate your payments before applying
Compare Lenders: Shop around for the best rates and terms
Check Eligibility: Use BSP guidelines to check if you qualify
Consider Extra Payments: Plan to make extra payments to save on interest
Improve Credit Score: Better credit scores get better rates
Read Terms Carefully: Understand all fees, charges, and penalties
Plan for Repayment: Ensure monthly payments fit your budget
Borrow Only What You Need: Don't borrow more than necessary
Export to Excel: Keep records for financial planning

Conclusion

A loan calculator Philippines is an essential tool for anyone considering borrowing money in the Philippines. Whether you're looking for a car loan calculator Philippines, home loan calculator Philippines, mortgage calculator Philippines, or personal loan calculator, this comprehensive online tool provides everything you need to make informed financial decisions. With support for Pag-IBIG, BPI, RCBC, GCash, Metrobank, BDO, and BSP guidelines, plus Excel export functionality, this calculator helps you plan your loan effectively, check eligibility, save money with extra payments, and understand the complete cost of borrowing. Start using the loan calculator Philippines today to plan your loan and take control of your finances.