Investment Calculator Guide 2025: Stocks, Crypto, Real Estate ROI for Filipinos
Want to know how much your ₱100,000 investment can grow in 10 years? Or calculate if that ₱3 million condo is worth buying for rental income? Whether you're a beginner investor or planning your retirement, an investment calculator is your most powerful financial planning tool.
This guide will show you exactly how to use investment calculators for Philippine Stock Exchange (PSE) stocks, cryptocurrency, real estate, bonds, and mutual funds. Plus, we'll give you real examples with actual peso amounts so you can start planning your financial future today.
Philippine Stock Exchange (PSE) Investment Calculator
Why Invest in PSE Stocks?
- 📈 Historical returns: 7-10% annually (long-term average)
- 🏢 Blue-chip stocks: Jollibee, Ayala, SM, BDO, PLDT
- 💰 Dividends: Extra income on top of capital gains
- 📱 Easy access: COL Financial, BPI Trade, First Metro Sec
- 🇵🇭 Support PH economy: Invest in Filipino companies
Real Example: ₱100,000 PSE Stock Investment
Scenario: Conservative Growth (8% annual return)
| Year | Portfolio Value | Total Gain | ROI % |
|---|---|---|---|
| Year 0 | ₱100,000 | ₱0 | 0% |
| Year 1 | ₱108,000 | +₱8,000 | 8% |
| Year 3 | ₱125,971 | +₱25,971 | 26% |
| Year 5 | ₱146,933 | +₱46,933 | 47% |
| Year 10 | ₱215,892 | +₱115,892 | 116% |
| Year 20 | ₱466,096 | +₱366,096 | 366% |
Key Insight: With 8% annual returns, your ₱100K becomes ₱466K in 20 years. That's the power of compound interest! If you add ₱5,000 monthly, you'd have ₱3.1 million after 20 years.
How to Calculate PSE Stock Returns
Step 1: Choose Your Investment Amount
Example: ₱50,000 (minimum for diversified portfolio)
Step 2: Estimate Annual Return
- • Conservative: 6-8% (blue-chip stocks, index funds)
- • Moderate: 8-12% (diversified portfolio)
- • Aggressive: 12-20% (growth stocks, higher risk)
Step 3: Set Time Horizon
Stock investing works best for 5+ years. Longer = more compounding.
Step 4: Add Regular Contributions (Optional)
Monthly top-ups accelerate growth. Example: ₱50K initial + ₱5K/month = faster wealth building.
Cryptocurrency Investment Calculator
⚠️ High Risk, High Reward
Cryptocurrency is extremely volatile. Bitcoin can go from ₱1.5M to ₱3M (or ₱500K) in months. Only invest what you can afford to lose. Recommended allocation: 5-10% of portfolio maximum.
Real Example: ₱50,000 Bitcoin Investment
Scenario: Bitcoin Historical Performance
Best Case (2020-2021 bull run):
₱50,000 → ₱350,000 in 18 months (+600% gain)
Bitcoin: $10K → $69K peak
Worst Case (2022 bear market):
₱50,000 → ₱18,000 in 10 months (-64% loss)
Bitcoin: $69K → $15.5K crash
Long-Term Holder (2015-2025):
₱50,000 → ₱1,800,000+ in 10 years (+3,500% gain)
Bitcoin: $250 → $50K+ average
Reality Check: Past performance doesn't guarantee future returns. Crypto can swing ±30% in a single week. Only invest if you have strong nerves and don't need the money for 5+ years.
Crypto Investment Strategy for Filipinos
✓ Dollar-Cost Averaging (DCA)
Instead of ₱50K lump sum, invest ₱5K monthly for 10 months. This smooths out volatility.
Lower risk, more consistent returns
✓ Diversify Across Coins
60% Bitcoin, 30% Ethereum, 10% other altcoins. Don't put all eggs in one basket.
Reduces single-coin risk
✓ Use Reputable Exchanges
Philippines: Coins.ph, PDAX, Binance. Avoid unknown exchanges (scam risk).
Security first!
✗ Don't Chase Hype
Avoid meme coins, "pump and dump" schemes, too-good-to-be-true APYs (100%+).
If it sounds too good, it's a scam
Real Estate Investment Calculator (Philippines)
Why Real Estate is Popular in PH
- 🏠 Tangible asset: You can see and touch your investment
- 💵 Rental income: ₱15K-₱50K monthly passive income
- 📈 Appreciation: 5-7% annually in Metro Manila
- 🏢 Business use: Office, Airbnb, boarding house
- 🛡️ Inflation hedge: Property values rise with inflation
Real Example: ₱3 Million Condo Investment
Scenario: BGC/Makati Studio Unit (25 sqm)
Plus: Property Appreciation
| Year | Property Value | Total Rental Income | Combined Value |
|---|---|---|---|
| Year 0 | ₱3,000,000 | ₱0 | ₱3,000,000 |
| Year 5 | ₱3,825,000 | ₱1,200,000 | ₱5,025,000 |
| Year 10 | ₱4,883,000 | ₱2,400,000 | ₱7,283,000 |
Total ROI after 10 years: ₱7.28M - ₱3M = ₱4.28M profit (143% return). That's rental income + property appreciation combined!
Real Estate Calculator Tips
Location Matters
- • BGC/Makati: 5-7% appreciation
- • Ortigas/QC: 4-6% appreciation
- • Provincial: 2-4% appreciation
Factor in All Costs
- • Condo dues (₱80-₱150/sqm)
- • Property tax (0.5-1% annually)
- • Maintenance, repairs (1-2%)
- • Vacancy periods (10-15%)
The 60/30/10 Diversification Rule for Filipinos
Don't put all your money in one investment. Here's a proven allocation strategy for Filipino investors:
60% - Core Holdings (Low-Medium Risk)
PSE Stocks/Index Funds
- • PSEi Index Fund (7-10% returns)
- • Blue-chip stocks (Jollibee, Ayala, SM)
- • Equity Mutual Funds
Government Bonds
- • Retail Treasury Bonds (RTB)
- • 3-5% annual returns
- • Very safe, government-backed
30% - Growth Holdings (Medium Risk)
Real Estate
- • Rental properties (condos, houses)
- • REITs (Real Estate Investment Trusts)
- • 5-10% annual returns
Business Investments
- • Small business ownership
- • Franchise opportunities
- • 10-20% potential returns
10% - Speculative Holdings (High Risk)
Cryptocurrency
- • Bitcoin, Ethereum
- • Highly volatile
- • -50% to +200% potential
Growth Stocks
- • Tech stocks, startups
- • Penny stocks (very risky)
- • High risk, high reward
Example Portfolio: ₱500,000 to Invest
Ready to Calculate Your Investment Returns?
Use our free investment calculator to see how your money can grow over time. Supports stocks, crypto, real estate, and more!
Calculate Returns Now →Start Investing Today: Your Future Self Will Thank You
The best time to start investing was 10 years ago. The second-best time is now. Even ₱1,000 per month can grow to ₱627,000 in 20 years (at 8% returns). That's the power of compound interest.
Use investment calculators to plan realistically. Start small, diversify across asset classes, and stay consistent. Your financial freedom depends on decisions you make today.
Invest wisely, stay patient, and watch your wealth grow! 📈💰