Philippine Finance Tools
Specialized financial planning tools designed for Filipinos. Calculate loans, plan investments, and prepare for retirement with tools that understand the Philippine financial landscape.
Philippine-Specific Financial Planning
Navigate the unique Philippine financial landscape with tools designed for Filipino families, OFWs, and professionals. Make informed decisions with accurate local calculations.
Local Loan Calculations
Accurate calculations for Pag-IBIG housing loans, bank mortgages, and personal loans with current Philippine rates
Government Benefits
Plan with SSS, GSIS, and PhilHealth in mind, understanding how government benefits affect your financial future
OFW-Friendly Planning
Special considerations for overseas Filipino workers, including remittance planning and dual-country retirement
Why Choose Our Philippine Finance Tools?
Local Expertise
Philippine tax laws, rates, and regulations
PHP Currency
All calculations in Philippine Peso
Local Banks
BPI, BDO, Metrobank, and other rates
PSE Investments
Philippine Stock Exchange calculations
Pag-IBIG Ready
Housing loan and savings calculations
SSS/GSIS
Government retirement projections
OFW Support
Overseas worker considerations
Instant Estimates
Quick calculations for planning purposes
How to Use Philippine Finance Tools
Choose Your Tool
Select from Loan Calculator (Pag-IBIG, bank mortgages), Investment Calculator (PSE stocks, mutual funds), or Retirement Calculator (SSS/GSIS)
Enter Filipino Data
Input amounts in PHP, select current Philippine interest rates, and use local bank options (BPI, BDO, Metrobank) for accurate calculations
View Results
See detailed breakdowns including amortization schedules, investment projections, or retirement income estimates with government benefits included
Plan & Compare
Export results, compare different scenarios (longer loan terms, higher contributions), and make informed financial decisions for your Filipino future
Pro Tips for Philippine Financial Planning
๐ Maximize Pag-IBIG Benefits
Pag-IBIG offers the lowest housing loan rates (6-7% vs bank's 8-10%). Use our Loan Calculator to compare Pag-IBIG vs bank mortgages. With โฑ6M limit and 30-year terms, you could save โฑ1-2M in interest over the loan life.
๐ผUnderstand SSS vs GSIS
Private sector workers (SSS) get different retirement benefits than government employees (GSIS). SSS offers โฑ10,000-20,000/month while GSIS can reach โฑ30,000-50,000/month. Use Retirement Calculator to project your specific benefits based on your salary history.
๐Start PSE Investing Early
Philippine Stock Exchange historically returns 8-12% annually. Starting with โฑ5,000/month at age 25 could grow to โฑ8-12M by age 60. Use Investment Calculator to see how compound interest works with different monthly contributions and timeframes.
๐OFW Financial Planning
Overseas Filipino Workers should maintain SSS voluntary contributions (โฑ2,400-9,900/month) to qualify for retirement benefits. Even from abroad, you can reach 120 qualifying months for lifetime pension. Track your projected benefits with our Retirement Calculator.
๐ฐCompare Interest Rates
Philippine banks vary widely: BDO (7.5-9%), BPI (7-8.5%), Metrobank (8-10%), Security Bank (7.5-9.5%). A 1% rate difference on a โฑ3M loan means โฑ300,000+ savings over 20 years. Always shop around and use our Loan Calculator for comparisons.
๐ฏBuild Emergency Fund First
Before investing or paying off loans faster, save 6 months of expenses (โฑ180,000-300,000 for most Filipino families). This protects you from job loss or emergencies without withdrawing investments at a loss. Start with โฑ10,000/month and reach it in 18-30 months.
Who Benefits from Philippine Finance Tools?
Young Professionals & First-Time Buyers
Plan your first home purchase with Pag-IBIG, start investing in PSE stocks, and understand how SSS contributions build your retirement fund.
Overseas Filipino Workers (OFWs)
Manage Philippine investments while abroad, maintain SSS voluntary contributions, and plan your eventual return to the Philippines with solid finances.
Mid-Career & Pre-Retirees
Accelerate retirement savings, refinance existing loans for better rates, and ensure you'll have โฑ30,000-50,000/month for comfortable retirement in the Philippines.
Frequently Asked Questions
Q: What's the difference between Pag-IBIG and bank housing loans?
A: Pag-IBIG offers significantly lower interest rates (6-7% vs 8-10% for banks) but has stricter requirements and a โฑ6M maximum loan. Banks offer higher limits (up to โฑ15M+) and faster approval, but cost more. For a โฑ3M loan over 20 years, Pag-IBIG at 6.5% costs โฑ4.8M total vs bank at 9% costs โฑ6.5M - that's โฑ1.7M savings with Pag-IBIG!
Q: How much do I need for comfortable retirement in the Philippines?
A: For modest lifestyle: โฑ30,000/month (โฑ360K/year), comfortable: โฑ50,000/month (โฑ600K/year), luxurious: โฑ100,000/month (โฑ1.2M/year). SSS provides โฑ10,000-20,000/month, GSIS โฑ30,000-50,000/month. Use our Retirement Calculator to see if your government benefits + savings will meet your target. Most need โฑ3-5M invested to supplement SSS pension comfortably.
Q: Should I invest in PSE stocks or mutual funds as a Filipino beginner?
A: Start with mutual funds or UITFs (minimum โฑ5,000-10,000) for diversification and professional management. Once you have โฑ100,000+ and understand the market, consider individual PSE stocks. Historical returns: PSEi index 8-12% annually, equity funds 10-15%, blue-chip stocks 12-20%. Use our Investment Calculator to compare scenarios: โฑ5,000/month in PSEi index fund could grow to โฑ8-12M in 30 years.
Q: Can OFWs qualify for Pag-IBIG housing loans?
A: Yes! OFWs can apply for Pag-IBIG housing loans with 24+ monthly contributions. Requirements: valid employment contract abroad, proof of income, and monthly salary of โฑ5,000+. Many OFWs secure โฑ2-4M loans for properties back home. Use our Loan Calculator with your salary in PHP (after currency conversion) to see your maximum loan and monthly payments.
Q: What happens to my SSS if I stop working?
A: Your SSS contributions remain valid forever, but you need 120 qualifying months (10 years) for retirement benefits. If you stop working, you can continue as voluntary member (โฑ2,400-9,900/month based on chosen salary credit). Your previous contributions aren't lost - they count toward the 120-month requirement. Use our Retirement Calculator to project benefits based on your current contribution months.
Q: Which Philippine banks offer the best interest rates?
A: As of 2025: Housing loans: BPI (7-8.5%), BDO (7.5-9%), Metrobank (8-10%), Security Bank (7.5-9.5%), RCBC (8-9.5%). Personal loans: 12-24% depending on creditworthiness. Pag-IBIG remains cheapest at 6-7% for housing. Rates vary by loan amount, term, and your credit score. Always get quotes from 3+ banks and use our Loan Calculator to compare total costs, not just monthly payments.
Q: How do I calculate if I can afford a โฑ5M property?
A: Rule of thumb: monthly amortization shouldn't exceed 30-35% of gross income. For โฑ5M property with 20% down (โฑ1M), you need โฑ4M loan. At 7% for 20 years, that's โฑ31,000/month, requiring โฑ90,000+ monthly income. Use our Loan Calculator for exact figures. Don't forget additional costs: โฑ150K-200K transfer tax & registration, โฑ3,000-5,000/month association dues, โฑ2,000-4,000/month utilities. Budget โฑ40,000-45,000/month total for โฑ5M property.
Loan Calculator
Calculate payments for housing loans (Pag-IBIG, bank mortgages), auto loans, and personal loans with amortization schedules
Investment Calculator
Plan your investments with stock market projections, mutual funds, bonds, and balanced portfolio recommendations
Retirement Calculator
Plan your retirement with SSS/GSIS projections and lifestyle-based planning for Filipinos
Philippine Financial Planning Guide
Loans & Credit
Understand Philippine lending rates, Pag-IBIG housing loans, and bank mortgage options.
Investments
Learn about PSE stocks, UITFs, mutual funds, and government securities in the Philippines.
Retirement
Plan for retirement with SSS, GSIS, and private pension plans for a comfortable future.