Philippine Finance Tools
Calculate loans, plan investments, prepare for retirement
Specialized financial planning tools designed for Filipinos. Accurate SSS/GSIS data, Pag-IBIG rates, PSE investments, and retirement planning.
Philippine-Specific Financial Planning
Local Loan Calculations
Accurate Pag-IBIG housing loans, bank mortgages, and personal loans with current Philippine rates.
Government Benefits
Plan with SSS, GSIS, and PhilHealth in mind for your financial future.
OFW-Friendly Planning
Special considerations for overseas workers, including remittance and dual-country retirement.
Want more than calculators?
Track expenses, savings goals, debts + AI advice
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
How to Use Philippine Finance Tools
Choose Your Tool
Select Loan, Investment, or Retirement Calculator based on your planning needs.
Enter Filipino Data
Input amounts in PHP, select Philippine interest rates, and choose local bank options.
View Results
See detailed breakdowns with amortization, projections, or retirement income estimates.
Plan & Compare
Export results, compare scenarios, and make informed decisions for your Filipino future.
Choose Your Calculator
Free financial calculators designed for the Philippine market with accurate local data.
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.
Pro Tips for Philippine Financial Planning
๐ Maximize Pag-IBIG Benefits
Pag-IBIG offers 6-7% vs bank's 8-10%. Save โฑ1-2M in interest over the loan life on a โฑ6M loan.
๐ผUnderstand SSS vs GSIS
SSS: โฑ10,000-20,000/month. GSIS: โฑ30,000-50,000/month. Project your specific benefits.
๐Start PSE Investing Early
PSE returns 8-12% annually. โฑ5,000/month at age 25 could grow to โฑ8-12M by age 60.
๐OFW Financial Planning
Maintain SSS voluntary contributions (โฑ2,400-9,900/month) to qualify for retirement benefits.
๐ฐCompare Interest Rates
A 1% rate difference on โฑ3M loan means โฑ300,000+ savings over 20 years. Always shop around.
๐ฏBuild Emergency Fund First
Save 6 months of expenses (โฑ180,000-300,000) before investing. Start with โฑ10,000/month.
Who Benefits from Philippine Finance Tools?
Young Professionals & First-Time Buyers
Plan your first home purchase with Pag-IBIG, start investing in PSE stocks, understand SSS.
- Calculate if โฑ3M condo is affordable with โฑ40K salary
- See how โฑ5,000/month grows to โฑ8M in 30 years
- Project SSS retirement benefits starting from age 25
Overseas Filipino Workers (OFWs)
Manage Philippine investments while abroad, maintain SSS voluntary contributions.
- Calculate optimal SSS voluntary contribution (โฑ2,400-9,900)
- Plan condo purchase while earning in USD/SAR/AED
- Project retirement income combining savings + SSS pension
Mid-Career & Pre-Retirees
Accelerate retirement savings, refinance existing loans, ensure comfortable retirement.
- Refinance โฑ2M mortgage from 9% to 7%, save โฑ400K
- Calculate if โฑ20,000/month for 15 years reaches โฑ5M goal
- Project combined SSS/GSIS + private pension at age 60
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Explore Government Assistance Programs
Browse our Tulong Module for 50+ government assistance programs. SSS, Pag-IBIG, DSWD, PhilHealth, and more - find programs that can help with medical, education, housing, and livelihood needs.
Free to browse โข 50+ programs โข SSS, Pag-IBIG, DSWD, and more
โ Frequently Asked Questions
Common questions about Philippine financial planning
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!
Modest: โฑ30,000/month. Comfortable: โฑ50,000/month. Luxurious: โฑ100,000/month. SSS provides โฑ10,000-20,000/month, GSIS โฑ30,000-50,000/month. Use our Retirement Calculator to project your benefits + savings.
Start with mutual funds or UITFs (minimum โฑ5,000-10,000) for diversification. Once you have โฑ100,000+ and understand the market, consider individual PSE stocks. Historical returns: PSEi 8-12% annually, equity funds 10-15%, blue-chips 12-20%.
Yes! OFWs can apply 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.
Your contributions remain valid forever, but you need 120 months (10 years) for retirement benefits. If you stop working, continue as voluntary member (โฑ2,400-9,900/month). Previous contributions count toward the 120-month requirement.
Housing loans (2025): 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%. Pag-IBIG remains cheapest at 6-7% for housing. Always compare 3+ banks.
Monthly amortization shouldn't exceed 30-35% of income. For โฑ5M with 20% down (โฑ1M), you need โฑ4M loan. At 7% for 20 years = โฑ31,000/month, requiring โฑ90,000+ income. Add โฑ10,000-15,000/month for taxes, dues, utilities.
Philippine Financial Planning Guide
Loans & Credit
Philippine lending rates, Pag-IBIG housing loans, bank mortgage options.
Investments
PSE stocks, UITFs, mutual funds, and government securities.
Retirement
SSS, GSIS, and private pension plans for a comfortable future.