Philippine Investment Calculator
Plan your investments in PSE stocks, mutual funds, UITFs, bonds, and treasury bills. See how your money grows with compound interest and build wealth for your Filipino future.
How to Plan Your Investments
Choose Investment Type
Select PSE Stocks (8-12% returns), Mutual Funds (10-15%), Bonds (4-6%), or balanced portfolios
Set Investment Details
Enter initial amount (โฑ10K-1M+), monthly contributions (โฑ1K-50K), and investment timeline
View Growth Projections
See year-by-year growth, compound interest effects, and total portfolio value with charts
Compare & Optimize
Try different contributions, timeframes, and investment types to maximize returns
Philippine Investment Calculator
Plan your investments in Philippine stocks (PSE), mutual funds, UITFs, bonds, and treasury bills. Get portfolio recommendations and realistic growth projections based on Philippine market data.
Investment Calculator
๐ก Investment Tips
- โข Diversification reduces risk while maintaining returns
- โข Regular investing smooths out market volatility
- โข Time in the market beats timing the market
- โข Consider your age and goals when choosing risk level
Ready to Invest
Enter your investment details on the left to see growth projections and portfolio recommendations.
Philippine Investment Options
๐PSE Stocks
๐๏ธMutual Funds
๐ฆGovernment Bonds
๐Diversified Portfolio
Smart Investment Strategies
Getting Started
- Start with an emergency fund (3-6 months expenses)
- Use peso cost averaging for regular investments
- Diversify across different asset classes
- Understand your risk tolerance and time horizon
Long-term Success
- Stay invested through market cycles
- Rebalance your portfolio annually
- Consider tax-efficient vehicles like PERA
- Review and adjust goals periodically
Pro Tips for Philippine Investing
โฐStart Early, Win Big
โฑ5K/month starting at age 25 = โฑ8-12M by age 60. Starting at 35? Only โฑ3-5M. Every 10 years delayed costs โฑ5-7M!
๐PSEi Index Funds First
For beginners: Start with PSEi index funds (8-12% returns). Diversified across top 30 companies, low fees. Beat 80% of active traders.
๐ฐCost Averaging Beats Timing
Invest same amount monthly regardless of market. Buy more when prices drop, fewer when high. Beats trying to time the market.
๐ฏEmergency Fund Before Stocks
Build 6 months expenses (โฑ180-300K) in savings first. Stocks can drop 20-40% short-term - don't invest money you'll need soon.
๐ฆTax-Free PERA Advantage
PERA: up to โฑ100K/year tax-deductible. Save 25-32% on taxes immediately! Money grows tax-free until age 55.
๐Rebalance Annually
Target: 60% stocks, 30% bonds, 10% cash. If stocks grew to 75%, sell some, buy bonds. Forces "sell high, buy low" discipline.
Who Uses Philippine Investment Calculator?
Young Professionals
See how โฑ5-10K monthly grows to โฑ8-15M in 30-40 years
- โโฑ5K/month at 25 = โฑ10M by 60 (10% returns)
- โStart with โฑ50K + โฑ3K monthly = โฑ5M in 25 years
- โCompound interest turns small amounts into millions
OFWs & High Earners
Invest remittances in Philippine markets, plan for return home
- โโฑ20K/month for 20 years = โฑ15-20M
- โInvest 13th month pay annually = โฑ6M in 20 years
- โBuild passive income for eventual return
Parents & Goal Savers
Calculate monthly target for kids' college or house down payment
- โโฑ8K/month for 18 years = โฑ3M college fund
- โโฑ10K/month for 10 years = โฑ2M down payment
- โReverse calculate your monthly investment needed
Frequently Asked Questions
Q: Is this investment advice?
A: NO. This is NOT investment advice. This is a calculator for informational purposes only. All projections do NOT account for market risks, inflation, taxes, or fees. Past performance does NOT guarantee future results. Consult a licensed financial advisor before making any investment decisions.
Q: What's the minimum to start investing in Philippine stocks?
A: Direct PSE stocks: โฑ5,000-8,000 minimum. Index funds/ETFs: โฑ5,000 first investment. Mutual funds/UITFs: โฑ5,000-10,000 initial, โฑ1,000 minimum top-ups.
Q: What's a realistic return expectation?
A: PSEi Index: 8-12% annually long-term. Equity funds: 10-15%. Balanced funds: 6-10%. Bonds: 4-6%. Don't expect 20%+ consistently.
Q: Should I invest in stocks or index funds?
A: Index funds for most people (80%+). Individual stocks only if โฑ500K+ portfolio, enjoy research, and can handle 20-40% swings.
Q: What's the tax on investment gains?
A: PSE stocks: No capital gains tax! Only 0.6% transaction tax when selling. Dividends: 10% withheld. This makes Philippine stocks very tax-efficient.