What is a home loan amortization calculator?

It estimates your regular monthly payment and how each payment splits between interest and principal over the loan term, using the amount financed, interest rate, and length of the loan.

Does this Pag-IBIG housing loan calculator?

Kwentaloan is an independent tool, not affiliated with Pag-IBIG Fund. You can enter your own rate and term to model a housing loan scenario, but official Pag-IBIG schedules may differ.

What is a lump sum payment on a home loan?

A lump sum is a one-time extra payment applied to your loan balance, in addition to your scheduled amortization. If your lender allows it, it may reduce total interest and shorten the loan term.

Are property taxes and insurance included?

No. This calculator focuses on principal and interest only. Taxes, mortgage insurance, and bank fees are excluded unless you add them separately.

Philippine home loan calculator

Use this house loan calculator Philippines homebuyers rely on to estimate monthly principal-and-interest payments, total interest, down payment impact, optional lump sum prepayments, and a printable-style amortization schedule—all in Philippine pesos (₱). Educational estimate only; not a loan offer or financial advice.

Sample data: Change the fields to match your scenario—results update as you type. Not a bank offer or recommended rate.

Loan details

Fixed-rate estimate. Insurance, taxes, and bank fees are not included.

Property price (₱)

Down payment (₱)

Term (years)

Annual interest rate (%)

Start month

Start year

Lump sum (optional)

Add a one-time lump sum payment if you plan to pay extra on a specific month. Leave blank if none—none are included by default.

No lump sum added yet.

Affordability (optional)

Rough check only—banks use their own rules.

Gross monthly income (₱)

Other monthly debt (₱)

Housing share of gross income (%)

Estimated monthly payment (principal & interest)

₱23,258.97

Loan amount: ₱3,000,000
Term: 20 years
Total interest (estimate): ₱2,582,152

Mortgage summary

Principal and interest only. Payments are modeled at month-end.

Monthly payment (P&I): ₱23,258.97
Number of payments: 241
Total interest: ₱2,582,152.34
Total paid: ₱5,582,152.34
Property price: ₱3,000,000
Down payment: ₱0
Loan amount: ₱3,000,000
Estimated payoff: Jan 2046

Affordability estimate

Based on the optional income fields you entered—not a bank approval.

Estimated affordable payment: ₱14,000.00
Illustrative loan at this rate & term: ₱1,805,755

Principal vs interest

Over the full modeled term, about 46.26% of principal-plus-interest goes to interest.

Principal and interest totals
Principal	₱3,000,000.00
Interest	₱2,582,152.34

Amortization schedule

Monthly amortization schedule
#	Date	Payment	Interest	Principal	Lump sum	Balance
1	Jan 2026	₱23,258.97	₱17,500.00	₱5,758.97	—	₱2,994,241.03
2	Feb 2026	₱23,258.97	₱17,466.41	₱5,792.56	—	₱2,988,448.47
3	Mar 2026	₱23,258.97	₱17,432.62	₱5,826.35	—	₱2,982,622.12
4	Apr 2026	₱23,258.97	₱17,398.63	₱5,860.34	—	₱2,976,761.78
5	May 2026	₱23,258.97	₱17,364.44	₱5,894.52	—	₱2,970,867.25
6	Jun 2026	₱23,258.97	₱17,330.06	₱5,928.91	—	₱2,964,938.35
7	Jul 2026	₱23,258.97	₱17,295.47	₱5,963.49	—	₱2,958,974.85
8	Aug 2026	₱23,258.97	₱17,260.69	₱5,998.28	—	₱2,952,976.57
9	Sep 2026	₱23,258.97	₱17,225.70	₱6,033.27	—	₱2,946,943.30
10	Oct 2026	₱23,258.97	₱17,190.50	₱6,068.47	—	₱2,940,874.83
11	Nov 2026	₱23,258.97	₱17,155.10	₱6,103.86	—	₱2,934,770.97
12	Dec 2026	₱23,258.97	₱17,119.50	₱6,139.47	—	₱2,928,631.50
13	Jan 2027	₱23,258.97	₱17,083.68	₱6,175.28	—	₱2,922,456.21
14	Feb 2027	₱23,258.97	₱17,047.66	₱6,211.31	—	₱2,916,244.91
15	Mar 2027	₱23,258.97	₱17,011.43	₱6,247.54	—	₱2,909,997.37
16	Apr 2027	₱23,258.97	₱16,974.98	₱6,283.98	—	₱2,903,713.38
17	May 2027	₱23,258.97	₱16,938.33	₱6,320.64	—	₱2,897,392.74
18	Jun 2027	₱23,258.97	₱16,901.46	₱6,357.51	—	₱2,891,035.23
19	Jul 2027	₱23,258.97	₱16,864.37	₱6,394.60	—	₱2,884,640.64
20	Aug 2027	₱23,258.97	₱16,827.07	₱6,431.90	—	₱2,878,208.74
21	Sep 2027	₱23,258.97	₱16,789.55	₱6,469.42	—	₱2,871,739.32
22	Oct 2027	₱23,258.97	₱16,751.81	₱6,507.16	—	₱2,865,232.17
23	Nov 2027	₱23,258.97	₱16,713.85	₱6,545.11	—	₱2,858,687.05
24	Dec 2027	₱23,258.97	₱16,675.67	₱6,583.29	—	₱2,852,103.76
25	Jan 2028	₱23,258.97	₱16,637.27	₱6,621.70	—	₱2,845,482.06
26	Feb 2028	₱23,258.97	₱16,598.65	₱6,660.32	—	₱2,838,821.74
27	Mar 2028	₱23,258.97	₱16,559.79	₱6,699.17	—	₱2,832,122.57
28	Apr 2028	₱23,258.97	₱16,520.71	₱6,738.25	—	₱2,825,384.31
29	May 2028	₱23,258.97	₱16,481.41	₱6,777.56	—	₱2,818,606.75
30	Jun 2028	₱23,258.97	₱16,441.87	₱6,817.10	—	₱2,811,789.66
31	Jul 2028	₱23,258.97	₱16,402.11	₱6,856.86	—	₱2,804,932.80
32	Aug 2028	₱23,258.97	₱16,362.11	₱6,896.86	—	₱2,798,035.94
33	Sep 2028	₱23,258.97	₱16,321.88	₱6,937.09	—	₱2,791,098.84
34	Oct 2028	₱23,258.97	₱16,281.41	₱6,977.56	—	₱2,784,121.29
35	Nov 2028	₱23,258.97	₱16,240.71	₱7,018.26	—	₱2,777,103.03
36	Dec 2028	₱23,258.97	₱16,199.77	₱7,059.20	—	₱2,770,043.83
37	Jan 2029	₱23,258.97	₱16,158.59	₱7,100.38	—	₱2,762,943.45
38	Feb 2029	₱23,258.97	₱16,117.17	₱7,141.80	—	₱2,755,801.65
39	Mar 2029	₱23,258.97	₱16,075.51	₱7,183.46	—	₱2,748,618.19
40	Apr 2029	₱23,258.97	₱16,033.61	₱7,225.36	—	₱2,741,392.83
41	May 2029	₱23,258.97	₱15,991.46	₱7,267.51	—	₱2,734,125.32
42	Jun 2029	₱23,258.97	₱15,949.06	₱7,309.90	—	₱2,726,815.41
43	Jul 2029	₱23,258.97	₱15,906.42	₱7,352.54	—	₱2,719,462.87
44	Aug 2029	₱23,258.97	₱15,863.53	₱7,395.43	—	₱2,712,067.43
45	Sep 2029	₱23,258.97	₱15,820.39	₱7,438.57	—	₱2,704,628.86
46	Oct 2029	₱23,258.97	₱15,777.00	₱7,481.97	—	₱2,697,146.89
47	Nov 2029	₱23,258.97	₱15,733.36	₱7,525.61	—	₱2,689,621.28
48	Dec 2029	₱23,258.97	₱15,689.46	₱7,569.51	—	₱2,682,051.77
49	Jan 2030	₱23,258.97	₱15,645.30	₱7,613.67	—	₱2,674,438.11
50	Feb 2030	₱23,258.97	₱15,600.89	₱7,658.08	—	₱2,666,780.03
51	Mar 2030	₱23,258.97	₱15,556.22	₱7,702.75	—	₱2,659,077.28
52	Apr 2030	₱23,258.97	₱15,511.28	₱7,747.68	—	₱2,651,329.59
53	May 2030	₱23,258.97	₱15,466.09	₱7,792.88	—	₱2,643,536.71
54	Jun 2030	₱23,258.97	₱15,420.63	₱7,838.34	—	₱2,635,698.38
55	Jul 2030	₱23,258.97	₱15,374.91	₱7,884.06	—	₱2,627,814.31
56	Aug 2030	₱23,258.97	₱15,328.92	₱7,930.05	—	₱2,619,884.26
57	Sep 2030	₱23,258.97	₱15,282.66	₱7,976.31	—	₱2,611,907.95
58	Oct 2030	₱23,258.97	₱15,236.13	₱8,022.84	—	₱2,603,885.11
59	Nov 2030	₱23,258.97	₱15,189.33	₱8,069.64	—	₱2,595,815.48
60	Dec 2030	₱23,258.97	₱15,142.26	₱8,116.71	—	₱2,587,698.77
61	Jan 2031	₱23,258.97	₱15,094.91	₱8,164.06	—	₱2,579,534.71
62	Feb 2031	₱23,258.97	₱15,047.29	₱8,211.68	—	₱2,571,323.02
63	Mar 2031	₱23,258.97	₱14,999.38	₱8,259.58	—	₱2,563,063.44
64	Apr 2031	₱23,258.97	₱14,951.20	₱8,307.76	—	₱2,554,755.68
65	May 2031	₱23,258.97	₱14,902.74	₱8,356.23	—	₱2,546,399.45
66	Jun 2031	₱23,258.97	₱14,854.00	₱8,404.97	—	₱2,537,994.48
67	Jul 2031	₱23,258.97	₱14,804.97	₱8,454.00	—	₱2,529,540.48
68	Aug 2031	₱23,258.97	₱14,755.65	₱8,503.32	—	₱2,521,037.16
69	Sep 2031	₱23,258.97	₱14,706.05	₱8,552.92	—	₱2,512,484.24
70	Oct 2031	₱23,258.97	₱14,656.16	₱8,602.81	—	₱2,503,881.43
71	Nov 2031	₱23,258.97	₱14,605.98	₱8,652.99	—	₱2,495,228.44
72	Dec 2031	₱23,258.97	₱14,555.50	₱8,703.47	—	₱2,486,524.97
73	Jan 2032	₱23,258.97	₱14,504.73	₱8,754.24	—	₱2,477,770.73
74	Feb 2032	₱23,258.97	₱14,453.66	₱8,805.31	—	₱2,468,965.43
75	Mar 2032	₱23,258.97	₱14,402.30	₱8,856.67	—	₱2,460,108.76
76	Apr 2032	₱23,258.97	₱14,350.63	₱8,908.33	—	₱2,451,200.43
77	May 2032	₱23,258.97	₱14,298.67	₱8,960.30	—	₱2,442,240.13
78	Jun 2032	₱23,258.97	₱14,246.40	₱9,012.57	—	₱2,433,227.56
79	Jul 2032	₱23,258.97	₱14,193.83	₱9,065.14	—	₱2,424,162.42
80	Aug 2032	₱23,258.97	₱14,140.95	₱9,118.02	—	₱2,415,044.40
81	Sep 2032	₱23,258.97	₱14,087.76	₱9,171.21	—	₱2,405,873.19
82	Oct 2032	₱23,258.97	₱14,034.26	₱9,224.71	—	₱2,396,648.48
83	Nov 2032	₱23,258.97	₱13,980.45	₱9,278.52	—	₱2,387,369.96
84	Dec 2032	₱23,258.97	₱13,926.32	₱9,332.64	—	₱2,378,037.32
85	Jan 2033	₱23,258.97	₱13,871.88	₱9,387.08	—	₱2,368,650.24
86	Feb 2033	₱23,258.97	₱13,817.13	₱9,441.84	—	₱2,359,208.39
87	Mar 2033	₱23,258.97	₱13,762.05	₱9,496.92	—	₱2,349,711.47
88	Apr 2033	₱23,258.97	₱13,706.65	₱9,552.32	—	₱2,340,159.16
89	May 2033	₱23,258.97	₱13,650.93	₱9,608.04	—	₱2,330,551.12
90	Jun 2033	₱23,258.97	₱13,594.88	₱9,664.09	—	₱2,320,887.03
91	Jul 2033	₱23,258.97	₱13,538.51	₱9,720.46	—	₱2,311,166.57
92	Aug 2033	₱23,258.97	₱13,481.80	₱9,777.16	—	₱2,301,389.41
93	Sep 2033	₱23,258.97	₱13,424.77	₱9,834.20	—	₱2,291,555.21
94	Oct 2033	₱23,258.97	₱13,367.41	₱9,891.56	—	₱2,281,663.65
95	Nov 2033	₱23,258.97	₱13,309.70	₱9,949.26	—	₱2,271,714.38
96	Dec 2033	₱23,258.97	₱13,251.67	₱10,007.30	—	₱2,261,707.08
97	Jan 2034	₱23,258.97	₱13,193.29	₱10,065.68	—	₱2,251,641.41
98	Feb 2034	₱23,258.97	₱13,134.57	₱10,124.39	—	₱2,241,517.01
99	Mar 2034	₱23,258.97	₱13,075.52	₱10,183.45	—	₱2,231,333.56
100	Apr 2034	₱23,258.97	₱13,016.11	₱10,242.86	—	₱2,221,090.71
101	May 2034	₱23,258.97	₱12,956.36	₱10,302.61	—	₱2,210,788.10
102	Jun 2034	₱23,258.97	₱12,896.26	₱10,362.70	—	₱2,200,425.40
103	Jul 2034	₱23,258.97	₱12,835.81	₱10,423.15	—	₱2,190,002.24
104	Aug 2034	₱23,258.97	₱12,775.01	₱10,483.95	—	₱2,179,518.29
105	Sep 2034	₱23,258.97	₱12,713.86	₱10,545.11	—	₱2,168,973.18
106	Oct 2034	₱23,258.97	₱12,652.34	₱10,606.62	—	₱2,158,366.55
107	Nov 2034	₱23,258.97	₱12,590.47	₱10,668.50	—	₱2,147,698.06
108	Dec 2034	₱23,258.97	₱12,528.24	₱10,730.73	—	₱2,136,967.33
109	Jan 2035	₱23,258.97	₱12,465.64	₱10,793.33	—	₱2,126,174.00
110	Feb 2035	₱23,258.97	₱12,402.68	₱10,856.29	—	₱2,115,317.71
111	Mar 2035	₱23,258.97	₱12,339.35	₱10,919.61	—	₱2,104,398.10
112	Apr 2035	₱23,258.97	₱12,275.66	₱10,983.31	—	₱2,093,414.79
113	May 2035	₱23,258.97	₱12,211.59	₱11,047.38	—	₱2,082,367.40
114	Jun 2035	₱23,258.97	₱12,147.14	₱11,111.82	—	₱2,071,255.58
115	Jul 2035	₱23,258.97	₱12,082.32	₱11,176.64	—	₱2,060,078.94
116	Aug 2035	₱23,258.97	₱12,017.13	₱11,241.84	—	₱2,048,837.10
117	Sep 2035	₱23,258.97	₱11,951.55	₱11,307.42	—	₱2,037,529.68
118	Oct 2035	₱23,258.97	₱11,885.59	₱11,373.38	—	₱2,026,156.30
119	Nov 2035	₱23,258.97	₱11,819.25	₱11,439.72	—	₱2,014,716.58
120	Dec 2035	₱23,258.97	₱11,752.51	₱11,506.45	—	₱2,003,210.12
121	Jan 2036	₱23,258.97	₱11,685.39	₱11,573.58	—	₱1,991,636.55
122	Feb 2036	₱23,258.97	₱11,617.88	₱11,641.09	—	₱1,979,995.46
123	Mar 2036	₱23,258.97	₱11,549.97	₱11,708.99	—	₱1,968,286.46
124	Apr 2036	₱23,258.97	₱11,481.67	₱11,777.30	—	₱1,956,509.17
125	May 2036	₱23,258.97	₱11,412.97	₱11,846.00	—	₱1,944,663.17
126	Jun 2036	₱23,258.97	₱11,343.87	₱11,915.10	—	₱1,932,748.07
127	Jul 2036	₱23,258.97	₱11,274.36	₱11,984.60	—	₱1,920,763.46
128	Aug 2036	₱23,258.97	₱11,204.45	₱12,054.51	—	₱1,908,708.95
129	Sep 2036	₱23,258.97	₱11,134.14	₱12,124.83	—	₱1,896,584.12
130	Oct 2036	₱23,258.97	₱11,063.41	₱12,195.56	—	₱1,884,388.56
131	Nov 2036	₱23,258.97	₱10,992.27	₱12,266.70	—	₱1,872,121.85
132	Dec 2036	₱23,258.97	₱10,920.71	₱12,338.26	—	₱1,859,783.60
133	Jan 2037	₱23,258.97	₱10,848.74	₱12,410.23	—	₱1,847,373.37
134	Feb 2037	₱23,258.97	₱10,776.34	₱12,482.62	—	₱1,834,890.74
135	Mar 2037	₱23,258.97	₱10,703.53	₱12,555.44	—	₱1,822,335.30
136	Apr 2037	₱23,258.97	₱10,630.29	₱12,628.68	—	₱1,809,706.63
137	May 2037	₱23,258.97	₱10,556.62	₱12,702.35	—	₱1,797,004.28
138	Jun 2037	₱23,258.97	₱10,482.52	₱12,776.44	—	₱1,784,227.84
139	Jul 2037	₱23,258.97	₱10,408.00	₱12,850.97	—	₱1,771,376.86
140	Aug 2037	₱23,258.97	₱10,333.03	₱12,925.94	—	₱1,758,450.93
141	Sep 2037	₱23,258.97	₱10,257.63	₱13,001.34	—	₱1,745,449.59
142	Oct 2037	₱23,258.97	₱10,181.79	₱13,077.18	—	₱1,732,372.41
143	Nov 2037	₱23,258.97	₱10,105.51	₱13,153.46	—	₱1,719,218.95
144	Dec 2037	₱23,258.97	₱10,028.78	₱13,230.19	—	₱1,705,988.76
145	Jan 2038	₱23,258.97	₱9,951.60	₱13,307.37	—	₱1,692,681.39
146	Feb 2038	₱23,258.97	₱9,873.97	₱13,384.99	—	₱1,679,296.40
147	Mar 2038	₱23,258.97	₱9,795.90	₱13,463.07	—	₱1,665,833.33
148	Apr 2038	₱23,258.97	₱9,717.36	₱13,541.61	—	₱1,652,291.72
149	May 2038	₱23,258.97	₱9,638.37	₱13,620.60	—	₱1,638,671.12
150	Jun 2038	₱23,258.97	₱9,558.91	₱13,700.05	—	₱1,624,971.07
151	Jul 2038	₱23,258.97	₱9,479.00	₱13,779.97	—	₱1,611,191.10
152	Aug 2038	₱23,258.97	₱9,398.61	₱13,860.35	—	₱1,597,330.74
153	Sep 2038	₱23,258.97	₱9,317.76	₱13,941.21	—	₱1,583,389.54
154	Oct 2038	₱23,258.97	₱9,236.44	₱14,022.53	—	₱1,569,367.01
155	Nov 2038	₱23,258.97	₱9,154.64	₱14,104.33	—	₱1,555,262.68
156	Dec 2038	₱23,258.97	₱9,072.37	₱14,186.60	—	₱1,541,076.08
157	Jan 2039	₱23,258.97	₱8,989.61	₱14,269.36	—	₱1,526,806.72
158	Feb 2039	₱23,258.97	₱8,906.37	₱14,352.60	—	₱1,512,454.12
159	Mar 2039	₱23,258.97	₱8,822.65	₱14,436.32	—	₱1,498,017.81
160	Apr 2039	₱23,258.97	₱8,738.44	₱14,520.53	—	₱1,483,497.27
161	May 2039	₱23,258.97	₱8,653.73	₱14,605.23	—	₱1,468,892.04
162	Jun 2039	₱23,258.97	₱8,568.54	₱14,690.43	—	₱1,454,201.61
163	Jul 2039	₱23,258.97	₱8,482.84	₱14,776.13	—	₱1,439,425.48
164	Aug 2039	₱23,258.97	₱8,396.65	₱14,862.32	—	₱1,424,563.16
165	Sep 2039	₱23,258.97	₱8,309.95	₱14,949.02	—	₱1,409,614.15
166	Oct 2039	₱23,258.97	₱8,222.75	₱15,036.22	—	₱1,394,577.93
167	Nov 2039	₱23,258.97	₱8,135.04	₱15,123.93	—	₱1,379,454.00
168	Dec 2039	₱23,258.97	₱8,046.81	₱15,212.15	—	₱1,364,241.85
169	Jan 2040	₱23,258.97	₱7,958.08	₱15,300.89	—	₱1,348,940.96
170	Feb 2040	₱23,258.97	₱7,868.82	₱15,390.15	—	₱1,333,550.81
171	Mar 2040	₱23,258.97	₱7,779.05	₱15,479.92	—	₱1,318,070.89
172	Apr 2040	₱23,258.97	₱7,688.75	₱15,570.22	—	₱1,302,500.67
173	May 2040	₱23,258.97	₱7,597.92	₱15,661.05	—	₱1,286,839.62
174	Jun 2040	₱23,258.97	₱7,506.56	₱15,752.40	—	₱1,271,087.22
175	Jul 2040	₱23,258.97	₱7,414.68	₱15,844.29	—	₱1,255,242.92
176	Aug 2040	₱23,258.97	₱7,322.25	₱15,936.72	—	₱1,239,306.21
177	Sep 2040	₱23,258.97	₱7,229.29	₱16,029.68	—	₱1,223,276.52
178	Oct 2040	₱23,258.97	₱7,135.78	₱16,123.19	—	₱1,207,153.34
179	Nov 2040	₱23,258.97	₱7,041.73	₱16,217.24	—	₱1,190,936.10
180	Dec 2040	₱23,258.97	₱6,947.13	₱16,311.84	—	₱1,174,624.25
181	Jan 2041	₱23,258.97	₱6,851.97	₱16,406.99	—	₱1,158,217.26
182	Feb 2041	₱23,258.97	₱6,756.27	₱16,502.70	—	₱1,141,714.56
183	Mar 2041	₱23,258.97	₱6,660.00	₱16,598.97	—	₱1,125,115.59
184	Apr 2041	₱23,258.97	₱6,563.17	₱16,695.79	—	₱1,108,419.80
185	May 2041	₱23,258.97	₱6,465.78	₱16,793.19	—	₱1,091,626.61
186	Jun 2041	₱23,258.97	₱6,367.82	₱16,891.15	—	₱1,074,735.47
187	Jul 2041	₱23,258.97	₱6,269.29	₱16,989.68	—	₱1,057,745.79
188	Aug 2041	₱23,258.97	₱6,170.18	₱17,088.78	—	₱1,040,657.01
189	Sep 2041	₱23,258.97	₱6,070.50	₱17,188.47	—	₱1,023,468.54
190	Oct 2041	₱23,258.97	₱5,970.23	₱17,288.73	—	₱1,006,179.80
191	Nov 2041	₱23,258.97	₱5,869.38	₱17,389.59	—	₱988,790.22
192	Dec 2041	₱23,258.97	₱5,767.94	₱17,491.03	—	₱971,299.19
193	Jan 2042	₱23,258.97	₱5,665.91	₱17,593.06	—	₱953,706.13
194	Feb 2042	₱23,258.97	₱5,563.29	₱17,695.68	—	₱936,010.45
195	Mar 2042	₱23,258.97	₱5,460.06	₱17,798.91	—	₱918,211.55
196	Apr 2042	₱23,258.97	₱5,356.23	₱17,902.73	—	₱900,308.81
197	May 2042	₱23,258.97	₱5,251.80	₱18,007.17	—	₱882,301.64
198	Jun 2042	₱23,258.97	₱5,146.76	₱18,112.21	—	₱864,189.44
199	Jul 2042	₱23,258.97	₱5,041.11	₱18,217.86	—	₱845,971.57
200	Aug 2042	₱23,258.97	₱4,934.83	₱18,324.13	—	₱827,647.44
201	Sep 2042	₱23,258.97	₱4,827.94	₱18,431.02	—	₱809,216.41
202	Oct 2042	₱23,258.97	₱4,720.43	₱18,538.54	—	₱790,677.88
203	Nov 2042	₱23,258.97	₱4,612.29	₱18,646.68	—	₱772,031.20
204	Dec 2042	₱23,258.97	₱4,503.52	₱18,755.45	—	₱753,275.74
205	Jan 2043	₱23,258.97	₱4,394.11	₱18,864.86	—	₱734,410.88
206	Feb 2043	₱23,258.97	₱4,284.06	₱18,974.90	—	₱715,435.98
207	Mar 2043	₱23,258.97	₱4,173.38	₱19,085.59	—	₱696,350.39
208	Apr 2043	₱23,258.97	₱4,062.04	₱19,196.92	—	₱677,153.46
209	May 2043	₱23,258.97	₱3,950.06	₱19,308.91	—	₱657,844.56
210	Jun 2043	₱23,258.97	₱3,837.43	₱19,421.54	—	₱638,423.02
211	Jul 2043	₱23,258.97	₱3,724.13	₱19,534.83	—	₱618,888.18
212	Aug 2043	₱23,258.97	₱3,610.18	₱19,648.79	—	₱599,239.39
213	Sep 2043	₱23,258.97	₱3,495.56	₱19,763.40	—	₱579,475.99
214	Oct 2043	₱23,258.97	₱3,380.28	₱19,878.69	—	₱559,597.30
215	Nov 2043	₱23,258.97	₱3,264.32	₱19,994.65	—	₱539,602.65
216	Dec 2043	₱23,258.97	₱3,147.68	₱20,111.29	—	₱519,491.36
217	Jan 2044	₱23,258.97	₱3,030.37	₱20,228.60	—	₱499,262.76
218	Feb 2044	₱23,258.97	₱2,912.37	₱20,346.60	—	₱478,916.16
219	Mar 2044	₱23,258.97	₱2,793.68	₱20,465.29	—	₱458,450.87
220	Apr 2044	₱23,258.97	₱2,674.30	₱20,584.67	—	₱437,866.20
221	May 2044	₱23,258.97	₱2,554.22	₱20,704.75	—	₱417,161.45
222	Jun 2044	₱23,258.97	₱2,433.44	₱20,825.53	—	₱396,335.92
223	Jul 2044	₱23,258.97	₱2,311.96	₱20,947.01	—	₱375,388.91
224	Aug 2044	₱23,258.97	₱2,189.77	₱21,069.20	—	₱354,319.71
225	Sep 2044	₱23,258.97	₱2,066.86	₱21,192.10	—	₱333,127.61
226	Oct 2044	₱23,258.97	₱1,943.24	₱21,315.72	—	₱311,811.89
227	Nov 2044	₱23,258.97	₱1,818.90	₱21,440.07	—	₱290,371.82
228	Dec 2044	₱23,258.97	₱1,693.84	₱21,565.13	—	₱268,806.69
229	Jan 2045	₱23,258.97	₱1,568.04	₱21,690.93	—	₱247,115.76
230	Feb 2045	₱23,258.97	₱1,441.51	₱21,817.46	—	₱225,298.30
231	Mar 2045	₱23,258.97	₱1,314.24	₱21,944.73	—	₱203,353.57
232	Apr 2045	₱23,258.97	₱1,186.23	₱22,072.74	—	₱181,280.83
233	May 2045	₱23,258.97	₱1,057.47	₱22,201.50	—	₱159,079.34
234	Jun 2045	₱23,258.97	₱927.96	₱22,331.01	—	₱136,748.33
235	Jul 2045	₱23,258.97	₱797.70	₱22,461.27	—	₱114,287.06
236	Aug 2045	₱23,258.97	₱666.67	₱22,592.29	—	₱91,694.77
237	Sep 2045	₱23,258.97	₱534.89	₱22,724.08	—	₱68,970.69
238	Oct 2045	₱23,258.97	₱402.33	₱22,856.64	—	₱46,114.05
239	Nov 2045	₱23,258.97	₱269.00	₱22,989.97	—	₱23,124.08
240	Dec 2045	₱23,258.97	₱134.89	₱23,124.08	—	₱0.00
241	Jan 2046	₱0.00	₱0.00	₱0.00	—	₱0.00

How this mortgage calculator works

Enter property price and down payment to get the financed amount, then set loan term and annual interest rate. The tool computes a fixed-rate monthly payment and builds a month-by-month amortization table. Add lump sum entries for dates when you might pay extra principal; the schedule and interest totals update automatically. Insurance, taxes, and lender fees are not included.

Frequently asked questions

What is a home loan amortization calculator?: It estimates your regular monthly payment and how each payment splits between interest and principal over the loan term, using the amount financed, interest rate, and length of the loan.
Does this Pag-IBIG housing loan calculator?: Kwentaloan is an independent tool, not affiliated with Pag-IBIG Fund. You can enter your own rate and term to model a housing loan scenario, but official Pag-IBIG schedules may differ.
What is a lump sum payment on a home loan?: A lump sum is a one-time extra payment applied to your loan balance, in addition to your scheduled amortization. If your lender allows it, it may reduce total interest and shorten the loan term.
Are property taxes and insurance included?: No. This calculator focuses on principal and interest only. Taxes, mortgage insurance, and bank fees are excluded unless you add them separately.

Key terms

Principal: The amount you borrow—the loan balance before interest.
Interest: The cost of borrowing, calculated on your remaining balance each month.
Amortization: Paying the loan over time through scheduled payments that split between interest and principal.
Lump sum: A one-time extra payment on top of your regular amortization, often called lump sum in the Philippines. It may reduce total interest and shorten the term if your lender allows it.