Does this replace Pag-IBIG or my bank?

No. This is an estimate tool only. Confirm fixing rates, promo eligibility, and income checks with Pag-IBIG or your lender.

Can I use this offline?

Yes. Calculators work offline with the last saved USD/PHP rate from Sea Calculator Currency.

ALLOTMENT HUB

Estimate Pag-IBIG housing loan payments, SSS salary loan, and bank rates. Monthly payment, total interest, and affordability vs your allotment.

For estimates only. Not financial advice. Rates as of 2026-10-12; confirm with Pag-IBIG/SSS/BSP/your lender.

Amount display:

FX from Currency tool · 2026-10-09

Preset

Loan amount (PHP)

Fixing period (years)

Monthly allotment for affordability (PHP)

On contract now

Extra payment to principal (monthly, PHP)

One-time lump sum to principal (PHP, optional)

Monthly payment: ₱12,653

Total interest: ₱1,036,717

Extra principal saves about ₱0 interest and ~0 months vs no extras.

Promo 4.50% fixed 3y for loans up to ₱2,500,000 until 2026-12-31. Income check ~35% of gross; max loan ₱10,000,000.

Effective rate used: 4.500%

Payment vs allotment: 15.8% (Pag-IBIG guide 35%)

#	Payment	Interest	Principal	Balance
1	₱12,653	₱7,500	₱5,153	₱1,994,847
2	₱12,653	₱7,481	₱5,172	₱1,989,675
3	₱12,653	₱7,461	₱5,192	₱1,984,483
4	₱12,653	₱7,442	₱5,211	₱1,979,272
5	₱12,653	₱7,422	₱5,231	₱1,974,041
6	₱12,653	₱7,403	₱5,250	₱1,968,791
7	₱12,653	₱7,383	₱5,270	₱1,963,521
8	₱12,653	₱7,363	₱5,290	₱1,958,231
9	₱12,653	₱7,343	₱5,310	₱1,952,921
10	₱12,653	₱7,323	₱5,330	₱1,947,592
11	₱12,653	₱7,303	₱5,350	₱1,942,242
12	₱12,653	₱7,283	₱5,370	₱1,936,873
13	₱12,653	₱7,263	₱5,390	₱1,931,483
14	₱12,653	₱7,243	₱5,410	₱1,926,073
15	₱12,653	₱7,223	₱5,430	₱1,920,643
16	₱12,653	₱7,202	₱5,451	₱1,915,192
17	₱12,653	₱7,182	₱5,471	₱1,909,721
18	₱12,653	₱7,161	₱5,492	₱1,904,230
19	₱12,653	₱7,141	₱5,512	₱1,898,718
20	₱12,653	₱7,120	₱5,533	₱1,893,185
21	₱12,653	₱7,099	₱5,554	₱1,887,631
22	₱12,653	₱7,079	₱5,574	₱1,882,057
23	₱12,653	₱7,058	₱5,595	₱1,876,462
24	₱12,653	₱7,037	₱5,616	₱1,870,845