Pag-IBIG Housing Loan Calculator
Estimate financing, advance-to-principal savings, and refinance break-even using configurable rates, terms, costs, and payment behavior.
Estimates only. This is not financial advice, loan approval, or an official Pag-IBIG computation.
Financing inputs
Monthly amortization with optional direct principal payments.
Select the output you want the calculator to solve. If you choose loan amount, term, or rate, enter your target monthly payment.
Reduce monthly due after extras
Off means extras shorten the term.
Monthly due
₱25,000
Total interest
₱2,050,792
Costs
₱0
Total outflow
₱5,550,792
Payoff
186 months
2041-11-01
Saved vs no extras
₱1,021,701
Financing estimate
Balance and cumulative interest over time.
Schedule view
Amortization preview
Showing first 12 months and final payment.
This preview assumes the selected interest rate stays constant for all displayed months. After the fixing or repricing period, the actual rate and payment may change.
Month 1
2026-06-01
₱30,000
Principal
₱6,042
Interest
₱18,958
Extra
₱5,000
Balance
₱3,488,958
Month 2
2026-07-01
₱30,000
Principal
₱6,101
Interest
₱18,899
Extra
₱5,000
Balance
₱3,477,857
Month 3
2026-08-01
₱30,000
Principal
₱6,162
Interest
₱18,838
Extra
₱5,000
Balance
₱3,466,695
Month 4
2026-09-01
₱30,000
Principal
₱6,222
Interest
₱18,778
Extra
₱5,000
Balance
₱3,455,473
Month 5
2026-10-01
₱30,000
Principal
₱6,283
Interest
₱18,717
Extra
₱5,000
Balance
₱3,444,190
Month 6
2026-11-01
₱30,000
Principal
₱6,344
Interest
₱18,656
Extra
₱5,000
Balance
₱3,432,846
Month 7
2026-12-01
₱30,000
Principal
₱6,405
Interest
₱18,595
Extra
₱5,000
Balance
₱3,421,441
Month 8
2027-01-01
₱30,000
Principal
₱6,467
Interest
₱18,533
Extra
₱5,000
Balance
₱3,409,974
Month 9
2027-02-01
₱30,000
Principal
₱6,529
Interest
₱18,471
Extra
₱5,000
Balance
₱3,398,444
Month 10
2027-03-01
₱30,000
Principal
₱6,592
Interest
₱18,408
Extra
₱5,000
Balance
₱3,386,853
Month 11
2027-04-01
₱30,000
Principal
₱6,655
Interest
₱18,345
Extra
₱5,000
Balance
₱3,375,198
Month 12
2027-05-01
₱30,000
Principal
₱6,718
Interest
₱18,282
Extra
₱5,000
Balance
₱3,363,480
Final (186)
2041-11-01
₱792
Principal
₱788
Interest
₱4
Extra
₱0
Balance
₱0
| Month | Date | Payment | Principal | Interest | Extra | Balance |
|---|---|---|---|---|---|---|
| 1 | 2026-06-01 | ₱30,000 | ₱6,042 | ₱18,958 | ₱5,000 | ₱3,488,958 |
| 2 | 2026-07-01 | ₱30,000 | ₱6,101 | ₱18,899 | ₱5,000 | ₱3,477,857 |
| 3 | 2026-08-01 | ₱30,000 | ₱6,162 | ₱18,838 | ₱5,000 | ₱3,466,695 |
| 4 | 2026-09-01 | ₱30,000 | ₱6,222 | ₱18,778 | ₱5,000 | ₱3,455,473 |
| 5 | 2026-10-01 | ₱30,000 | ₱6,283 | ₱18,717 | ₱5,000 | ₱3,444,190 |
| 6 | 2026-11-01 | ₱30,000 | ₱6,344 | ₱18,656 | ₱5,000 | ₱3,432,846 |
| 7 | 2026-12-01 | ₱30,000 | ₱6,405 | ₱18,595 | ₱5,000 | ₱3,421,441 |
| 8 | 2027-01-01 | ₱30,000 | ₱6,467 | ₱18,533 | ₱5,000 | ₱3,409,974 |
| 9 | 2027-02-01 | ₱30,000 | ₱6,529 | ₱18,471 | ₱5,000 | ₱3,398,444 |
| 10 | 2027-03-01 | ₱30,000 | ₱6,592 | ₱18,408 | ₱5,000 | ₱3,386,853 |
| 11 | 2027-04-01 | ₱30,000 | ₱6,655 | ₱18,345 | ₱5,000 | ₱3,375,198 |
| 12 | 2027-05-01 | ₱30,000 | ₱6,718 | ₱18,282 | ₱5,000 | ₱3,363,480 |
| Final (186) | 2041-11-01 | ₱792 | ₱788 | ₱4 | ₱0 | ₱0 |