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Home Loan & Affordability Calculator

Explore what you may be able to borrow, estimate your monthly payment, or review a developer's sample computation — all in one place.

How much can I borrow?

Estimate a possible loan amount based on household income and existing monthly debts.

Adjustable planning assumption, not a guaranteed lender threshold.

Interest rates are editable assumptions, not live bank or Pag-IBIG rates. A fixing period shorter than the loan term means payments may change later.

Your estimated results

Estimated borrowing capacity—
Estimated loan amount—
Monthly loan payment—
Monthly equity installment—
Upfront cash / equity + fees—

For educational planning only. This is not an official Pag-IBIG or bank calculator, prequalification, loan quotation, or approval. Eligibility, lending limits, rates, insurance, taxes, fees, age and repayment terms must be confirmed with the lender. Rates may change after the selected fixing period. Monthly payment excludes insurance and other lender charges.