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Personal loan amortization

Personal loan pricing varies by lender, but this calculator helps you estimate monthly payments, total repayment, and the remaining balance month by month.

Loan Amount (PHP)

Annual Interest Rate (%)

Loan Term (Months)

Understanding Loan Terms

When taking a personal loan in the Philippines, it helps to understand how the annual rate, term length, and repayment structure affect your monthly installment and total interest.

Key Rate Terms

Annual interest rate: The yearly borrowing cost used here to derive the monthly rate.
Monthly amortization: The fixed payment you make every month under a standard amortizing loan.
Total interest: The amount paid above the original principal over the full term.

Other Loan Costs to Watch

Processing fees and documentary stamp tax
Late payment charges
Pre-termination or prepayment fees
Insurance or bundled service charges