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Loan calculator

Compute interest, the per-payment amount, and the full amortization schedule — for flat add-on, diminishing balance, one-time fixed, and hulugan terms.

Interest method

Interest = principal × monthly rate × months. The common “5-6” style.

Principal (₱)

Interest rate (% per month)

Payment frequency

Number of payments

Release date

First due date (optional)

Processing fee (₱) (deducted from release)

Cash released

₱10,000.00

Total interest

₱3,000.00

Total payable

₱13,000.00

Per payment

₱2,166.67

≈ 5.00%/mo effective

Payment schedule

#	Due date	Principal	Interest	Amount due
1	September 10, 2026	₱1,666.67	₱500.00	₱2,166.67
2	October 10, 2026	₱1,666.67	₱500.00	₱2,166.67
3	November 10, 2026	₱1,666.67	₱500.00	₱2,166.67
4	December 10, 2026	₱1,666.67	₱500.00	₱2,166.67
5	January 10, 2027	₱1,666.67	₱500.00	₱2,166.67
6	February 10, 2027	₱1,666.65	₱500.00	₱2,166.65

Figures are estimates for planning. Your signed loan agreement is the final word.