Free Real Estate Tools for Philippine Home Buyers

Buying a house, lot or condo in the Philippines means knowing not just what you can afford, but what owning it costs every year after. These tools are free, need no sign-up, and run entirely in your browser, so nothing you enter is saved or sent anywhere. They're built for how property is actually bought and held here: Pag-IBIG Fund housing loans, bank mortgages, developer in-house financing, and annual real property tax (amilyar), all in Philippine pesos.

• Pag-IBIG & Bank Housing Loan CalculatorEstimate your monthly amortization for a Pag-IBIG, bank or in-house housing loan from the price, down payment, interest rate and term. Includes a ready-made payment table.Open the tool
• 4PH Calculator: Eligibility and Monthly PaymentCheck if you likely qualify for the Expanded 4PH housing program (income, Pag-IBIG contributions, first-time buyer, age) and estimate your monthly payment at the 3% subsidized rate.Open the tool
• Lot & House Payment Calculator (TCP, Reservation Fee, Installment)Work out a lot, house-and-lot or condo's total contract price, balance after reservation fee, cash-payment discount tiers and monthly installment — the same walkthrough sellers use on paper, made interactive.Open the tool
• Real Property Tax (Amilyar) CalculatorEstimate the yearly real property tax (amilyar) on a lot, house or condo from its market or assessed value, property type and location, including the SEF, early-payment discount and late-payment interest.Open the tool
• Transfer Tax & Closing Cost Calculator (CGT, DST, Registration)Estimate the capital gains tax, documentary stamp tax, local transfer tax, registration and notarial fees on a Philippine property sale, who pays each one, and the seller's net proceeds.Open the tool

After you know your numbers

Browse houses and lots for sale in Central Luzon, or read our guides on the Pag-IBIG housing loan, transfer taxes and fees, and real property tax (amilyar) so nothing catches you by surprise, before or after closing.