Reverse Affordability Calculator
Enter your target monthly payment. See what property price you can afford instantly.
How much can you pay per month?
Interest Rate: 6.25% p.a. (Pag-IBIG rate for loans ₱6M+)
Enter your monthly budget to see what property you can afford
Min: ₱5,000 / Max: ₱500,000
How This Calculator Works
This calculator takes your desired monthly payment and works backwards to find the maximum property price you can afford:
- Monthly Payment: You set your target — how much you want to pay each month
- Loan Calculation: We calculate the maximum loan amount that payment supports at 6.25% interest
- Property Price: Adding your down payment gives the total property price you can afford
- Income Check: We show the minimum income required to qualify (35% DTI rule)
Who This Tool Is For
- OFW Agents: Quickly prequalify clients during calls — "What monthly payment can you afford?"
- OFWs: Start from what you can actually pay, not what banks want to lend you
- Budget-first buyers: Know your limit before you start shopping
Related Tools
- Affordability Calculator — Start from your salary instead of monthly payment
- Pag-IBIG Calculator — Calculate exact monthly payments for a specific loan amount
- Pag-IBIG vs Bank — Compare financing options side-by-side
Related Guides
- OFW Condo Buying Guide — Country-specific guide for buying from abroad
- Complete Pag-IBIG Housing Loan Guide — Eligibility, rates, and application process
Reverse Affordability Calculator FAQs
How is this different from the regular Affordability Calculator?
The regular calculator asks for your salary and calculates what you can afford. This reverse calculator asks for your target monthly payment and shows what property price that supports. It's faster when you already know your monthly budget.
What interest rate does this calculator use?
We use 6.25% per annum, which is the current Pag-IBIG rate for loans above ₱6M. This is a conservative estimate. Actual rates vary based on loan amount and repricing period chosen.
Why do I need to select my country?
We convert the monthly payment and down payment to your local currency so you can see the real commitment in the money you earn daily. This helps OFWs working abroad understand the true cost.
Is this accurate for bank loans too?
This calculator is optimized for Pag-IBIG financing. Bank loans typically have higher interest rates (7.5-9.5%), which would result in lower property prices for the same monthly payment. Use our Pag-IBIG vs Bank comparison tool for bank estimates.
What if I can afford more per month than the "required income" shows?
Lenders cap your housing payment at 35% of gross income (the DTI limit). Even if you want to pay more, you'll need to show sufficient income to qualify for the loan.
What's not included in this calculation?
This shows principal + interest only. Additional costs like property taxes, HOA fees, fire insurance, and mortgage redemption insurance are not included. These typically add 1-3% to your monthly costs.
Know Your Salary, Not Your Budget?
Use our regular Affordability Calculator to see what you can afford based on your monthly income.