Rewards value
Estimate how much cashback or points may be worth in pesos after subtracting the annual fee.
monthly spend × 12 × reward rate − annual fee
Result appears here.
Calculators
Credit card calculators for real Filipino budgets
Use these Peso calculators before saying yes to annual fees, installments, foreign purchases, or minimum payment. Estimates only — always check your bank’s actual statement and terms.
Paalala para sa Filipino users
Use these before swiping, not after. A small monthly payment can look easy, but interest and fees can quietly eat your budget. Enter your own Peso amounts for a more realistic estimate.
Minimum paymentUsually the most expensive habit.
Annual feeCheck if rewards can actually offset it.
FX feeImportant for travel and foreign online stores.
Annual fee break-even
Check how much you need to spend before a card’s rewards can “pay back” the annual fee.
annual fee ÷ reward rate
Result appears here.
Minimum payment simulator
See why minimum payment can become expensive when you do it month after month.
monthly interest = balance × monthly rate
Result appears here.
Foreign transaction cost
Estimate the extra Peso cost when shopping abroad or paying foreign online merchants.
purchase amount × (issuer fee + buffer)
Result appears here.
Safety note: Calculators simplify issuer rules. Always check your statement and official terms. If a calculator result makes debt look manageable, test a more conservative scenario before borrowing.