Savings & Investment Calculator

It projects how much your money could grow over time using compound interest. You enter a starting amount, a regular monthly contribution, an expected annual return and a time horizon. The calculator compounds your balance monthly and shows your projected balance, total contributions and the portion that comes from growth. Nook's tool is free and indicative — actual returns depend on where you invest.

Most banks in the Philippines finance about 80% of a property's value, so you typically need around 20% as a down payment, plus fees and reservation costs. On a ₱4,000,000 home that's roughly ₱800,000. Use this calculator to map out the monthly savings needed to reach that goal, then talk to Nook — we compare 20+ banks free of charge to find the loan that fits what you can put down.

Compound interest is earning returns on both your original money and on the returns it has already generated. Because each period's growth is added to the balance, your money grows faster the longer it stays invested. This is why starting early and contributing regularly makes such a large difference — small monthly amounts can become substantial over 10 to 20 years.

Use a realistic figure for your chosen investment. Bank time deposits and money-market funds in the Philippines tend to be on the lower end, while balanced or equity funds historically aim higher over the long term but carry more risk. Try a conservative rate and a more optimistic one to see a range. This calculator is for illustration only and is not investment advice.

Yes, it's completely free. So is Nook. We're the Philippines' original and award-winning mortgage broker, and when you're ready to buy, banks pay us a commission once your loan is released — so our service costs you nothing. You don't fill in bank forms or visit branches; a dedicated Nook consultant runs your entire home loan application for you.

Once you have your down payment saved, Nook handles the rest. Pre-qualify in about three minutes and we compare 20+ banks to match you with the lender most likely to approve you at a sharp rate. Your dedicated consultant prepares the paperwork, follows up with the bank and guides you to approval — all done for you, and 100% free.

Yes. Many overseas Filipino workers save toward a property back home and use Nook to apply remotely. The calculator helps you plan your monthly contributions from abroad, and Nook handles the entire application online — no need to fly home or queue at a branch. Our consultants are available daily from 9am to 9pm via Messenger, WhatsApp and Telegram.