Pawnshop Manila

Free Financial Calculators

Pawnshop & Gold
Calculators Philippines 2026

Free tools to estimate pawn loan values, calculate gold prices by karat, and compare personal loan rates. All calculators use BSP-regulated rates and current Philippine market data.

BSP Circular 1119

Maximum pawnshop interest rate: 3.5% per month. All BSP-regulated pawnshops must comply.

4-Month Maturity

Standard pawnshop loan period is 4 months (120 days). You can redeem at any time.

Gold Price Updated Daily

Our gold calculator uses the latest Philippine market rates, updated every trading day.

SEC-Registered Lenders Only

Our loan comparison includes only SEC-registered and BSP-licensed lenders.

All Calculators

Pawn Value Estimator

Estimate how much you can borrow from a pawnshop. Input item type and value — get estimated loan range, monthly interest, and total redemption cost.

Loan-to-value: 70–85%

Max rate: 3.5%/mo

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Gold Sellers

Gold Value Calculator

Calculate the value of your gold by karat and weight. See spot value, expected pawnshop loan offer, and Binondo gold buyer rate side by side.

24K rate: ₱5,580/g

18K rate: ₱4,185/g

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Loan Seekers

Loan Comparison Calculator

Compare monthly payments across BPI, Tonik, Cashalo, and pawnshop loans. Input amount and term — see total cost for each option.

BPI rate: 1.2%/mo

Pawnshop max: 3.5%/mo

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Borrowers

Pawnshop Interest Calculator

Calculate exact monthly interest, total interest, and full redemption amount for any pawnshop loan. Includes 1, 2, 3, and 4-month redemption schedule.

BSP max rate: 3.5%/mo

Loan period: 4 months

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