Most people find out whether they can afford a home the hard way — from a loan rejection after weeks of paperwork, or from a broker whose job is to get to yes. The calculators that do exist tend to show a monthly payment and stop there, which isn't what a bank actually checks. Banks and Pag-IBIG look at your net income after tax and contributions, your existing debts, your age against the loan term, and whether your savings cover the down payment and closing costs. Miss any of those and the payment number was never the real answer.
KayaKo runs the same checks a lender runs, in the same order, and tells you where you stand — likely approved, borderline, or not yet — with the specific reason. No signup wall, no email required, no sales pitch on the other side.
Independence. No lender pays for placement, and the result never bends toward a product. If a partner network is ever added so you can act on a good result, it will be opt-in and disclosed plainly — and your data will never be handed to anyone without your explicit consent. See the Privacy Policy.
Transparency. Every rate, contribution table, tax bracket, and threshold the simulator uses is documented with its source and a review date on the Methodology & Sources page. When a rule changes — SSS contribution rates, Pag-IBIG loan caps, a tax bracket — the page and the calculator are updated together.
Honesty about limits. Where a number is an estimate rather than a rule, it's labeled that way. Where your result is close to the line, the calculator says so instead of rounding toward good news.
Home loans are the first and hardest version of the "can I afford this?" question, so that's where KayaKo starts. The same approach — compute what the lender computes, then explain it — applies to other big commitments Filipinos take on, and the plan is to get there once the home loan simulator has proven itself. The guides section grows alongside it, covering the parts of buying property that the numbers alone don't explain.