PhilippineHavenLIVE WELL. PLAN WISELY.Start my plan ↗
FOR AMERICAN PROPERTY BUYERS

The price is only
part of the plan.

Separate annual costs, upfront cash and reserves before comparing a Philippine home with seasonal renting. Use your own figures; there are no market-price defaults.

How this worksheet works

Monthly costs × 12 plus annual costs = annual carrying costs. PHP amounts are divided by your PHP-per-USD rate. Upfront cash and reserves are shown separately. Costs continue across the full year, even if you occupy the home for fewer months.

Your entries remain in this page until you choose to submit a result with an inquiry. Reloading clears the worksheet. Download the result before leaving. This is an educational cash-planning tool, not a loan, tax or investment model.

Build your complete property cash plan.

Start with written quotes. Leave unknown costs marked unknown; a blank amount is never treated as a verified zero. Choose “Not applicable” only when you have checked that it does not apply.

The rate is a user-entered planning assumption, not a live exchange quote. All PHP amounts use this one rate. Transfer fees belong in your own cost lines.

Association / building dues / monthly
Utilities and internet / monthly
Local oversight / management / monthly
Loan payments, if financed / monthly
Property taxes and local charges / annual
Property insurance / annual
Repairs and replacement allowance / annual
Special assessments / other annual costs / annual
Property-related travel / annual
Purchase price / cash contribution at closing / upfront
Transaction taxes, registration and legal costs / upfront
Furniture and initial setup / upfront
Emergency cash kept accessible / cash set aside
Refundable / restricted deposits / cash set aside

For a cash purchase, enter the full purchase price in the upfront contribution. For financing, enter your cash contribution and the payment schedule you actually expect; this worksheet does not model a loan or calculate interest. Check for duplicated costs.

Which transaction costs should I request? →Compare a seasonal ownership plan →Verify the ownership rights →