Philippine banks advertise low monthly rates, but the real annual cost is much higher. Chrimata reveals the truth and helps you manage payments smarter.
Free to start · No credit card needed · Built for Filipinos
Track installments, reveal hidden interest costs, and build smarter repayment strategies — so you spend less time worrying and more time living.
See the real cost.
Philippine banks advertise low "add-on" monthly rates. We calculate the true Effective Interest Rate — often 2x what they quote.
Every payment, one place.
Track up to 15 installments, loans, and recurring bills with smart reminders. Know exactly what leaves your account each payday.
Upload your SOA, see the truth.
Upload your credit card statements and our AI extracts every charge, installment, and hidden fee — then shows your real revolving cost.
Find the fastest way out.
Compare Snowball vs Avalanche with real month-by-month simulations across 6 time horizons. See exactly when you become debt-free.
Your personal money coach.
Chat with an AI that knows your bills, credit cards, and cash flow. Get personalized advice — not generic tips from the internet.
Compare before you commit.
Side-by-side comparison of rates from BPI, BDO, RCBC, Metrobank, and more — with true EIR calculations, not just advertised rates.
Budget by paycheck.
See exactly which bills come out of each paycheck. No more mid-month surprises when auto-debits hit.
Learn as you track.
Weekly tips designed for Filipino borrowers — understand what APR, EIR, and add-on rate really mean.
Adjust the sliders to reveal the true cost of Philippine add-on rate loans.
No signup required to try the calculator
Most financial tools assume flat interest rates and monthly pay cycles. Chrimata understands add-on rates, bi-monthly paydays, and the reality of managing multiple installments from credit cards, personal loans, and buy-now-pay-later plans — all at once.
Everything you need to understand your finances — free. Upgrade when you're ready for a payoff strategy.
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