Free tool · Philippines
HOA dues and penalty calculator.
Type the lot area, the rate per sqm, the months unpaid and your by-laws' penalty. Get the total due with a month-by-month table.
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HOA dues and late penalty calculator
Total amount due
₱9,630.00
On a 150 sqm lot at ₱10.00 per sqm a month, 6 months of unpaid HOA dues come to ₱9,000.00, and with a 2% monthly simple penalty the total due is ₱9,630.00.
| Monthly dues | ₱1,500.00 |
|---|---|
| Unpaid dues (6 months) | ₱9,000.00 |
| Late penalties | ₱630.00 |
| Total amount due | ₱9,630.00 |
| Unpaid month | Months late | Dues | Penalty | Amount due |
|---|---|---|---|---|
| Month 1 | 6 | ₱1,500.00 | ₱180.00 | ₱1,680.00 |
| Month 2 | 5 | ₱1,500.00 | ₱150.00 | ₱1,650.00 |
| Month 3 | 4 | ₱1,500.00 | ₱120.00 | ₱1,620.00 |
| Month 4 | 3 | ₱1,500.00 | ₱90.00 | ₱1,590.00 |
| Month 5 | 2 | ₱1,500.00 | ₱60.00 | ₱1,560.00 |
| Month 6 | 1 | ₱1,500.00 | ₱30.00 | ₱1,530.00 |
How it was worked out
- Monthly dues. 150 sqm × ₱10.00 per sqm = ₱1,500.00 a month. The rate is set by the association's board or general assembly under its by-laws. (Republic Act No. 9904, Magna Carta for Homeowners and Homeowners' Associations)
- Unpaid dues. ₱1,500.00 × 6 months = ₱9,000.00.
- Late penalty. Each unpaid month carries 2% of ₱1,500.00, ₱30.00, for every month it is late. The oldest month is 6 months late, so its penalty is ₱180.00. All months together: ₱630.00. (Republic Act No. 9904, Magna Carta for Homeowners and Homeowners' Associations)
- Total due. ₱9,000.00 dues + ₱630.00 penalties = ₱9,630.00.
- The rate per sqm, the penalty rate and whether it compounds come from your association's by-laws and board resolutions. Check them with the HOA office.
- Interest, legal fees and special assessments are left out. A dispute over dues can be brought to DHSUD, which regulates homeowners' associations.
- Each month is counted as late for every month until today, the oldest month the longest. Some by-laws start the penalty after a grace period; adjust the months if yours do.
Rates and rules as of November 8, 2026. A guide, not legal or tax advice.
Questions
Asked and answered.
How are HOA dues computed in the Philippines?
Most associations multiply the lot area in square meters by a monthly rate per sqm set by the board or general assembly. A 150 sqm lot at ₱10 per sqm pays ₱1,500 a month.
Can a homeowners' association charge a late penalty?
Yes, if its by-laws or a valid board resolution provide for one. RA 9904 lets an association collect dues and impose reasonable fines and penalties under its rules.
What is the difference between a simple and a compounding penalty?
A simple penalty is a fixed percentage of the unpaid dues for each month late. A compounding penalty also charges the percentage on penalties already added, so the amount grows faster.
Where do I complain about HOA dues?
Raise it with the association first. If it is not settled, the Department of Human Settlements and Urban Development (DHSUD) hears disputes involving homeowners' associations.
From Greenhaven
This is one figure Greenhaven works out for you.
Greenhaven is Tekhx's ready-made hoa system for Philippine businesses. It does this, and everything around it, for every record, every day.