Pag-IBIG Philippines
Everything you need to know about your Pag-IBIG contribution — free calculator, complete table, multi-purpose loan calculator, and a plain-language guide to your housing and savings benefits.
Last updated: June 2026 · Home Development Mutual Fund (HDMF) · Circular No. 460 · RA 9679
What is Pag-IBIG?
Pag-IBIG — formally the Home Development Mutual Fund (HDMF) — is the Philippine government’s national savings and housing finance program. Every formal sector employee is required to contribute monthly. Your contributions earn dividends and accumulate into your Total Accumulated Value (TAV), which forms the basis for your loan eligibility and your lump-sum withdrawal when you retire or leave the program.
For employed members, both you and your employer contribute 2% of your monthly salary each, capped at ₱200 per side. This means a total of ₱400 goes into your Pag-IBIG savings every month regardless of how much you earn above ₱10,000. Beyond the mandatory savings, Pag-IBIG gives you access to multi-purpose loans, calamity loans, and the government’s most affordable housing loan program — making it one of the most directly useful government contributions for regular workers.
Pag-IBIG Key Rates
| Concept | Value | Source |
|---|---|---|
| Employee rate (salary ≤ ₱1,500) | 1% | HDMF Circular 460 |
| Employee rate (salary > ₱1,500) | 2% | HDMF Circular 460 |
| Employer rate | 2% | HDMF Circular 460 |
| Maximum Fund Salary (MFS) | ₱10,000 | HDMF Circular 460 |
| Max employee contribution | ₱200/month | HDMF Circular 460 |
| Max employer contribution | ₱200/month | HDMF Circular 460 |
What You’ll Find in This Section
- Pag-IBIG Contribution Calculator — Compute your exact monthly Pag-IBIG deduction by salary
- Pag-IBIG Contribution Table — Complete contribution table for all salary brackets
- Pag-IBIG Multi-Purpose Loan Calculator — Estimate your MPL loan amount and monthly payments
- How Pag-IBIG Works — Complete guide to savings, loans and housing benefits
Also in Philippines:
📋 Rates verified — Official sources: pagibigfund.gov.ph · HDMF Circular No. 460 · RA 9679
⚠️ This is general information, not financial, tax, or legal advice. KnowMyGovt is an independent service — not affiliated with or endorsed by the SSS, PhilHealth, Pag-IBIG, the BIR, DOLE, or the Philippine government — and is not liable for decisions made in reliance on it.
