Pag-IBIG Contribution Calculator 2026
Use this Pag-IBIG contribution calculator to find your exact monthly employee deduction and employer share based on your monthly salary.
Last updated: January 2026 · HDMF Circular No. 460 · RA 9679
How Pag-IBIG Contribution is Computed
Your Pag-IBIG contribution is based on your Monthly Fund Salary (MFS) — which is your actual salary capped at ₱10,000. If you earn ₱25,000 a month, your contribution is not 2% of ₱25,000. It is 2% of ₱10,000, giving a fixed monthly deduction of ₱200. This cap applies to every employee earning ₱10,000 or more, meaning the vast majority of formal sector workers pay exactly ₱200 per month. Your employer matches this with another ₱200, putting a total of ₱400 into your Pag-IBIG savings account every month.
For employees earning ₱1,500 or below, the employee rate drops to 1% while the employer still contributes 2%. This protects the lowest-income workers from a proportionally heavy deduction while ensuring the employer still contributes meaningfully to their savings. Under HDMF Circular No. 460, which took effect February 2024 and remains in force, the Maximum Fund Salary was doubled from ₱5,000 to ₱10,000 — meaning contributions and therefore loan eligibility both increased for all members.
Pag-IBIG Contribution by Salary Bracket
| Monthly Salary | Employee Rate | Employee Share | Employer Share |
|---|---|---|---|
| ₱1,000 | 1% | ₱10.00 | ₱20.00 |
| ₱1,500 | 1% | ₱15.00 | ₱30.00 |
| ₱2,000 | 2% | ₱40.00 | ₱40.00 |
| ₱5,000 | 2% | ₱100.00 | ₱100.00 |
| ₱8,000 | 2% | ₱160.00 | ₱160.00 |
| ₱10,000 and above | 2% | ₱200.00 | ₱200.00 |
Source: HDMF Circular No. 460 · RA 9679 · Effective February 2024
What Your Pag-IBIG Contributions Build
Every peso you and your employer contribute goes into your Total Accumulated Value (TAV) — your personal Pag-IBIG savings balance. Your TAV earns annual dividends declared by the Pag-IBIG Fund based on the fund’s investment performance. Historically Pag-IBIG dividends have ranged from 5% to 7% per year, which is significantly higher than most bank savings account rates. Your TAV grows through your contributions, your employer’s contributions, and the dividends credited annually.
Your TAV is the key to everything Pag-IBIG offers. Multi-purpose loans are based on a percentage of your TAV. Housing loan eligibility and maximum amounts also factor in your TAV and contribution history. When you reach 240 monthly contributions — 20 years — or reach the age of 65, you can claim your entire TAV as a lump-sum payment. Members who resign or are separated before reaching 240 contributions can also claim their TAV under certain conditions.
Frequently Asked Questions
Can I contribute more than ₱200 per month voluntarily?
Yes. Pag-IBIG allows voluntary additional contributions above the mandatory ₱200 maximum. You can increase your monthly savings to any amount you choose through the Modified Pag-IBIG II (MP2) program or by simply increasing your regular Pag-IBIG savings. Higher voluntary contributions increase your TAV, which increases your loan eligibility and the dividends you earn annually.
What happens to my Pag-IBIG savings when I change jobs?
Your Pag-IBIG membership number is permanent and your TAV follows you regardless of how many times you change employers. Your new employer is required to enroll you and remit contributions starting from your first month of employment. Your contribution history is cumulative — all years of contributions across all employers count toward your total and toward your loan eligibility.
How do I check my Pag-IBIG savings balance?
Log in to the Virtual Pag-IBIG portal at pagibigfund.gov.ph using your Pag-IBIG Membership ID number. Under Member Services you can view your total accumulated savings, contribution history by month, and dividend credits. You can also check your balance at any Pag-IBIG branch or through the Pag-IBIG Fund mobile app.
Also in Philippines:
📋 Rates verified — Official sources: pagibigfund.gov.ph · HDMF Circular No. 460 · RA 9679
⚠️ This page is for informational purposes only and does not constitute legal or financial advice. KnowMyGovt is not affiliated with Pag-IBIG Fund (HDMF) nor the Philippine government. Always verify with official government sources at pagibigfund.gov.ph.
