Pag-IBIG Contribution Calculator

How Pag-IBIG contributions work

The Pag-IBIG Fund (HDMF) is the Philippines' national savings and housing fund. Members contribute a small amount each month, matched by their employer, which builds savings you can later use for housing loans, short-term loans, or provident benefits.

The rates

The monthly contribution rate depends on your salary:

• Monthly compensation of ₱1,500 or below: employee pays 1%.
• Monthly compensation above ₱1,500: employee pays 2%.
• Employer always contributes 2%.

Crucially, the contribution is computed only on the first ₱5,000 of monthly compensation. That caps the mandatory employee share at ₱100 (2% of ₱5,000) and the employer share at ₱100 too — so the standard total is ₱200 a month regardless of how much more you earn.

Saving more than the minimum

Many members choose to contribute above the mandatory ₱100. You can increase your regular contribution, and the Pag-IBIG MP2 program lets you save extra at higher dividend rates. Larger contributions mean larger provident savings and can improve your housing-loan eligibility.

This is an estimate

Pag-IBIG has discussed raising the ₱5,000 contribution cap, which would increase the maximum mandatory amount. This calculator uses the long-standing ₱5,000 cap (₱100 maximum employee share). Confirm the current cap and rate with Pag-IBIG or your employer before relying on the figure.

FAQ

Can I contribute more than ₱100?

Yes. You can voluntarily contribute more than the mandatory amount to grow your savings faster — ask your employer or Pag-IBIG how to set it up.

What can I use my Pag-IBIG savings for?

Housing loans, calamity and multi-purpose loans, and a lump-sum provident benefit (your savings plus dividends) when your membership matures.

Why is the maximum employee contribution only ₱100?

The mandatory contribution is computed only on the first ₱5,000 of monthly pay, and the employee rate above ₱1,500 is 2%, so the cap works out to ₱100. The employer matches with ₱100, making the standard total ₱200 a month no matter how much more you earn.

Is the result exact or an estimate?

It is an estimate based on the long-standing ₱5,000 contribution cap. Pag-IBIG has discussed raising that cap, which would increase the maximum, so confirm the current rate and cap with Pag-IBIG or your employer before relying on the figure.

What is the Pag-IBIG MP2 program?

MP2 (Modified Pag-IBIG 2) is a voluntary savings program that sits on top of your regular membership and usually pays higher dividend rates over a five-year term. It is a separate way to grow savings beyond the mandatory contribution.

Is this calculator free and private?

Yes, it is free with no sign-up, and the computation runs in your browser, so your salary figure is never uploaded. It also works on phones and tablets.