Pag-IBIG Contribution Calculator 2026
Calculate your monthly Pag-IBIG Fund (HDMF) contribution for 2026.
How Pag-IBIG Contribution Works
Pag-IBIG (HDMF) contributions are based on your monthly basic salary, capped at ₱10,000 maximum fund salary (per HDMF Circular No. 460). For employees earning ₱1,500 and below, the employee share is 1% and employer share is 2%. For those earning over ₱1,500, both employee and employer contribute 2% each.
Max Employee Share = ₱10,000 × 2% = ₱200/monthLegal basis: Republic Act No. 9679 (Home Development Mutual Fund Law of 2009)
Frequently Asked Questions
How much is the monthly Pag-IBIG contribution?
For employees earning over PHP 1,500 per month, the employee contributes 2% of their monthly salary and the employer contributes 2%, for a total of 4%. The maximum monthly compensation used for computation is PHP 10,000, making the maximum employee share PHP 200.
What is the maximum Pag-IBIG contribution?
The standard maximum monthly Pag-IBIG employee contribution is PHP 200 (2% of PHP 10,000 cap). However, members may voluntarily contribute more through the MP2 (Modified Pag-IBIG 2) savings program to earn higher dividends.
Is Pag-IBIG mandatory for self-employed workers?
Pag-IBIG membership is mandatory for all employees earning at least PHP 1,000 per month. Self-employed individuals and voluntary members can also register and contribute to enjoy Pag-IBIG benefits like housing loans and short-term loans.