Payroll & Tax · Philippines
Pag-IBIG Contribution Calculator
Private and government employees. The employer adds its own 2% on top of the employee's savings.
Basic salary plus allowances. Pag-IBIG counts up to ₱10,000 of it.
- Employee rate1% up to ₱1,500
- 2%
- Employer rate
- 2%
- Maximum fund salarySince February 2024
- ₱10,000
Nothing you type is sent anywhere. Figures follow HDMF Circular No. 460.
Enter a monthly salary or earnings to see your required Pag-IBIG savings, what your employer adds, and how much both come to over a year.
How to use this tool
Choose Employee, Kasambahay, Self-employed, or OFW, voluntary or other earner.
Enter the monthly salary and allowances, wage or earnings. Pag-IBIG counts up to ₱10,000 of it.
Read your monthly savings, your employer's share and what both come to over a year, then Copy the result.
How to use this tool
Choose Employee, Kasambahay, Self-employed, or OFW, voluntary or other earner.
Enter the monthly salary and allowances, wage or earnings. Pag-IBIG counts up to ₱10,000 of it.
Read your monthly savings, your employer's share and what both come to over a year, then Copy the result.
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Your Pag-IBIG savings, worked out.
Pag-IBIG savings are a percentage of your pay up to a cap. This applies the cap and the rate for your type of membership.
- The rates
- 1% from the employee on pay of ₱1,500 or less and 2% above it, plus 2% from the employer, on up to ₱10,000 of monthly pay.
- Every type of member
- Self-employed members pay both shares, a household employer pays a kasambahay's below a ₱5,000 wage, and members without an employer pay their own.
- Savings, not a tax
- What you and your employer put in is yours, earns dividends, and is the record Pag-IBIG looks at for housing and short-term loans.
Frequently asked questions
How much is the Pag-IBIG contribution in 2026?
₱200 a month from the employee and ₱200 from the employer for anyone earning ₱10,000 or more. Since February 2024 the rates of 2% each apply to up to ₱10,000 of monthly pay, which is where the ₱200 comes from.
What is the fund salary?
The pay Pag-IBIG works your savings out from: your basic salary plus allowances, counted up to ₱10,000 a month. On a fund salary of ₱1,500 or less the employee rate is 1% instead of 2%.
Can I contribute more than ₱200?
Yes. Members may save more than the required amount, and employers only have to match the required part unless they agree to match more. MP2 is a separate voluntary savings program with its own dividends.
What do self-employed members and OFWs pay?
Self-employed members are treated as both employee and employer, so they pay both shares: up to ₱400 a month. OFWs and other members without an employer counterpart pay the employee rate, up to ₱200 a month.
Do I get my Pag-IBIG contributions back?
Yes. Your savings and your employer's share earn yearly dividends and are paid back when your membership matures after 20 years, or earlier when you retire, among other grounds the Fund allows.