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Pag-IBIG Contribution Calculator

Your Pag-IBIG share, your employer’s, and what you save in a year.

Your numbers

Sample numbers are filled in. Tap a box and type yours.

Only the first ₱10,000 counts

Results update as you type. Calculate takes you to your result.

Pag-IBIG contribution

Your Pag-IBIG contribution per month₱200.00Deducted from your salary. Your employer adds ₱200.00, and all of it goes to your Pag-IBIG savings.

Compensation counted
₱10,000.00
Required employee share
₱200.00
Your Pag-IBIG contribution per month
₱200.00
Employer pays
₱200.00
Saved per month
₱400.00
Saved per year
₱4,800.00

Uses official rates last checked 2026-10-07. How it’s computed · Sources · Change your numbers

Your Pag-IBIG contribution per month₱200.00

How to use this calculator

  1. Enter your monthly compensation.
  2. Add any voluntary savings you put in on top of the required share.

How it’s computed

Compensation counted = your pay, up to ₱10,000.00.

You pay 1% if you earn ₱1,500.00 or less, otherwise 2%. Your employer pays 2%.

Example

On ₱25,000.00, only ₱10,000.00 counts.

  • You pay ₱200.00 and your employer pays ₱200.00.
  • That’s ₱4,800.00 into your Pag-IBIG savings a year.

Rates and sources used

  • Pag-IBIG, effective 2024-02-01. Secondary verification (payroll advisories); pagibigfund.gov.ph was not machine-readable. Members may voluntarily contribute more. Source: HDMF Circular No. 460 (2024).Last checked 2026-10-07

Frequently asked questions

Why is my contribution only ₱200.00?

Pag-IBIG counts compensation only up to ₱10,000.00. At 2%, the most required from an employee is ₱200.00 a month, matched by the employer.

Can I contribute more?

Yes. You can raise your monthly savings above the minimum, and the extra also earns the yearly dividend. For a separate 5-year savings account with higher dividends, look at MP2.

Do my contributions earn anything?

Yes. Pag-IBIG declares dividends on Regular Savings every year, and you get the total back at maturity, retirement, or when you leave the Fund under its rules.

Do contributions affect my housing loan?

You need at least 24 months of contributions to apply for a Pag-IBIG housing loan, and your savings can count toward a lump-sum payment.

This calculator provides estimates for informational purposes only. Actual payroll, taxes, contributions, loan charges, and utility costs may vary depending on your employer, provider, government rules, or specific circumstances.

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