Pag-IBIG Contribution Calculator Philippines 2026
Pag-IBIG Fund, officially the Home Development Mutual Fund (HDMF), is a mandatory savings and housing finance program for most working Filipinos. Every covered employee contributes a portion of their monthly compensation, and their employer matches that contribution, building up a fund you can borrow against or eventually withdraw. The contribution rates follow a three-bracket schedule based on your monthly compensation, with a maximum fund salary of ₱10,000 — meaning anyone earning above that amount pays a fixed ₱200 per month, and so does their employer. Self-employed individuals and OFWs shoulder both shares themselves since they have no employer to match. Knowing your exact contribution helps you plan your take-home pay and understand how much credit you are building toward a housing or multi-purpose loan.
Calculator
How It Works
- 1
Enter your total monthly compensation, which includes your basic salary and any regular allowances counted as part of your wage.
- 2
Select your member type. Employed members have their share deducted from salary with the employer adding a matching share. Self-employed and OFW members pay both portions themselves.
- 3
For compensation at or below ₱1,500, the employee rate is 1% and the employer rate is 2%.
- 4
For compensation above ₱1,500 up to ₱10,000, both the employee and employer rate is 2% each.
- 5
For compensation above ₱10,000, both the employee and employer share are fixed at ₱200 per month (based on the maximum fund salary of ₱10,000).
- 6
Self-employed and OFW members pay the combined ₱400 per month when earning above ₱10,000.
- 7
Annual contribution is your employee share multiplied by 12 months.
Frequently Asked Questions
All employees in the private sector, government workers, self-employed individuals earning at least ₱1,000 per month, OFWs, and non-working spouses of Pag-IBIG members are required or eligible to register. Kasambahay (household workers) are also covered under the Kasambahay Law.