Pag-IBIG Contribution Calculator Philippines
See how much Pag-IBIG (HDMF) takes from your monthly pay and how much your employer adds. For employed members. Everything is computed on your device.
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Compute your Pag-IBIG contribution
Your monthly Pag-IBIG deduction
Only the first ₱10,000.00 of your monthly compensation is counted.
| Compensation used | |
|---|---|
| Your share (employee) | |
| Employer's share | |
| Total monthly contribution |
How Pag-IBIG contributions are computed
- You pay 2% of your monthly compensation, or 1% if you earn ₱1,500.00 or less a month.
- Your employer pays 2%.
- Only the first ₱10,000.00 of your monthly compensation is counted, so the most you pay is ₱200.00 a month.
(Sources: RA 9679, Sec. 7; HDMF Circular No. 460)
Worked examples
Example 1: ₱8,000 a month
- You pay: 2% × ₱8,000.00 = ₱160.00
- Your employer pays: 2% × ₱8,000.00 = ₱160.00
Example 2: ₱30,000 a month (above the maximum)
- Only ₱10,000.00 is counted
- You pay: ₱200.00
- Your employer pays: ₱200.00
Want to save more with Pag-IBIG? Estimate your earnings with the MP2 savings calculator.
Frequently asked questions
How much is the Pag-IBIG contribution?
You pay 2% of your monthly compensation (1% if you earn ₱1,500.00 or less), and your employer pays 2%. Only the first ₱10,000.00 of your monthly compensation is counted.
Why is my Pag-IBIG contribution only ₱200.00 even though I earn more?
Contributions are computed on a maximum monthly compensation of ₱10,000.00. At 2%, that is ₱200.00 from you and ₱200.00 from your employer each month.
When did the maximum become ₱10,000.00?
The law (RA 9679) originally set a lower maximum but allows the Pag-IBIG Fund Board to change it. It was raised to ₱10,000.00 starting February 2024.
Sources
- Republic Act No. 9679 (Home Development Mutual Fund Law of 2009), Sec. 7
- HDMF (Pag-IBIG Fund) Circular No. 460 (January 15, 2024): increase in the Maximum Fund Salary effective February 2024
This calculator covers employed members only. Self-employed, voluntary, and OFW members have different rules.
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