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 are set by the Pag-IBIG Fund board and have a monthly cap to keep deductions predictable for workers across all income levels. For 2026, the employee share is capped at ₱100 per month for those earning above ₱1,500, though voluntary members and OFWs can choose to contribute more. Knowing your exact contribution helps you plan your take-home pay and understand how much fund 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 their own share. Self-employed and OFW members pay both the employee and employer portions themselves.
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For compensation at or below ₱1,500, the employee rate is 1% and the employer rate is 2%.
- 4
For compensation above ₱1,500, both the employee and employer rate is 2% each.
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The employee share is capped at ₱100 per month regardless of how high the salary goes.
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The employer share has a floor of ₱100 but no upper cap.
- 7
Annual contribution is the 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.