Pag-IBIG Contribution Calculator (2026)
Pag-IBIG rates in 2026
Pag-IBIG (HDMF) contributions are 2% employee + 2% employer, computed on a maximum fund salary of ₱10,000 — so anyone earning ₱10,000 or more contributes the cap of ₱200, matched by ₱200 from the employer (₱400 total). Employees earning ₱1,500 or less pay a reduced 1%. You can voluntarily save more via MP2, Pag-IBIG's higher-dividend savings program.
Frequently asked questions
Why is my Pag-IBIG deduction exactly ₱200?
Because the contribution base is capped at ₱10,000 fund salary: 2% × ₱10,000 = ₱200, no matter how much more you earn.
Can I contribute more than ₱200?
Yes — you may upgrade your monthly savings voluntarily, or open an MP2 account for extra savings with historically higher dividends.
Do OFWs have to contribute?
Yes, Pag-IBIG membership is mandatory for OFWs; contributions follow the same 2% rule.
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Rates verified against official DOLE, SSS, PhilHealth, Pag-IBIG and BIR issuances. Last reviewed: 2026-07-01.