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Pag-IBIG Contribution Calculator 2026

As of 2026, the Pag-IBIG (HDMF) contribution is 2% of your monthly fund salary from you and 2% from your employer, computed on a fund salary capped at ₱10,000 — so the mandatory maximum is ₱200 + ₱200 = ₱400 per month. Employees earning ₱1,500 or below contribute 1% instead (employer still 2%). This has been the schedule since HDMF Circular No. 460 took effect in February 2024.

Updated: August 2026

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Pag-IBIG Contribution Calculator

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Contributions are computed on a Monthly Fund Salary capped at ₱10,000 (HDMF Circular 460).

Pag-IBIG Contribution Table 2026

Monthly Compensation Employee Rate Employer Rate Example — Employee Example — Total
₱1,500 and below 1% 2% ₱1,500 → ₱15 ₱45
Over ₱1,500 to ₱10,000 2% 2% ₱8,000 → ₱160 ₱320
₱10,000 and above (capped) 2% of ₱10,000 2% of ₱10,000 ₱200 (maximum) ₱400 (maximum)

How It Is Calculated

  1. Take your monthly compensation, capped at the ₱10,000 Maximum Fund Salary.
  2. Employee share: 2% of that amount (1% if your compensation is ₱1,500 or below).
  3. Employer share: 2% of the same amount — employers may not pass this cost to you.

Example Computations

Example 1 — ₱6,000 salary: fund salary ₱6,000 → employee ₱120 + employer ₱120 = ₱240 total.

Example 2 — ₱25,000 salary: fund salary capped at ₱10,000 → employee ₱200 + employer ₱200 = ₱400 total.

Example 3 — kasambahay earning ₱1,400: employee rate is 1% → ₱14; employer adds 2% → ₱28. (Household employers shoulder the full savings of kasambahays earning below ₱5,000.)

Who This Applies To

Pag-IBIG membership is mandatory for private and government employees, kasambahays, self-employed workers and OFWs. Your mandatory savings earn annual dividends and unlock eligibility for Pag-IBIG housing, multi-purpose and calamity loans. Voluntary top-ups and the MP2 savings program are optional extras on top of the amounts computed here.

How to Pay

Employees are auto-deducted through payroll. Self-employed members and OFWs can pay through Virtual Pag-IBIG and accredited collecting partners. Always transact only through official Pag-IBIG channels — AyTool is independent and cannot access your Pag-IBIG records.

Official Source

Based on HDMF Circular No. 460 — Maximum Fund Salary ₱10,000 (Feb 2024), unchanged for 2026, last verified August 19, 2026 against the official circular: HDMF Circular No. 460 (pagibigfund.gov.ph).

Frequently Asked Questions

How much is the Pag-IBIG contribution in 2026?

In 2026, employees contribute 2% of their monthly fund salary (1% if earning ₱1,500 or below) and employers add another 2%. The fund salary is capped at ₱10,000, so the maximum mandatory contribution is ₱200 from the employee plus ₱200 from the employer — ₱400 total per month.

How do I compute my Pag-IBIG contribution?

Take your monthly compensation up to the ₱10,000 ceiling, then multiply by 2% (or 1% if you earn ₱1,500 or below). Example: ₱8,000 salary → ₱160 employee share + ₱160 employer share. Any salary of ₱10,000 or more → ₱200 + ₱200.

Why is my Pag-IBIG deduction ₱200 even though I earn more than ₱10,000?

Because contributions are computed on a Maximum Fund Salary of ₱10,000 (HDMF Circular No. 460, effective February 2024). Whatever your actual salary, the mandatory employee share tops out at 2% × ₱10,000 = ₱200. You can voluntarily save more through upgraded savings or MP2.

Can I contribute more than the mandatory amount?

Yes. You may increase your monthly savings voluntarily, and the MP2 program accepts additional savings of at least ₱500 per remittance with its own dividend rate. The employer is only required to match up to the mandatory 2% of the ₱10,000 fund salary.

Do self-employed and OFW members pay Pag-IBIG?

Yes — Pag-IBIG membership is mandatory for virtually all Filipino workers, including self-employed earners and OFWs. Self-employed members shoulder the contribution themselves (commonly both the 2% member and 2% employer counterpart, i.e. up to ₱400). Payments go through Virtual Pag-IBIG and accredited partners.

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