Pag-IBIG Contribution Calculator 2026
Calculate your exact HDMF monthly contribution instantly. Updated with the latest 2026 rates for Employees, OFWs, Self-Employed, and Kasambahay. Free, accurate, and completely private.
Calculate Your Monthly Contribution
Select your member type and input your monthly salary to see your required contribution based on the 2026 HDMF rates.
Your Contribution Breakdown
How It Works
Computing your Pag-IBIG contribution is straightforward. Follow these three simple steps to find out your exact monthly deduction.
Step 1: Choose Member Type
Select whether you are a regular employee, self-employed individual, OFW, kasambahay, or voluntary member.
Step 2: Enter Monthly Salary
Input your basic monthly salary. Our system handles the maximum compensation cap limits automatically.
Step 3: Get Instant Results
See your employee share, employer counterpart, and total monthly remittance immediately without page reloads.
Contribution Rates Table 2026
Official Pag-IBIG Fund (HDMF) contribution rates updated for the year 2026.
| Member Type | Salary Range | Employee Share | Employer Share |
|---|---|---|---|
| Employee | ₱1,000 - ₱1,500 | 1% | 2% |
| Employee | Above ₱1,500 | 2% | 2% |
| Self-Employed | Any amount | 2% (min ₱100) | N/A |
| OFW | Any amount | 2% (min ₱200) | N/A |
| Kasambahay | Below ₱5,000 | Employer pays | 2% |
| Kasambahay | ₱5,000+ | 2% | 2% |
Note: The maximum monthly compensation used for computation is capped at ₱5,000. Members may opt to contribute more than the required amount.
Why Use Our Calculator?
Accurate Calculation
Updated with the latest 2026 HDMF rates so you never have to guess your exact contribution.
Mobile Friendly
Designed to work perfectly on your phone, tablet, or desktop computer seamlessly.
Instant Results
Experience real-time calculations directly on the page. No waiting, no registration required.
All Member Types
Handles rules for regular employees, OFWs, self-employed, kasambahay, and voluntary members.
Download Results
Export your computation as a clean PDF for your records or to show to your HR department.
Privacy First
Your salary data never leaves your browser. We don't store your personal financial information.
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Coming SoonPag-IBIG Contribution Calculator 2026 — Calculate Your HDMF Monthly Contribution Free
Every month, millions of Filipino workers see a Pag-IBIG deduction on their payslip. But do you actually know if the amount is correct? Often, we just trust the system and never verify the math. The truth is, mistakes happen. Knowing exactly what you should pay secures your hard-earned money and maximizes your benefits when you need a housing loan later.
Here's the problem. Navigating government tables and finding the exact computation formula isn't exactly fun. We built this Pag-IBIG contribution calculator specifically to solve that headache. Whether you're an employee, self-employed, an OFW, or a kasambahay, you can get your correct 2026 Home Development Mutual Fund (HDMF) monthly contribution in under five seconds.
You don't need an account. We don't ask for your personal details. Just choose your member type, adjust the slider to your monthly salary, and you'll see your employee share and your employer's counterpart right away.
Quick Answer: For 2026, regular employees earning above ₱1,500 monthly must contribute 2% of their salary, matched by a 2% employer share. However, because the computation base is capped at ₱5,000, the maximum mandatory monthly deduction is exactly ₱100 for you and ₱100 for your employer, totaling ₱200.
Key Takeaways for 2026
- The maximum compensation base used for computation is capped at ₱5,000.
- Your maximum mandatory deduction is ₱100 monthly (unless you voluntarily upgrade).
- Your employer also pays a maximum of ₱100 as their counterpart.
- Self-employed members and OFWs handle their full contributions directly.
- You can increase your contributions voluntarily to secure bigger housing loans.
What Is Pag-IBIG Fund and Why Do You Need to Contribute?
You might be wondering where your money actually goes. The Pag-IBIG Fund, officially known as the Home Development Mutual Fund (HDMF), serves as the Philippine government's national savings program. It's designed specifically to provide affordable shelter financing for ordinary Filipinos.
The Purpose Behind Your Monthly Deduction
Think of your contribution as a forced savings account. You don't lose that money. Instead, it accumulates interest over time acting as your personal savings fund. The government pools your money along with millions of other members to finance the massive housing loans of the nation.
Because the fund is gigantic, they can offer interest rates much lower than commercial banks. When you eventually choose to buy a house, you benefit directly from the ecosystem you helped fund.
What Benefits Do You Get from Contributing?
First, you gain access to the cheapest housing loans available in the Philippines. You can borrow up to ₱6,000,000 to buy a lot, buy a house, or renovate your current home. They stretch the payment terms up to 30 years so your monthly amortization stays low.
Second, you can access short-term cash loans. If you experience unexpected emergencies, the Multi-Purpose Loan (MPL) lets you borrow up to 80% of your total accumulated savings. They process it fast, and the interest rate beats loan sharks any day.
Finally, you get dividends. Your mandatory savings earn annual dividends tax-free. They historically credit higher rates than regular bank savings accounts, making it a decent place to park your mandatory funds.
Is Pag-IBIG Contribution Mandatory?
Yes, it's absolutely mandatory by law. If you earn at least ₱1,000 a month as an employee, your employer must deduct this from your pay and remit it to the HDMF. Self-employed professionals earning at least ₱1,000 monthly must also register and pay.
But here's what matters. Even though it's forced, the benefits heavily outweigh the tiny ₱100 monthly deduction. You're building a solid financial safety net for your future home and emergencies.
Pag-IBIG Contribution Rates 2026 — Complete Breakdown
The rules change occasionally, but the 2026 structure remains straightforward. The agency segments members by their employment type and income bracket. Let's look at exactly how much you should be paying this year.
Contribution Rate for Regular Employees
If you earn ₱1,500 or below, you pay 1% of your salary, while your employer handles 2%. Frankly, this bracket rarely applies today because of minimum wage laws.
If you earn more than ₱1,500, both you and your employer pay 2%. Because there is a ₱5,000 salary cap, anyone earning ₱5,000 or ₱100,000 pays exactly the same mandatory amount: ₱100 from you, ₱100 from your employer.
Self-Employed and Voluntary Members
Self-employed professionals, freelancers, and entrepreneurs don't have an employer counterpart. You shoulder the entire responsibility. You calculate 2% of your monthly income.
Again, the ₱5,000 cap applies. If you earn ₱50,000 from freelancing, your mandatory contribution is only ₱100. However, many freelancers choose to upgrade their contributions voluntarily to build better loan eligibility faster.
OFW Contribution Requirements
Overseas Filipino Workers follow slightly different guidelines. If your foreign employer doesn't have an agreement with Pag-IBIG, you shoulder the standard 2%. The minimum contribution for OFWs is universally accepted at ₱200 roughly, to ensure you build sufficient savings rapidly.
Pag-IBIG makes it easy for you to remit money through international tie-ups and remittance centers globally.
Kasambahay (Household Helper) Rules
The Kasambahay Law protects our domestic helpers. If you hire a kasambahay and pay them less than ₱5,000 monthly, you (the employer) must shoulder their entire Pag-IBIG contribution. You pay ₱100 minimum.
If you pay them ₱5,000 or higher, the standard 2% split applies. You deduct ₱100 from them, and you add your ₱100 counterpart.
How to Use the Pag-IBIG Contribution Calculator
We designed our tool specifically to eliminate the guesswork. You don't need a spreadsheet or a calculator app. Keep your payslip handy and follow these steps.
Step-by-Step Guide
First, pick your member category from the tabs above. Your choice directly alters the underlying math. Second, use the slider or type your exact gross monthly income into the box.
Instantly, the results update below. You'll see the exact amount your HR team should deduct, how much they add as a benefit, and the grand total sent to your Pag-IBIG account quarterly.
Understanding Your Results
Your "Employee Share" is the money taken from your actual paycheck. You'll see this precise number on your monthly payslip. The "Employer Share" is essentially free money. Your company is legally obligated to match your payment.
The "Total Remittance" represents the exact cash added to your government savings account every single month.
What the Numbers Mean for Your Future
Don't ignore that small ₱200 total. Every single contribution adds up. When you apply for a housing loan, Pag-IBIG checks your total accumulated value (TAV). A higher TAV sometimes qualifies you for better loan terms.
If you plan to buy a ₱2,000,000 house, you need a certain number of continuous contributions. Seeing these numbers helps you plan your financial timeline correctly.
How Is Pag-IBIG Contribution Computed? (The Formula)
Let's pull back the curtain. The math is incredibly simple once you understand the compensation cap rule. Many Filipinos get confused because they multiply 2% against their entire salary.
The Basic Formula Explained Simply
The government sets a "Maximum Monthly Compensation" index at ₱5,000. You compare your actual salary to this cap. You take the lower number between the two. That number becomes your computation base.
Formula: Base x 0.02 = Your Share. If your base is always ₱5,000, then ₱5,000 x 0.02 always equals ₱100.
Salary Bracket Examples
Suppose you earn a basic salary of ₱15,000. Since ₱15,000 exceeds the ₱5,000 cap, you use ₱5,000 as your base. ₱5,000 x 2% = ₱100. Your deduction is ₱100.
Now, what if you earn an executive salary of ₱150,000? It doesn't matter. The cap remains ₱5,000. Your deduction is still exactly ₱100. It truly levels the playing field.
Why the ₱5,000 Salary Cap Matters
Why does the government limit it? If they calculated 2% on a ₱100,000 salary, the deduction would be a painful ₱2,000 monthly. The program aims to encourage savings without crippling your monthly budget.
However, if you want to save more, you can always upgrade your contribution manually. You just notify your HR department to deduct ₱500 or ₱1000 instead of the standard ₱100.
Pag-IBIG Contribution for OFWs — What You Need to Know
Our modern heroes face different challenges. You're working far from home, but you still want to secure a house for your family back in the Philippines. Pag-IBIG maintains a robust system just for you.
Voluntary vs Mandatory OFW Contribution
Under the POEA regulations, paying your Pag-IBIG is mandatory before your deployment. You process this alongside your standard OEC requirements. You usually pay the contribution upfront or commit to a payment schedule.
Once abroad, maintaining the contribution becomes slightly more voluntary in practice, though technically mandated. You heavily benefit from maintaining your active status, especially when aiming for a property purchase.
How to Pay from Abroad
You have dozens of options. You can pay via virtual banking apps, international credit cards on the Virtual Pag-IBIG website, or through accredited remittance partners like I-Remit or PNB Overseas branches.
It's faster than ever. You no longer need your relatives to queue up in physical branches in Manila just to update your account.
OFW Benefits and Why It's Worth Contributing
Besides the primary housing loan, you gain peace of mind. You can apply for a loan completely online while working abroad. When you finish your contract and return home, you have an asset waiting for you, rather than just remittances spent completely by your family.
What Happens If You Stop Paying Pag-IBIG?
Life happens. You might lose your job, switch careers to freelancing, or move abroad. A gap in your contributions regularly occurs. You shouldn't panic, but you must understand the consequences.
Consequences for Employees
If your employer fails to remit your deducted contributions, they face severe legal penalties. That's their legal problem, not yours. However, if you leave your job and stop paying entirely, your account goes dormant.
You lose the ability to apply for new loans. You must produce at least 24 months of contributions to qualify for a housing loan. If you stop, you break that momentum.
Consequences for Self-Employed Members
Freelancers frequently forget to pay manually. When you miss payments, Pag-IBIG doesn't hunt you down or charge you massive compounding penalties for non-payment of mandatory savings. You simply lose the active member status.
If you suffer an emergency and need a Multi-Purpose Loan, they will reject your application instantly. You essentially lose your safety net.
Can You Resume Contributions After Stopping?
Absolutely. You just pay the current month going forward. You cannot pay backward for months you missed as a voluntary member. You just pick up where you left off.
To reactivate, you simply log into your Virtual Pag-IBIG, generate a Payment Reference Number (PRN), and pay via GCash, Maya, or any authorized bank.
How to Check Your Pag-IBIG Contribution Balance
Before you calculate future payments, you should probably verify your past payments. It's incredibly satisfying to see your total savings grow year after year.
Online via Virtual Pag-IBIG
Create a Virtual Pag-IBIG account immediately if you haven't. It's the best government portal we have. Once verified, you can see every single monthly remittance made by your employers throughout your entirely career.
Via SMS
If you don't have internet access, you can text them. You send an SMS following their strict format, and they reply with your total accumulated value and last posted contribution.
In Person at Pag-IBIG Branches
You can always walk into any branch, grab a queue number, and request a printed statement of your account. Ensure you bring your Pag-IBIG Loyalty Card Plus or two valid IDs for quick verification.
Pag-IBIG Housing Loan — How Your Contributions Help
This represents the ultimate goal for most Filipinos. You pay your ₱100 monthly primarily to access the housing loan facility. The rules dictate exactly how your contributions dictate your borrowing power.
Minimum Contributions Needed to Apply
You must have exactly 24 monthly savings under your belt. If you just got hired today, you must wait two years before applying. However, if you have the cash, you can pay the 24 months in lump sum right now to qualify instantly.
How Contribution Amount Affects Loan Amount
If you want to borrow ₱6,000,000, paying the basic ₱100 per month won't cut it. Pag-IBIG requires you to upgrade your monthly contribution based on the loan tier you want.
Higher loan amounts demand higher monthly contributions. Our calculator helps you establish your baseline, but you must consult the agency for exact upgraded tiers for maximum loan amounts.
How to Apply for a Pag-IBIG Housing Loan
You prepare your income documents, find an eligible property, and submit the application online or offline. They conduct a background check, appraise the property, and release the funds directly to the seller or developer.
Frequently Asked Questions About Pag-IBIG Contributions
In 2026, regular employees contribute 2% of their basic monthly salary. Because the government caps the maximum computation base precisely at ₱5,000, your highest mandatory deduction only reaches ₱100 per month. Your employer matches this exact amount with another ₱100, bringing your total monthly remittance to ₱200. Self-employed individuals also follow the ₱5,000 cap, meaning they pay ₱100 monthly without an employer match.
If you earn ₱1,500 or below, your employee contribution rate is 1% while your employer pays 2%. If you earn anything above ₱1,500, your employee contribution rate hits 2% and your employer matches it at 2%. Practically speaking, almost all regular employees fall into the 2% bracket today because of standard minimum wage laws across the country.
You take your basic monthly salary and compare it to the ₱5,000 maximum cap. You use the smaller number as your computation base. You simply multiply that base by 0.02 (which is 2%). For example, if you earn ₱25,000, since it exceeds ₱5,000, you use ₱5,000 as the base. ₱5,000 x 0.02 = ₱100. That is your exact monthly contribution.
The maximum mandatory contribution is ₱100 for the employee and ₱100 for the employer. However, there is no strict upper limit if you choose to pay voluntarily. You can instruct your HR department to deduct ₱1,000, ₱5,000, or even ₱10,000 monthly if you want to aggressively build your savings and increase your future housing loan eligibility quickly.
Yes, you absolutely can. Many financial advisors highly recommend upgrading your contributions. You earn higher tax-free annual dividends compared to standard banks. Furthermore, a higher monthly savings amount dramatically increases the maximum amount you can borrow when you finally apply for a housing loan. You just need to secure an authorization form for your employer's payroll team.
Yes, your mandatory Home Development Mutual Fund contributions are completely excluded from your gross income computation for tax purposes. You don't pay income tax on the amount deducted for Pag-IBIG, SSS, and PhilHealth. This legal tax shield ensures you save money while fulfilling your civic duties at the same time.
If your household helper earns less than ₱5,000 per month, the employer shoulders the full contribution of ₱100. The kasambahay pays nothing. However, if the kasambahay earns exactly ₱5,000 or more, the standard sharing rule activates. You deduct 2% from their salary (which equals ₱100) and you add your 2% employer counterpart (another ₱100).
Overseas Filipino Workers enjoy excellent convenience today. You don't have to visit an embassy. You can log into your Virtual Pag-IBIG account and pay using a Visa, Mastercard, or JCB credit card. Alternatively, you can use authorized remittance centers worldwide like I-Remit, Ventaja, PNB, or AUB. The payment posts to your account securely within a few days.
It's a serious criminal offense for employers to deduct money from your payslip and fail to remit it. If you check your Virtual Pag-IBIG and see missing months, confront your HR immediately. If they refuse to fix it, you can file a formal complaint directly with the HDMF or the Department of Labor and Employment (DOLE). They will penalize the company heavily.
You should register for a Virtual Pag-IBIG account immediately. It's the official online portal. Head to their website, verify your identity using a valid ID, and create your login credentials. Once inside, you navigate to the "Regular Savings" tab. You'll instantly see every single contribution posted by your employers dating back to your very first job.
You need exactly twenty-four (24) monthly contributions to qualify for a regular housing loan or a multi-purpose loan. If you haven't reached 24 months yet but desperately need the loan, you have a shortcut. You can pay the remaining months in a single lump sum payment to instantly meet the strict 24-month eligibility requirement.
Pag-IBIG 1 represents your mandatory regular savings deducted from your payslip. It's required by law. MP2 (Modified Pag-IBIG II) acts as a purely voluntary, supplementary savings program. MP2 offers much higher dividend rates but locks your money away for an exact 5-year maturity period. Smart investors utilize MP2 heavily to rapidly grow their money completely tax-free.
You cannot withdraw your regular savings anytime you want like an ATM. You can only withdraw the entire accumulated value upon specific conditions: reaching the retirement age of 60 (optional) or 65 (mandatory), total permanent disability, permanent departure from the Philippines, or upon death of the member. You treat it strictly as a long-term retirement fund.
Freelancers, business owners, and professionals must shoulder the entire burden themselves since they don't have an employer counterpart. You calculate 2% of your monthly income up to the ₱5,000 cap. Therefore, the minimum mandatory contribution you must pay sits exactly at ₱100 per month. You can pay this monthly, quarterly, or annually via mobile wallets.
Employers face strict penalties for late remittances, usually charged a daily penalty fee on top of the unpaid amount. However, if you are a voluntary member, self-employed, or OFW paying for yourself, you don't incur financial penalties for missing a month. You simply cannot claim you made a contribution for that missing month, delaying your loan qualifications.
Final Thoughts — Make Every Contribution Count
You now hold the power to verify your payslip instantly. We built this Pag-IBIG Calculator to remove the math and confusion from your financial life. Every ₱100 you save represents a step closer to your dream house and a secure retirement. Don't let your contributions slip unnoticed. By tracking your monthly payments actively, you secure your peace of mind and maximize your government benefits when you finally need them most.
What Our Users Say
"As an OFW, I finally understand my Pag-IBIG obligations. This calculator saved me so much confusion! The layout is incredibly straightforward."
"Our HR team uses this daily to verify employee deductions. It perfectly handles the complex maximum compensation limit logic effortlessly. Fast and accurate!"
"Simple, fast, and always up to date with the 2026 rates. I downloaded the PDF result and cross-matched it with my payslip. Best Pag-IBIG resource I've found."