OFW Contribution Calculator

How the Calculation Works for OFWs

Our main calculator fully supports Overseas Filipino Workers. Because your employment structure does not usually involve an employer remitting counterpart funds locally to the Philippine government, the computational burden typically rests solely on you as a voluntary individual payer.

The Golden Rule for OFWs: The standard minimum mandate requires you to pay 2% of the standard ₱5,000 compensation cap directly. Therefore, the absolute minimum you should be remitting is ₱200 monthly (comprising the typical ₱100 employee share + the ₱100 employer counterpart that you absorb).

POEA and Pre-Departure Requirements

Under the joint directive of the Philippine Overseas Employment Administration (POEA) and the HDMF, remitting your Pag-IBIG contribution is strictly mandatory prior to the issuance of your Overseas Employment Certificate (OEC).

Before you are allowed to fly out to your host country, you are usually required to pay your contributions upfront at the POEA or through an affiliated recruitment agency. You can either pay monthly, quarterly, semi-annually, or even advance the entire year.

How to Remit Pag-IBIG Money from Abroad

You no longer need to rely on relatives lining up at physical branches in Manila. The fund has rigorously modernized its digital infrastructure specifically geared towards OFWs:

• Virtual Pag-IBIG: Log into your account online and pay directly using an international Visa, Mastercard, or JCB credit/debit card. It posts securely to your ledger within three business days.
• Philippine Banks Overseas: Walk into any PNB (Philippine National Bank), AUB, or Metrobank branch operating within your host country.
• Accredited Remittance Centers: Hand your money over to trusted facilities like I-Remit, Ventaja, CashSense, and local exchange houses deeply partnered with the Philippine government.

Why OFWs Should Aggressively Maintain Contributions

Working abroad is a temporary phase; returning home is the ultimate goal. The primary reason OFWs heavily fund their Pag-IBIG lies in the Housing Loan Program.

To qualify for a housing loan upon your return, or even while you are abroad (funding a property for your family left behind), you must exhibit 24 continuous months of contributions natively. Missing payments destroys that momentum. By actively sending ₱200 (or ideally upgrading it voluntarily to ₱1,000 to drastically increase your borrowing capacity), you secure your long-term real estate investments seamlessly without returning to the Philippines.