Pag-IBIG Contribution Calculator
Enter your monthly salary to see your Pag-IBIG (HDMF) contribution and the employer's matching share.
Compute your Pag-IBIG contribution
| Your share | |
|---|---|
| Employer share (2%) | |
| Total contribution |
Mandatory rate: employee 1% if monthly salary is ₱1,500 or below, otherwise 2%; employer 2%. The salary used is capped at ₱10,000, so each share maxes at ₱200. You may contribute more voluntarily.
📘 New to this? Read the full guide: Pag-IBIG contribution explained, or see the full 2026 contribution tables.
How the Pag-IBIG contribution is computed
Pag-IBIG is the simplest of the three mandatory contributions: a flat percentage, with one rate step and one cap. The mandatory contribution depends on your monthly salary:
- ₱1,500 and below — you pay 1%, your employer pays 2%.
- Above ₱1,500 — you pay 2%, your employer pays 2%.
The salary the percentages are applied to is called the Monthly Fund Salary, and it is capped at ₱10,000. That cap is the single most important thing to understand about Pag-IBIG: once you earn more than ₱10,000 a month, your mandatory contribution stops growing entirely and settles at ₱200 from you, matched by ₱200 from your employer for a total of ₱400 credited to your Pag-IBIG savings each month.
This is why almost everyone in formal employment sees the same ₱200 line on their payslip, whether they earn ₱15,000 or ₱150,000. In formula form:
- Monthly Fund Salary = the lower of your monthly salary and ₱10,000
- Your share = 1% or 2% of that fund salary, depending on the ₱1,500 line
- Employer share = 2% of the same fund salary, always
Worked example: ₱18,000 salary
A monthly salary of ₱18,000, stepped out:
- Step 1 — fund salary. ₱18,000 is above the ₱10,000 cap, so the fund salary used is ₱10,000, not your actual pay.
- Step 2 — your rate. Your salary is above ₱1,500, so your rate is 2%.
- Step 3 — your share. 2% × ₱10,000 = ₱200.
- Step 4 — employer share. 2% × ₱10,000 = ₱200, giving a total of ₱400 going into your Pag-IBIG account.
Worked example: ₱7,500 salary
Below the cap, the percentage actually bites. At ₱7,500 the fund salary is your full salary, so your share is 2% × ₱7,500 = ₱150, your employer adds ₱150, and ₱300 is credited in total. Every peso of a raise from here adds 2 centavos to your deduction — until your salary reaches ₱10,000, where the deduction freezes at ₱200.
Pag-IBIG contribution at common salaries
Each row is computed with the same logic as the calculator above.
| Monthly salary | Fund salary | Your rate | Your share | Employer share | Total |
|---|---|---|---|---|---|
| ₱1,000 | ₱1,000 | 1% | ₱10 | ₱20 | ₱30 |
| ₱1,500 | ₱1,500 | 1% | ₱15 | ₱30 | ₱45 |
| ₱1,600 | ₱1,600 | 2% | ₱32 | ₱32 | ₱64 |
| ₱2,000 | ₱2,000 | 2% | ₱40 | ₱40 | ₱80 |
| ₱5,000 | ₱5,000 | 2% | ₱100 | ₱100 | ₱200 |
| ₱7,500 | ₱7,500 | 2% | ₱150 | ₱150 | ₱300 |
| ₱8,000 | ₱8,000 | 2% | ₱160 | ₱160 | ₱320 |
| ₱10,000 | ₱10,000 | 2% | ₱200 | ₱200 | ₱400 |
| ₱15,000 (capped) | ₱10,000 | 2% | ₱200 | ₱200 | ₱400 |
| ₱30,000 (capped) | ₱10,000 | 2% | ₱200 | ₱200 | ₱400 |
| ₱50,000 (capped) | ₱10,000 | 2% | ₱200 | ₱200 | ₱400 |
Who this applies to
The employee/employer split above describes employed members: your share is withheld from your pay and your employer remits it together with its own matching share.
The rates and the split above describe the employed case, where an employer matches your share. If you pay your own contributions — self-employed, voluntary, or working overseas — confirm the amount that applies to you with Pag-IBIG, since this calculator models the employed split. What every member shares is the distinction between the mandatory amount computed here and any voluntary savings on top of it.
The most common way to save more is a separate Pag-IBIG MP2 account, which has a 5-year term and pays a tax-free dividend. Your regular contributions also build the membership record behind Pag-IBIG's housing programme — if that is the goal, model the repayment with the home loan calculator.
Edge cases the calculator handles
The ₱1,500 rate step. The employee rate doubles at that line, so the deduction does too: at exactly ₱1,500 you pay 1%, or ₱15; at ₱1,501 you pay 2%, or ₱30.02. One extra peso of salary roughly doubles your share. The employer rate is 2% on both sides, so the employer share moves smoothly across the line.
The ₱10,000 cap. Above it, the rate is applied to ₱10,000 rather than to your salary. ₱15,000, ₱30,000 and ₱50,000 salaries all produce the same ₱200, as the table shows. Note that the cap applies to the salary base, not to the contribution — it is what makes ₱200 the mandatory maximum.
Employee share versus employer share. Only your own share leaves your pay. The employer's 2% is a company cost paid on top of your salary, so the ₱400 that lands in your Pag-IBIG savings each month costs you ₱200. Both halves are credited to your account.
Common mistakes
- Applying 2% to your full salary. The most frequent error: 2% of a ₱30,000 salary is ₱600, but the correct mandatory figure is ₱200, because the base is capped at ₱10,000.
- Using the old ₱5,000 fund-salary cap. The cap has been ₱10,000 since February 2024, which doubled the mandatory contribution from ₱100 to ₱200. Tables published before that give half the right answer.
- Thinking the employer share is deducted from you. It is not; your payslip shows only your half of the total.
- Assuming ₱200 is a savings limit. It caps the mandatory contribution only. Voluntary contributions and MP2 are unaffected.
- Confusing basic salary with gross pay. Since almost every full-time salary is above the ₱10,000 cap anyway, this rarely changes the answer for Pag-IBIG — but it matters a great deal for PhilHealth, whose premium is based strictly on Monthly Basic Salary.
Frequently asked questions
What is the maximum Pag-IBIG contribution?
The maximum mandatory contribution is ₱200 a month
from you — 2% of the ₱10,000 fund-salary cap — matched by
₱200 from your employer, for ₱400 in total.
Why is my deduction only ₱200 when I earn much more?
Because the rate is applied to the Monthly Fund Salary, which is capped at
₱10,000. Above that salary the computation ignores the excess
entirely, so the mandatory share never rises past ₱200.
Does the employer share come out of my salary?
No. Only your own share is withheld. The employer's 2% is an additional cost
to the company, which is why the amount credited to your account is double
what you actually paid.
Why does the rate jump at ₱1,500?
That is the rate threshold: 1% at ₱1,500 and below, 2% above it.
A ₱1,500 salary means ₱15 from you; a
₱1,501 salary means ₱30.02. The employer
pays 2% either way.
Can I contribute more than ₱200 a month?
Yes. The mandatory figure is a floor on your savings, not a ceiling. Members
may contribute above it, and many open an
MP2 account instead, which pays a
tax-free dividend over a 5-year term.
Is Pag-IBIG deducted before income tax?
Yes. Like SSS and PhilHealth, your mandatory Pag-IBIG share is subtracted
from gross pay before withholding tax is computed — the
Take-Home Pay Calculator shows
the full sequence.
See your full net pay with the Take-Home Pay Calculator, or check your SSS and PhilHealth contributions. All three are listed side by side in the 2026 contribution tables.
Last updated: 2026-07-08.
Rates based on Pag-IBIG Fund
Circular No. 460
(effective February 2024).