Pag-IBIG Contribution Calculator
Updated November 2026 · Free · No sign-up
Calculate Pag-IBIG contributions — the HDMF savings: 2% employee + 2% employer on a maximum fund salary of ₱10,000 (= ₱200 each, ₱400 total) since the 2024 doubling, plus the MP2 voluntary program’s dividend engine.
Quick answer: Pag-IBIG: employee 2% (1% if earning ≤₱1,500) + employer 2%, computed on a fund salary capped at ₱10,000 → ₱200 + ₱200 = ₱400/month standard. Savings earn annual dividends (~6-7% recent years), fully government-guaranteed — and unlock housing loans to ₱6M.
The Mandatory Program (P1)
| Rates | Employee 2% (1% for ≤₱1,500 earners) + employer 2% |
| Fund salary cap | ₱10,000 (doubled from ₱5,000 in Feb 2024) → max ₱200 + ₱200 |
| Dividends | Annual, tax-free, from HDMF’s net income — ~6.5-7% recent years; principal government-guaranteed |
| Maturity | 20 years of contributions / age 60-65 / other grounds — savings + dividends return as a lump sum |
| Upgradeable | Employees may voluntarily contribute above 2% (employer share stays at the cap) |
MP2 — The Program Worth Knowing
Modified Pag-IBIG 2: voluntary 5-year savings, minimum ₱500/remittance, dividends historically above the P1 rate (6-7%+), tax-free, government-guaranteed — the Philippines’ best boring investment. Rolls over or withdraws at each 5-year maturity; OFWs and even non-mandatory members can open accounts.
What Membership Unlocks
Housing loans to ₱6M (affordable-housing rates subsidized lower), multi-purpose loans (80% of savings), and calamity loans — eligibility at 24 contributions, loanable values scaling with your total accumulated value (TAV).
Worked Example
₱25,000 earner: mandatory ₱400/month total; adding ₱2,000 MP2 for 10 years at 6.5% compounds to ~₱340,000 — against zero-risk principal. The contribution stack: SSS + PhilHealth + Pag-IBIG before tax.
Frequently Asked Questions
How much is the Pag-IBIG contribution?
2% employee + 2% employer on fund salary capped at ₱10,000 — ₱200 each (₱400 total) for most employees since the 2024 cap doubling.
What is MP2?
The voluntary 5-year savings program — ₱500 minimum, tax-free dividends historically 6-7%+, government-guaranteed; open to members, OFWs, and retirees.
When can I withdraw Pag-IBIG savings?
At maturity: 20 years of contributions, or age 60-65, permanent departure, disability — savings plus compounded dividends pay out as a lump sum.
What loans does membership unlock?
Housing loans to ₱6M, multi-purpose loans (up to 80% of your TAV), and calamity loans — from 24 monthly contributions.
Can I contribute more than ₱200?
Yes — voluntary upgrades of the employee share are allowed anytime (and often wiser routed into MP2 for the higher dividend).
✓ Formula verified • Last updated: November 3, 2026