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Free calculator · Pag-IBIG (HDMF)

Pag-IBIG Contribution Calculator 2026

Employee and employer Pag-IBIG contributions from the monthly fund salary, with the ₱10,000 maximum fund salary.

Fund salary used (max ₱10,000)-
Employee share-
Employer share-
Total-

How it is computed

Monthly fund salaryEmployeeEmployer
₱1,500 and below1%2%
Over ₱1,5002%2%
₱25,000 a monthmin(₱25,000, ₱10,000) × 2% = ₱200 employee + ₱200 employer
₱1,500 a month₱15 employee (1%) + ₱30 employer (2%)
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FAQ

Pag-IBIG contribution questions

How much is the Pag-IBIG contribution in 2026?

Employees pay 2% of their monthly fund salary (1% if it is ₱1,500 or less) and employers pay 2%, on a maximum fund salary of ₱10,000. So the most that is required is ₱200 from the employee and ₱200 from the employer (HDMF Circular No. 460, effective February 2024 and still current).

What is the maximum fund salary?

₱10,000 since February 2024 (it was ₱5,000 before).

What counts as fund salary?

Basic salary plus other allowances received in the month (HDMF Circular 460). Because of the ₱10,000 cap, most full-time employees simply pay ₱200.

Can I contribute more than ₱200?

Yes. Members may save more than the required amount; the extra is voluntary savings that also earns dividends.

How much do self-employed members pay?

Self-employed members pay both the employee and employer shares: up to ₱400 a month.

Sources

Every number on this page comes from these official documents, checked on September 23, 2026.

For estimation only. This calculator is not legal, tax or accounting advice. Verify with your accountant and with the agency (SSS, PhilHealth, Pag-IBIG, BIR, DOLE) before you pay or file. Rates change; if you spot an outdated figure, tell us through our Gumroad page.