Pag-IBIG Contribution Calculator
See exactly what's deducted from your salary, and what your employer adds on top.
Employment type
Based on the standard Regular Savings contribution rule: 1%/2% (employee/employer) at or below ₱1,500 salary, 2%/2% above it, computed against a ₱10,000 Maximum Fund Salary ceiling (per HDMF Circular No. 460, effective February 2024). Government agency rules can vary — confirm with your HR/payroll office.
Employee Share
₱200
Employer Share
₱200
Total Monthly
₱400
What this calculates
This shows your exact Regular Savings deduction — employee share, employer share (if applicable), and the total — for a given salary and employment type, using the same bracket rule Pag-IBIG actually applies.
How to use it
- 1
Enter your monthly basic salary, or tap a quick-amount chip.
- 2
Pick your employment type — Private, Government, or Voluntary/Self-Employed.
- 3
Read the employee/employer split, plus the annual and 5-year running totals below it.
How the math works
The contribution rate depends on which side of a ₱1,500 salary threshold you fall on, applied against a capped Maximum Fund Salary rather than your real salary directly:
Basis = min(Salary, ₱10,000)
Employee Share = Basis × 1% (if salary ≤ ₱1,500) or 2% (if above)
Employer Share = Basis × 2%
Because the basis is capped at ₱10,000, the employee share tops out at ₱200 — a salary of ₱10,000 and a salary of ₱200,000 produce the exact same deduction.
What this assumes
- The standard bracket rule (1%/2% at or below ₱1,500, 2%/2% above) against the ₱10,000 MFS ceiling.
- Your basic salary is what determines the contribution — allowances and bonuses generally aren't part of the base for this computation.
What this doesn't check
- Agency-specific government payroll rules, which can vary from the standard private-sector computation.
- Whether your payslip actually matches this — if it doesn't, that's worth raising with HR/payroll directly, not assuming this calculator or your payslip is wrong.
Want the full picture?
Your Regular Savings contribution is capped at ₱200 — MP2 is where uncapped, higher-dividend saving actually happens.
Frequently asked
Why is my Pag-IBIG deduction capped at ₱200?
The employee and employer share are each computed against a Maximum Fund Salary (MFS) that's capped at ₱10,000 — so once your actual salary reaches ₱10,000, the 2% rate applied to that ₱10,000 ceiling works out to ₱200, and it doesn't grow further even if your salary does. This ceiling was ₱5,000 (a ₱100 cap) until HDMF Circular No. 460 doubled it in February 2024.
Is the employer share really mine?
Yes — the employer share is credited to your Total Accumulated Value (TAV) alongside your own contribution and earns the same annual dividend. It's money you're entitled to, not the employer's.
What if I want to save more than ₱200 a month?
The Regular Savings contribution itself is capped, but MP2 (Modified Pag-IBIG 2) is a separate, uncapped voluntary savings program with historically higher dividend rates — see the MP2 Savings Calculator.
Do voluntary or self-employed members pay differently?
Yes — without an employer, a voluntary member pays both the employee and employer share out of pocket, so the full amount comes from their own funds rather than being split.
Can OFWs contribute to Pag-IBIG?
Yes, OFWs can contribute as voluntary members, and are actually required to under RA 9679 for those with an existing employer-employee relationship before deployment.
What if my salary is exactly ₱1,500?
At exactly ₱1,500 the lower 1%/2% bracket still applies — the higher 2%/2% bracket kicks in only above that threshold, not at it. The difference at that exact salary is small in absolute terms, but the calculator applies the bracket boundary precisely.
What if I get a raise partway through the year?
Your contribution recalculates from whatever month the new salary takes effect — there's no annual lock-in. Run this calculator again with your new salary to see the updated deduction; nothing carries over from your prior contribution level.
What if I switch from employed to voluntary/self-employed?
Switch the Employment Type toggle above — the calculator immediately shows you covering both shares out of pocket instead of splitting with an employer, using the same salary and rate brackets.
Pag-IBIG Fund Guide is an independent, unofficial resource — not affiliated with, endorsed by, or connected to Pag-IBIG Fund or the Philippine government. Figures above are illustrative estimates based on the inputs you provide, not a guarantee or an official Pag-IBIG computation.