pag-ibig-contribution-calculator

R, Ricky •
Pag-IBIG Contribution Calculator 2026 | Monthly HDMF Deduction Table

💳 Pag-IBIG Contribution Calculator

Know exactly how much is deducted from your salary — employee + employer share breakdown

Updated 2026 HDMF Contribution Table
🧾

Reading Your Payslip Just Got Easier

That "HDMF" or "Pag-IBIG" deduction on your payslip? It's not a penalty — it's your savings. See exactly how much you and your employer contribute, and what bracket you fall into.

📋 Your Details
₱30,000
Drag to quickly see different salary brackets
📊 Quick Reference
Below ₱1,500 1% each (Employee + Employer)
₱1,500 – ₱4,999 ₱100 each (fixed)
₱5,000 and above 2% each (max ₱100)
Note: For private employees, the maximum contribution is capped at ₱100 each (total ₱200). Government employees may have different rules.
💡 Pro Tip: Even though your contribution is capped at ₱100, your Total Accumulated Value (TAV) still earns dividends. The more you contribute (via MP2), the higher your potential returns.
📊 Your Contribution Breakdown
Employee Share
₱0
2% of salary
Employer Share
₱0
2% of salary
Total Monthly
₱0
4% of salary
🔍 Detailed Breakdown

📈 Your Monthly Salary

Basic Monthly Salary ₱0
Salary Bracket —
Employment Type Private

💰 Contribution Summary

Employee Contribution ₱0
Employer Contribution ₱0
Total Monthly ₱0
Annual Total ₱0
5-Year Total ₱0

📋 Complete 2026 Pag-IBIG Contribution Table

Monthly Salary Range Employee Share Employer Share Total Monthly Rate Applied

✅ Where Does Your Money Go?

  • Goes to your Total Accumulated Value (TAV) ✓
  • Earns annual dividends ✓
  • Can be withdrawn after 20 years ✓
  • Can be withdrawn at age 60/65 ✓
  • Can be used for MPL loan ✓
  • Can be used for housing loan ✓
  • Employer share is FREE money ✓
  • Can be claimed upon retirement ✓

📋 Common Questions

  • Can I increase my contribution? Via MP2
  • Is the employer share mine? Yes, part of TAV
  • What if I resign? Savings stay
  • Can I check my balance? Virtual Pag-IBIG
  • What is TAV? Total savings
  • When can I withdraw? 20 yrs / 60-65
  • Is there a maximum? ₱100 each
  • Can OFWs contribute? Yes, voluntary

🚀 Want to Save More Than ₱100/Month?

Your regular Pag-IBIG contribution is capped at ₱100. But with MP2, you can save ₱500, ₱5,000, or even ₱50,000 per month — with higher dividends. See how much you could earn.

Try MP2 Calculator → Official Pag-IBIG Site
⚠️ Disclaimer This calculator is based on the 2026 Pag-IBIG Fund contribution table as published on the official website. Rates and rules may change. For the most accurate and up-to-date information, please visit www.pagibigfund.gov.ph. Government employee contributions may differ based on specific agency rules. This is an independent educational tool not affiliated with Pag-IBIG Fund or HDMF.

Comments

Post a Comment