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Pag-IBIG Contribution Calculator in the Philippines

Use this Pag-IBIG contribution calculator to estimate your regular monthly savings contribution. In general, employees earning over PHP 1,500 contribute 2%, employers contribute 2%, and the current Maximum Fund Salary used for regular mandatory savings is PHP 10,000.

At a Glance

Employee rate
1% if compensation is at or below PHP 1,500; 2% if above
Employer rate
2%
Maximum Fund Salary
PHP 10,000
Maximum regular mandatory share
PHP 200 employee + PHP 200 employer = PHP 400 total
Last checked
April 11, 2026

Pag-IBIG Contribution Estimate

Regular Mandatory Savings

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Maximum Fund Salary of ₱10,000 is applied automatically for regular mandatory savings.

How Pag-IBIG Regular Savings Works

For regular mandatory savings, employees earning PHP 1,500 and below contribute 1%, while employees earning above PHP 1,500 contribute 2%. Employers contribute 2%.

The current Maximum Fund Salary for regular mandatory savings is PHP 10,000, so the maximum regular mandatory contribution is PHP 200 from the employee and PHP 200 from the employer.

Example Calculations

If compensation is PHP 1,500, the employee share is PHP 15 and the employer share is PHP 30.

If compensation is PHP 12,000, the cap applies, so the regular mandatory contribution is based on PHP 10,000 rather than the full PHP 12,000. That means PHP 200 from the employee and PHP 200 from the employer.

Want to save more than the mandatory amount?

Consider MP2 - Pag-IBIG's voluntary savings program that offers higher dividends. MP2 is separate from the regular mandatory contribution calculated here.

Frequently Asked Questions

How do you compute Pag-IBIG contribution?
Apply the correct employee rate based on compensation, apply the employer's 2% share, and cap the salary basis at the current Maximum Fund Salary for regular mandatory savings.
What is the maximum Pag-IBIG contribution?
With a PHP 10,000 Maximum Fund Salary, the maximum regular mandatory share is PHP 200 for the employee and PHP 200 for the employer.
Is MP2 part of the mandatory contribution?
No. MP2 is a separate voluntary savings program and should not be mixed with the regular mandatory monthly savings calculator.

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