Pag-IBIG Contribution Calculator Philippines (2024–2025)
This calculator estimates your monthly Pag-IBIG (HDMF) contribution. It applies the tiered employee rate to your monthly compensation (capped at the maximum) and adds the employer share.
- Instant results
- Free, no sign-up
- Localized for the Philippines
Enter your details
Your monthly contribution (employee share)
₱200.00
- Employer share
- ₱200.00
- Total monthly contribution
- ₱400.00
Updates instantly as you type.
How it works
Employee contribution = min(salary, cap) × employee rate; Employer contribution = min(salary, cap) × employer rate
- Cap your monthly compensation at the maximum used for Pag-IBIG.
- Pick the employee rate: the lower rate at or below the threshold, the higher rate above it.
- Multiply the capped compensation by each rate to get the employee and employer shares.
Rates effective: 2024-02-01
Examples
Salary PHP 1,500 (lower rate)
- Monthly salary:
- ₱1,500.00
Your monthly contribution (employee share)₱15.00- Employer share:
- ₱30.00
- Total monthly contribution:
- ₱45.00
- Employee rate applied:
- 1%
- Contribution base (after the cap):
- ₱1,500.00
Salary PHP 5,000
- Monthly salary:
- ₱5,000.00
Your monthly contribution (employee share)₱100.00- Employer share:
- ₱100.00
- Total monthly contribution:
- ₱200.00
- Employee rate applied:
- 2%
- Contribution base (after the cap):
- ₱5,000.00
Salary PHP 30,000 (above the cap)
- Monthly salary:
- ₱30,000.00
Your monthly contribution (employee share)₱200.00- Employer share:
- ₱200.00
- Total monthly contribution:
- ₱400.00
- Employee rate applied:
- 2%
- Contribution base (after the cap):
- ₱10,000.00
Frequently asked questions
What is the maximum Pag-IBIG contribution?
The mandatory contribution is based on compensation up to the current cap, so the employee and employer shares each stop increasing once your salary reaches that cap.
Why is my rate 1% instead of 2%?
The lower employee rate applies to monthly compensation at or below the rate threshold; above it, the higher rate applies. The employer rate is the same regardless.
Can I contribute more than the mandatory amount?
Yes. Members may pay more than the mandatory contribution voluntarily. This calculator shows the mandatory amount only.
Is this exact?
It is an estimate based on the current schedule. Verify against the latest HDMF circular, especially after any change to rates or the compensation cap.
How is Pag-IBIG Contribution Calculator Philippines (2024–2025) calculated?
Employee contribution = min(salary, cap) × employee rate; Employer contribution = min(salary, cap) × employer rate
Where does the data come from?
Figures are based on official sources: Pag-IBIG Fund (HDMF), Republic Act No. 9679 (HDMF Law of 2009).
Official references
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