Pag-IBIG Contribution Calculator 2026

How your Pag-IBIG contribution is worked out

Your employee share is 1% of salary if you earn ₱1,500 or below, and 2% if you earn more than that — capped at ₱200 a month. Your employer always contributes a flat 2%, also capped at ₱200. Both shares land in your Pag-IBIG Regular Savings (MP1), which earns dividends and which you can withdraw at maturity or when you retire.

This is separate from MP2, the voluntary savings program with its own higher dividend rate — MP1 is the mandatory contribution everyone with a Pag-IBIG membership pays automatically through payroll.

Quick Answers to Common Questions

Can I contribute more than the mandatory amount?▼

Yes — that's what MP2 is for. It's a separate, voluntary 5-year savings program with a typically higher dividend rate than MP1. See our MP2 Savings Estimator to project those returns.

When can I withdraw my Pag-IBIG savings?▼

Standard MP1 savings mature after 20 years of continuous contribution, but you can claim them earlier upon retirement, permanent departure from the country, disability, or other qualifying separation events defined by the Pag-IBIG Fund.