Work out your monthly Pag-IBIG (Home Development Mutual Fund, HDMF) contribution in the Philippines: 2% from you and 2% from your employer, calculated on up to ₱10,000 of monthly compensation — so the most you ever pay is ₱200 a month. You can also add a Modified Pag-IBIG II (MP2) voluntary savings projection to see what your extra savings could grow to. Everything runs in your browser; nothing is uploaded.
Your monthly pay. Only the first ₱10,000 is used for the mandatory contribution (HDMF Circular No. 460, February 2024).
MP2 is a separate 5-year savings programme on top of your regular contribution. The minimum is ₱500 a month. Enter 0 to skip the projection.
Pag-IBIG declares the MP2 dividend every year — recent years have been around 6–7%. Change the rate to match the latest declared dividend.
Monthly compensation of ₱1,500 or less: you pay 1%, your employer pays 2%. Above ₱1,500: you pay 2% and your employer pays 2%. The contribution base is capped at ₱10,000 (HDMF Circular No. 460, February 2024, which doubled the old ₱5,000 cap) — so the maximum mandatory contribution is ₱200 from you + ₱200 from your employer = ₱400 a month. Self-employed and voluntary members pay their own share (1% or 2%) with no employer counterpart. Your contributions earn annual dividends and build your Pag-IBIG savings, which you can use for a housing loan or a multi-purpose loan, and withdraw when you retire, leave the country permanently, or reach 20 years of membership. MP2 (Modified Pag-IBIG II) is a voluntary 5-year savings account on top of the regular contribution, with a minimum of ₱500 a month and dividends declared each year.
₱200. The mandatory contribution is calculated on a maximum monthly compensation of ₱10,000 (raised from ₱5,000 by HDMF Circular No. 460 in February 2024). At 2%, that is ₱200 from you and ₱200 from your employer. You can always save more voluntarily through MP2.
You pay 1% of your monthly compensation, while your employer still pays 2%. For example, on ₱1,500 you pay ₱15 and your employer pays ₱30, for a total of ₱45 a month.
MP2 (Modified Pag-IBIG II) is a voluntary 5-year savings programme for Pag-IBIG members, with a minimum of ₱500 a month and dividends declared every year — recent years have been around 6–7%, higher than a bank savings account. You can open an MP2 account even if you already have a regular Pag-IBIG membership, and you can renew it for another 5 years when it matures.
Disclaimer: This is an estimate based on the Home Development Mutual Fund Law of 2009 (RA 9679) and HDMF Circular No. 460 (February 2024), which raised the maximum fund salary to ₱10,000. The MP2 projection is an illustration at the dividend rate you enter — the actual dividend is declared by Pag-IBIG each year and may be higher or lower. Always confirm the final figures with your employer or pagibigfund.gov.ph. This tool is not affiliated with Pag-IBIG Fund and is not financial advice.