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Pag-IBIG Contribution Calculator 2026 (HDMF)

Compute your monthly Pag-IBIG (HDMF) savings: 2% from you, 2% from your employer, ₱200 each at most — plus the effect of voluntary top-ups.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Pag-IBIG takes 2% of your monthly pay from you and 2% from your employer, counted on pay up to ₱10,000 — so ₱200 each at most. If you earn ₱1,500 or less, your share is 1%. You may add more as a voluntary top-up (it earns dividends and can raise how much you can borrow). MP2 is a separate savings program — see the MP2 calculator. Rules checked November 10, 2026. Pag-IBIG Fund has the final word — check your official record or payslip.

How to use it (step by step)

  1. 1Fill in the boxes: “Monthly pay”, “Voluntary extra per month (optional)”, “Show total saved after how many years”. Example numbers are already there so you can see how it works; replace them with yours.
  2. 2The result updates instantly as you type (on a phone it is below the boxes).
  3. 3The bold line is the main answer. Tap Copy next to any value to copy it.

Words to know

SSS, PhilHealth, Pag-IBIG
Philippine government contributions taken from salary for social security, health insurance and housing savings.

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