Pag-IBIG Contribution Calculator 2025
Enter your monthly salary to compute your Pag-IBIG/HDMF contribution. The calculator applies the correct employee rate tier (1% or 2%) and the ₱10,000 ceiling.
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TalinoHR handles Pag-IBIG rate tiers, ceiling caps, and semi-monthly splits automatically for every employee.
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| Monthly Salary | EE Rate | ER Rate | EE Share | ER Share | Total |
|---|---|---|---|---|---|
| ₱1,000 | 1% | 2% | ₱10.00 | ₱20.00 | ₱30.00 |
| ₱1,500 | 1% | 2% | ₱15.00 | ₱30.00 | ₱45.00 |
| ₱5,000 | 2% | 2% | ₱100.00 | ₱100.00 | ₱200.00 |
| ₱10,000 | 2% | 2% | ₱200.00 | ₱200.00 | ₱400.00 |
| ₱15,000 | 2% | 2% | ₱200.00 | ₱200.00 | ₱400.00 |
| ₱25,000 | 2% | 2% | ₱200.00 | ₱200.00 | ₱400.00 |
| ₱50,000 | 2% | 2% | ₱200.00 | ₱200.00 | ₱400.00 |
Frequently Asked Questions
- What are the Pag-IBIG contribution rates?
- For salaries ₱1,500 and below, the employee rate is 1% and employer rate is 2%. For salaries above ₱1,500, both rates are 2%. The maximum salary base is capped at ₱10,000.
- What is the Pag-IBIG contribution ceiling?
- The monthly compensation ceiling is ₱10,000. Regardless of how high your salary is, Pag-IBIG contributions are computed on a maximum base of ₱10,000.
- What is the maximum Pag-IBIG contribution?
- The maximum monthly contribution is ₱400 (employee ₱200 + employer ₱200), computed as 2% of the ₱10,000 ceiling for both parties.
- What is Pag-IBIG MP2?
- MP2 (Modified Pag-IBIG 2) is a voluntary savings program offering higher dividends than regular Pag-IBIG savings. Members can save up to ₱10,000 per month on top of mandatory contributions.
Read our full guide: Pag-IBIG Contribution Guide 2026 →