The computation on Pag-IBIG monthly contribution is pretty straightforward, but with this Pag-IBIG Contribution Calculator, it's even simplier to compute it.
How to Use the PAG-IBIG Contribution Calculator
As a member of PAG-IBIG, this PAG-IBIG Contribution Calculator will help conveniently compute your monthly contribution.
You do not have to worry about calculating the contribution manually since a quick calculator is here to help you out. Here's a step by step guide to its usage:
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The first thing you have to do is choose a type of membership. On the
Membershipselect input, choose one among five (5) membership types - Employed, Self-Employed, Household Employer and Kasambahay, Land-Based OFW, Voluntary and Non-Working Spouse. - Then, enter your
Monthly Salaryin the second input field. - Lastly, click the
Calculateblue button to get the results.
PAG-IBIG Contribution Calculator Results
The computation is placed below the Calculate button. It only displays three output
fields, the
Employer's Share, the Employee's Share and the Total Pag-IBIG Contribution you should pay in your account as a
member.
For example, you are an employee of a company. You'll split the payment with the company you are working for and you as an employee. It's a 50/50 share according to rules.
The total contribution rate is set at 4% which is being equally carried. A percentage share of 2% by the employer and 2% for the employee.
If you are earning ₱25,000 a month, your Pag-Ibig deduction is ₱200 and your company's counterpart is also ₱200.
Why is that? The percentage equivalent of 2% against your ₱25,000 should be ₱500. Which means your monthly paycheck deduction should reflect -₱500 with the same counterpart with the company totaling ₱1,000 contribution a month.
This is not the case because the MAXIMUM Monthly Fund Salary (MFS) is set at ₱10,000. So even if your salary is ₱25,000 the computation is still based on this maximum cap.
Therefore, the maximum contribution is pegged at ₱200 for employer, ₱200 for employee.
What about Voluntary or Self-Employer Members?
If you are a voluntary of self-employed, you don't have an employer to help you split the payment, this means that you have to pay it alone. If your salary is more than ₱10,000 which the maximum limit, you have to pay the ₱400 solely.
The computation on this calculator is based on this PAG-IBIG Contribution Table.
| Monthly Salary | Employee Share | Employer Share | Total Contribution |
|---|---|---|---|
| ₱1,500 and below | 1% | 2% | 3% |
| Over ₱1,500 – ₱10,000 (max) | 2% | 2% | 4% |
| Over ₱10,000 | ₱200 (fixed cap) | ₱200 (fixed cap) | ₱400 (fixed cap) |
For more reference, check out this PagIBIG Contribution Table 2025