Pag-IBIG Contribution & Loan Calculator
Calculate your monthly Pag-IBIG (HDMF) contributions, track your estimated total fund value, and find out how much you can borrow for a multi-purpose or housing loan.
Pag-IBIG Summary
₱14,135
Estimated fund value after 5 years
How does Pag-IBIG work?
Pag-IBIG Fund (HDMF — Home Development Mutual Fund) is a government-mandated savings program for Filipino workers. Both employee and employer contribute monthly, and the accumulated savings earn annual dividends — historically averaging 6–7% per year.
Mandatory contribution: The contribution base is capped at ₱5,000/month. Employees earning ₱1,500 or below contribute 1%; those earning above contribute 2%. Employers always contribute 2% of the employee's salary (capped at ₱5,000).
Voluntary contributions (MP2): Members can open a Modified Pag-IBIG II (MP2) savings account to contribute extra funds at higher dividend rates (typically 1–2% above regular). MP2 has a 5-year maturity period and is a popular savings vehicle for down payment goals.
Housing loan eligibility: You must have at least 24 monthly contributions and be not more than 65 years old at the time of loan maturity to apply for a Pag-IBIG housing loan.
Ready to use your Pag-IBIG for a home?
Browse properties for sale across the Philippines and find one within your Pag-IBIG loan range.