Government Contribution
Pag-IBIG Contribution Calculator
HDMF mandatory contribution · Effective 2026 (per HDMF Circular No. 460)
Employee (low) 1% MFS ≤ ₱1,500
Employee (std) 2% MFS > ₱1,500
Employer 2% flat — paid by company
Max mandatory ₱400 ₱200 each · MFS cap ₱10,000
Calculator
Enter the employee's monthly basic salary
Enter a monthly basic salary to see the contribution breakdown.
Computation
mfs = min(MBS, ₱10,000)
employee = mfs × (mfs ≤ ₱1,500 ? 1% : 2%) · employer = mfs × 2%
- Low tier (MFS ≤ ₱1,500) — employer pays 2× the employee (1% / 2%).
- Standard (₱1,500 < MFS ≤ ₱10,000) — both pay 2% of MFS.
- Capped (MBS > ₱10,000) — MFS clamps to ₱10,000; mandatory total stays at ₱400 (₱200 each). Voluntary top-ups go to MP2 savings.
Examples
- ₱1,200 Low tierTotal ₱36.00
- Employer (2.0%)
- 24.00
- Employee (1.0%)
- 12.00
- ₱1,500 Low tierTotal ₱45.00
- Employer (2.0%)
- 30.00
- Employee (1.0%)
- 15.00
- ₱5,000 StandardTotal ₱200.00
- Employer (2.0%)
- 100.00
- Employee (2.0%)
- 100.00
- ₱10,000 StandardTotal ₱400.00
- Employer (2.0%)
- 200.00
- Employee (2.0%)
- 200.00
- ₱25,000 CappedTotal ₱400.00
- Employer (2.0%)
- 200.00
- Employee (2.0%)
- 200.00
| Monthly Basic Salary | Tier | MFS | Employer | Employee | Total |
|---|---|---|---|---|---|
| ₱1,200 | Low tier | ₱1,200.00 | 24.00 (2.0%) | 12.00 (1.0%) | 36.00 |
| ₱1,500 | Low tier | ₱1,500.00 | 30.00 (2.0%) | 15.00 (1.0%) | 45.00 |
| ₱5,000 | Standard | ₱5,000.00 | 100.00 (2.0%) | 100.00 (2.0%) | 200.00 |
| ₱10,000 | Standard | ₱10,000.00 | 200.00 (2.0%) | 200.00 (2.0%) | 400.00 |
| ₱25,000 | Capped | ₱10,000.00 | 200.00 (2.0%) | 200.00 (2.0%) | 400.00 |
Use the calculator for an exact figure at any salary.