Philippines Pag-IBIG (HDMF) 2027 Calculator

Philippines Home Development Mutual Fund (Pag-IBIG) mandatory contribution: 2% employee + 2% employer on first ₱5,000 (capped ₱100 each). Voluntary MP2 program offers tax-free dividends. Source: pagibigfund.gov.ph.

Tax-free dividends, 5-yr lock
Total Monthly Pag-IBIG
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Mandatory + voluntary
Employee 2%
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Employer 2%
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MP2 Contribution
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Total Monthly
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5yr MP2 Value
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Max Housing Loan
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Pag-IBIG Mandatory Contribution Capped at ₱100

Mandatory contribution 2% of monthly salary on first ₱5,000 only — so capped at ₱100/month for employee, ₱100 for employer (combined ₱200). Above ₱5,000 salary, no additional mandatory contribution. Members can voluntarily contribute more to qualify for higher housing loan amounts. Source: pagibigfund.gov.ph.

MP2 Modified Pag-IBIG II — Tax-Free Dividends

Voluntary savings program with 5-year lock-in, dividends fully tax-exempt. Recent yields: 6.50% (2023), 5.50% (2022). Members can open multiple MP2 accounts. Lump-sum or monthly contributions. At maturity, withdraw with all dividends compound-grown. Beats most bank time deposits (3-4% before tax).

Pag-IBIG Housing Loan

Member with 24+ months contributions can borrow up to ₱6 million at 5.25-6.50% rate (much lower than commercial 7-9%). Terms up to 30 years. Used for purchasing residential lot, house construction, home improvement, or refinancing existing housing loan. Source: pagibigfund.gov.ph.

Withdrawing Pag-IBIG Savings

Regular savings withdrawable at retirement (60+), permanent disability, separation from service (after 20 years), or death (paid to heirs). MP2 withdrawable after 5-year maturity, or earlier on retirement/disability/death. Early MP2 withdrawal forfeits dividends earned in incomplete year.