If you’re a Pag-IBIG member, your monthly contribution isn’t just a deduction from your salary—it’s an investment in your future. Starting 2024, Pag-IBIG increased the mandatory contribution rates, which means your savings will grow faster.

In this guide, we’ll go over the updated 2025 contribution rates, show sample computations, explain how your savings earn dividends, and discuss how to top-up if you want to save more.

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Updated Pag-IBIG Contribution Rates (2025)

Pag-IBIG Regular Savings (also called Pag-IBIG I) has mandatory contributions for both employees and employers. Starting January 2024, the minimum monthly contribution increased from ₱100 to ₱200 per month for employees.

Here’s the 2025 breakdown:

Monthly Compensation	Employee Share	Employer Share	Total Monthly Savings
₱1,000 – ₱1,500	1% of salary	2% of salary	Varies
Above ₱1,500	₱200 fixed	₱200 fixed	₱400 total

Notes:

• The ₱200 employee share is the maximum required for those earning above ₱1,500/month.
• Employers match the contribution peso-for-peso.
• OFWs, self-employed, and voluntary members also follow the ₱200/month minimum but can contribute more.

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How Your Pag-IBIG Savings Grow

Pag-IBIG funds earn annual dividends based on the fund’s performance. These dividends are tax-free and credited to your account every year.

For example, if the dividend rate is 6% per year and you and your employer both contribute ₱200 monthly (₱400 total), here’s a simplified look at your savings in 5 years without extra top-ups:

Year	Total Contributions	Dividends (6%)	Year-End Balance
1	₱4,800	₱144	₱4,944
2	₱9,600	₱432	₱10,032
3	₱14,400	₱864	₱15,264
4	₱19,200	₱1,248	₱20,448
5	₱24,000	₱1,632	₱25,632

Note: Actual dividends may vary each year.

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Can You Contribute More? (Top-Up Option)

Yes! One of the best things about Pag-IBIG is that you can voluntarily top-up your savings anytime.

• Through salary deduction – Ask your HR or payroll department to increase your monthly contribution.
• Over-the-counter or online payment – Use Pag-IBIG-accredited payment channels like GCash, PayMaya, banks, and payment centers.
• Minimum top-up – ₱100 per transaction (for most payment channels).

Why top-up?

• Higher contributions = bigger dividends.
• Unlike a bank savings account, Pag-IBIG dividends are tax-free.
• Your money is government-guaranteed.

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Pag-IBIG Regular Savings Calculator

Use this tool to estimate how much your Pag-IBIG savings could grow over time with different monthly contributions and years of saving.

How to Use the Pag-IBIG Regular Savings Calculator

This calculator estimates the future value of your Pag-IBIG Regular Savings, including projected dividends, based on your current contributions and additional deposits.

Here’s what you need to fill out:

1. Current Total Savings
   • Enter your existing Pag-IBIG Regular Savings balance.
   • You can find this in your Pag-IBIG Membership ID (MID) records, Virtual Pag-IBIG account, or by requesting your latest statement.
   • Example: If you already have ₱50,000 in your account, put 50000.
2. Monthly Contribution
   • This is the amount you contribute every month (your share + your employer’s share if applicable).
   • For employed members, the usual minimum is ₱100 per month (employee share), matched by another ₱100 from the employer.
   • For voluntary members, you can choose how much to contribute (minimum ₱200 monthly).
3. Years to Save
   • How many years you plan to continue contributing.
   • Example: If you’ll keep contributing for 10 years, enter 10.
4. Projected Annual Dividend Rate (%)
   • Enter your estimated annual dividend rate.
   • Pag-IBIG’s historical average is around 6–7%, but it changes yearly.
   • You can check the latest rates on the Pag-IBIG website.

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How the Calculator Works

• Compounded Yearly – The calculator assumes dividends are added to your balance at the end of each year, and future dividends are earned on the new total.
• It adds your existing savings + future contributions + compounded dividends to give your estimated total balance at the end of your chosen saving period.

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Withdrawal of Pag-IBIG Savings

You can claim your Pag-IBIG Regular Savings after 20 years of membership or upon reaching retirement age (60 or 65), whichever comes first.
You can also withdraw under special cases such as:

• Permanent departure from the country
• Permanent total disability
• Death (beneficiaries will claim)
• Critical illness

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Final Thoughts (Blogger’s Corner)

The Pag-IBIG Regular Savings program is one of the simplest and safest ways for Filipinos to grow their money. The updated ₱200 monthly contribution might feel like a bigger cut from your salary, but remember—you’re doubling your savings growth with your employer’s share, plus you’re earning tax-free dividends.

If you can, top-up regularly. Even an extra ₱500 a month can significantly boost your fund after a few years.

In short: treat Pag-IBIG as your long-term savings partner, not just a government requirement.