PAG-IBIG 2026

Pag-IBIG Contribution History and Annual Dividend Guide 2026

Unlike SSS which operates as a social insurance fund, Pag-IBIG (HDMF) functions partly as a provident savings fund — your contributions earn dividends every year and are returned to you upon retirement, reaching age 65, or after 20 years of membership. In 2026, understanding your Total Accumulated Value (TAV) and how annual dividends work helps you make smarter decisions about voluntary top-ups and loan eligibility.

1. What Is Your Total Accumulated Value (TAV)?

Your TAV is the sum of:

All employee contributions you have made to Pag-IBIG
All employer counterpart contributions remitted on your behalf
All annual dividends credited to your account each year

Your TAV determines how much you can borrow under the Multi-Purpose Loan (up to 80% of TAV) and is the lump sum you receive upon membership maturity.

2. Standard Monthly Contribution Rates (2026)

Monthly Compensation	Employee Share	Employer Share	Total Monthly
₱1,500 and below	1% (₱15 min)	2%	3%
Over ₱1,500	2% (max ₱100)	2% (max ₱100)	Max ₱200/month

Voluntary Top-Up: You can contribute more than the mandatory ₱100 employee share. Voluntary contributions above ₱100 do not have an employer match, but they earn the same annual dividend rate and are fully included in your TAV.

3. Annual Dividend Rate History

Pag-IBIG declares dividends annually based on fund performance. Here is the recent dividend rate history:

Year	Dividend Rate
2020	5.51%
2021	5.60%
2022	6.00%
2023	7.03%
2024	7.26%
2025	~7.5% (estimated; official declaration Q1 2026)

These rates are significantly higher than most bank savings accounts and time deposits, making Pag-IBIG voluntary contributions one of the most attractive low-risk savings instruments for Filipino workers.

4. Sample TAV Growth Projection (₱200/month, 10 Years)

Year	Cumulative Contributions	Estimated TAV (with ~7% dividend)
Year 1	₱2,400	≈ ₱2,568
Year 5	₱12,000	≈ ₱14,025
Year 10	₱24,000	≈ ₱33,744
Year 20	₱48,000	≈ ₱98,357

5. How to Check Your Contribution History and TAV

Visit virtualpagibig.com and create or log in to your account
Go to "My Records" → "Contributions" to see your full payment history
The "TAV" tab shows your current total accumulated value including dividends already credited
Download your Member's Data Form (MDF) which lists your complete contribution record

6. When Can You Withdraw Your TAV?

Membership maturity — after 20 years of continuous membership (from date of first contribution)
Retirement — at age 60 (optional) or 65 (compulsory)
Total and permanent disability or insanity
Death — paid to beneficiaries
Permanent departure from the Philippines (for OFWs and immigrants)
Termination of membership due to no employment (after a specified period, partial withdrawal is possible)

See exactly how much Pag-IBIG is deducted from your monthly salary and how it builds your TAV over time.

Calculate Your Monthly Deductions →