Pag-IBIG

How to Check Pag-IBIG Contribution Online 2026: View Your Savings

Step-by-step guide to checking your Pag-IBIG contribution online. Learn how to view your savings balance and total accumulated value via Virtual Pag-IBIG.

By Pinoy Benefits Team •

Checking your Pag-IBIG contributions regularly helps you track your savings, verify employer remittances, and ensure you’re on track for loan eligibility and benefits. Thanks to Virtual Pag-IBIG, you can now view your contribution history and total accumulated value (TAV) online anytime.

This guide shows you exactly how to check your Pag-IBIG contributions in 2026.

Why Check Your Pag-IBIG Contributions?

Regularly monitoring your Pag-IBIG account is important for several reasons. First, you can verify employer remittances and make sure your employer is actually remitting your monthly contributions. Second, you can check your loan eligibility since Pag-IBIG loans like MPL and Housing Loan require a minimum number of contributions. Third, you can track your savings growth by seeing how much you’ve accumulated including dividends. Fourth, you can confirm membership maturity and know when you’ll be eligible to claim your provident benefit. Finally, you can catch errors early and identify missing or duplicate contributions before they become problems.

Method 1: Virtual Pag-IBIG Portal

The easiest way to check your contributions is through the Virtual Pag-IBIG website.

Step 1: Access Virtual Pag-IBIG

Open your web browser and go to www.pagibigfundservices.com/virtualpagibig.

Step 2: Log In to Your Account

Enter your Pag-IBIG MID (Membership ID) number and your password. If you haven’t registered yet, click “Register” to create your Virtual Pag-IBIG account. You’ll need your MID number, valid email address, and mobile number.

Step 3: Navigate to Contribution Inquiry

Once logged in, look for “Member Savings” or “View Contribution History” in the dashboard. Click on it to view your contribution records.

Step 4: View Your Contributions

You’ll see a detailed breakdown showing your total employee contributions (your share), total employer contributions (your employer’s share), total credited dividends, your Total Accumulated Value (TAV), and contribution history by month and year.

Step 5: Download or Print (Optional)

You can download your contribution history as a PDF or print it for your records.

Method 2: Pag-IBIG Mobile App

Pag-IBIG also offers a mobile app for convenient access on your smartphone.

For Android

Open Google Play Store, search for “Pag-IBIG Fund Mobile App,” and download and install the official app.

For iOS

Open the App Store, search for “Pag-IBIG Fund,” and download and install the app.

Using the App

Open the Pag-IBIG app and log in with your Virtual Pag-IBIG credentials. Navigate to “Member Services” then “Savings Inquiry.” View your contribution history and TAV.

Understanding Your Contribution Record

When you view your Pag-IBIG contributions, you’ll see several important pieces of information.

Employee Share (ES) is the amount deducted from your salary as your monthly contribution. Employer Share (EE) is your employer’s counterpart contribution, equal to your employee share. Total Monthly Contribution is the combined employee and employer shares. For 2025, the minimum monthly contribution is P100 each for employee and employer.

Total Accumulated Value (TAV) is the most important figure. This represents the total amount you can claim upon maturity or withdrawal, including all employee contributions, all employer contributions, and all credited annual dividends.

Dividend Earnings are your annual earnings based on Pag-IBIG’s investment performance. For 2024, the dividend rate is 6.60% for regular savings.

Posted vs Unposted Contributions: Posted contributions are already reflected in your account. Unposted contributions may still be processing.

What to Do If Contributions Are Missing

If you notice missing contributions from your employer, gather evidence first by collecting your payslips showing Pag-IBIG deductions. Then verify with your employer’s HR department to confirm they’ve been remitting your contributions. If contributions were deducted but not remitted, file a complaint with Pag-IBIG by filling out a Request for Verification of Contributions. You can submit this at any Pag-IBIG branch or through their hotline. You may also report to DOLE since non-remittance of contributions is a violation of labor laws.

How to Check MP2 Savings

If you have an MP2 account, you can also check your MP2 savings online.

Log in to Virtual Pag-IBIG at pagibigfundservices.com/virtualpagibig and navigate to “MP2 Savings” or “View MP2 Account.” You’ll see your MP2 account number, contribution history, credited dividends, and total MP2 savings value.

Quick Reference: Pag-IBIG Contact Information

If you encounter issues checking your contributions, you can reach Pag-IBIG through:

Tips for Managing Your Pag-IBIG Account

Check regularly by reviewing your contributions at least quarterly. Keep payslips as proof of salary deductions. Update your records by notifying Pag-IBIG of any changes to your personal information. Register online by creating your Virtual Pag-IBIG account for easy access. Save your credentials and keep your login details secure but accessible.

Frequently Asked Questions

1. Do I need to register for Virtual Pag-IBIG to check my contributions?

Yes, you need to create a Virtual Pag-IBIG account to access your contribution records online. Registration is free and requires your MID number, email address, and mobile number.

2. How often are contributions posted to my account?

Contributions are typically posted within 1-2 months after your employer remits them. If your latest contribution isn’t showing, wait a few weeks and check again.

3. Why is my Total Accumulated Value (TAV) lower than my total contributions?

Your TAV should include contributions plus dividends. If it appears lower, there might be unposted contributions or outstanding loans that have been deducted. Verify with Pag-IBIG if you notice discrepancies.

4. Can I check my Pag-IBIG contributions without my MID number?

You need your MID number to check contributions online. If you’ve forgotten your MID, you can recover it through Virtual Pag-IBIG’s “Forgot MID” feature or by visiting a Pag-IBIG branch with a valid ID.

5. How do I check if my employer is remitting my contributions?

Compare your payslips (which show Pag-IBIG deductions) with your online contribution history. The amounts and dates should match. If your payslip shows deductions but no corresponding posts in your account, your employer may not be remitting properly.

Sources

Last Updated: December 2025