Pag-IBIG Contribution Table 2026: How Much You Pay
Employees pay 2% of their monthly compensation (1% if ₱1,500 or less) and employers add 2%, computed on up to ₱10,000. That is why most employees pay ₱200 a month, with ₱200 more from the employer.
Pag-IBIG contribution table 2026
| Monthly salary | You | Employer | Total |
|---|---|---|---|
| ₱1,500 | ₱15 | ₱30 | ₱45 |
| ₱5,000 | ₱100 | ₱100 | ₱200 |
| ₱8,000 | ₱160 | ₱160 | ₱320 |
| ₱10,000 | ₱200 | ₱200 | ₱400 |
| ₱15,000 | ₱200 | ₱200 | ₱400 |
| ₱20,000 | ₱200 | ₱200 | ₱400 |
| ₱30,000 | ₱200 | ₱200 | ₱400 |
| ₱50,000 | ₱200 | ₱200 | ₱400 |
| ₱100,000 | ₱200 | ₱200 | ₱400 |
How to compute your Pag-IBIG contribution
- Take your monthly compensation, up to a maximum of ₱10,000.
- Multiply by 2% (1% if your compensation is ₱1,500 or less) for your share.
- Your employer adds 2% of the same amount. Example: ₱8,000 × 2% = ₱160 each.
Want to save more? MP2
The required contribution is small. Pag-IBIG MP2 is a separate, voluntary 5-year savings program with tax-free dividends that many Filipinos use on top of it. See what a monthly MP2 amount grows to →
Frequently asked questions
How much is the Pag-IBIG contribution in 2026?
Employees pay 2% of their monthly compensation (1% if it is ₱1,500 or less) and employers add 2%, computed on up to ₱10,000. So most employees pay ₱200 a month and their employer adds ₱200, ₱400 in total.
Why is my Pag-IBIG only ₱200 even with a high salary?
The contribution is computed on a maximum fund salary of ₱10,000. At 2%, that caps the required share at ₱200 each for you and your employer, whatever your salary above ₱10,000.
Can I contribute more than ₱200 to Pag-IBIG?
Yes. You can voluntarily raise your regular savings, or open MP2, a separate 5-year savings program with tax-free dividends that you fund on top of the required contribution.
How much do OFW and self-employed members pay?
Members without an employer (self-employed, voluntary and OFW members) pay their contributions themselves, based on their declared monthly income. Check the current Pag-IBIG guidelines for your membership category; you can always save more than the minimum.
What do Pag-IBIG contributions give me?
Your savings earn yearly dividends and are returned at retirement or membership maturity, and they qualify you for Pag-IBIG housing, multi-purpose and calamity loans.
Related
- SSS, PhilHealth & Pag-IBIG table 2026: all three together.
- PhilHealth contribution 2026: the 5% premium by salary.
- MP2 vs time deposit: which earns more.
- Take-home pay calculator: your full payslip.
Based on the Pag-IBIG schedule used by our calculator (2% + 2%, ₱10,000 maximum fund salary). Confirm with Pag-IBIG for your membership category.
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