Pag-IBIG Contribution Table 2026: Monthly Shares for Every Salary
Pag-IBIG Contribution Table 2026. Employee pays 1% up to P1,500 and 2% above it, employer pays 2%, computed on a P10,000 maximum. Full table.
Pag-IBIG Contribution Table 2026
Employees contribute 1% where monthly compensation is ₱1,500 or below and 2% above it; the employer contributes 2%. Contributions are computed on a maximum monthly compensation of ₱10,000, capping the employee share at ₱200.00.
| Monthly Compensation | Employee Rate | Employee Share | Employer Share | Total |
|---|---|---|---|---|
| ₱1,000 | 1% | ₱10.00 | ₱20.00 | ₱30.00 |
| ₱1,500 | 1% | ₱15.00 | ₱30.00 | ₱45.00 |
| ₱2,000 | 2% | ₱40.00 | ₱40.00 | ₱80.00 |
| ₱3,000 | 2% | ₱60.00 | ₱60.00 | ₱120.00 |
| ₱4,000 | 2% | ₱80.00 | ₱80.00 | ₱160.00 |
| ₱5,000 | 2% | ₱100.00 | ₱100.00 | ₱200.00 |
| ₱6,000 | 2% | ₱120.00 | ₱120.00 | ₱240.00 |
| ₱7,000 | 2% | ₱140.00 | ₱140.00 | ₱280.00 |
| ₱8,000 | 2% | ₱160.00 | ₱160.00 | ₱320.00 |
| ₱9,000 | 2% | ₱180.00 | ₱180.00 | ₱360.00 |
| ₱10,000 and above | 2% | ₱200.00 | ₱200.00 | ₱400.00 |
Pag-IBIG contributions are the simplest of the three mandatory deductions, and the one most often miscalculated — because almost everyone hits the same ceiling.
How the rate works
There are only two employee rates. If your monthly compensation is ₱1,500 or below, you contribute 1%. Above ₱1,500, you contribute 2%. Your employer contributes 2% regardless.
The part that catches people out is the ceiling. Contributions are computed on a maximum monthly compensation of ₱10,000, not on your actual salary. So the employee share stops at ₱200 whether you earn ₱10,000, ₱40,000 or ₱150,000 — and the employer share likewise stops at ₱200.
The contribution does grow with pay — from ₱10 at ₱1,000 up to ₱200 — but it stops growing once compensation reaches ₱10,000. That is why Pag-IBIG appears as a flat ₱200 line on most payslips, while SSS and PhilHealth keep rising.
Who this applies to
Pag-IBIG Fund states that membership is mandatory for employees covered by SSS or GSIS, including household workers and overseas Filipino workers, and that self-employed earners may register and contribute on the same schedule. Confirm your own category and any minimum income condition with Pag-IBIG before relying on it.
Saving more than the minimum
You can contribute above the mandatory amount. Many members do this to build a larger balance ahead of a housing or multi-purpose loan application. Pag-IBIG’s loan programs take total accumulated savings into account, though each loan has its own eligibility and computation rules — check the specific program before assuming a larger balance raises what you can borrow.
If your goal is returns rather than loan eligibility, the MP2 Savings Program is worth comparing: a separate voluntary account with a five-year term, which Pag-IBIG declared at 7.12% for 2025 against 6.62% for Regular Savings. MP2 is not a substitute for mandatory contributions and has its own maturity and pre-termination rules.
Checking what has actually been posted
Your employer deducting a contribution is not the same as Pag-IBIG receiving it. Check your posted contributions through Virtual Pag-IBIG before applying for any loan — see how to check your Pag-IBIG contributions online.
Where this fits in your payslip
Pag-IBIG is one of three mandatory deductions, alongside SSS and PhilHealth, all taken before withholding tax is computed. To see the combined effect on your take-home pay, use the Net Pay Calculator.
Rates on this page come from Pag-IBIG Fund’s published contribution schedule. Verify against pagibigfund.gov.ph before relying on them for payroll or compliance.