Pag-IBIG Contribution Rates 2026
Pag-IBIG Fund (HDMF) — complete rate tables and computation examples for 2026.
Pag-IBIG Contribution Rates 2026
Employee (≤₱1,500) 1.0%
Employee (>₱1,500) 2.0%
Employer 2.0%
Max Compensation ₱10,000
Contribution Examples
| Monthly Salary | Employee Rate | Employee Share | Employer Share | Total |
|---|---|---|---|---|
| ₱1,500 | 1.0% | ₱15.00 | ₱30.00 | ₱45.00 |
| ₱3,000 | 2.0% | ₱60.00 | ₱60.00 | ₱120.00 |
| ₱5,000 | 2.0% | ₱100.00 | ₱100.00 | ₱200.00 |
| ₱10,000 | 2.0% | ₱200.00 | ₱200.00 | ₱400.00 |
| ₱25,000 | 2.0% | ₱200.00 | ₱200.00 | ₱400.00 |
Frequently Asked Questions
How is Pag-IBIG computed for 2026?
Employee: 1.0% if salary ≤₱1,500, 2.0% above. Employer: 2.0%. Max compensation: ₱10,000.
Max Pag-IBIG contribution for 2026?
Based on ₱10,000 cap. Max employee: ₱200.00, employer: ₱200.00.
Is Pag-IBIG mandatory?
Yes, mandatory for all employees earning at least ₱1,000/month. Self-employed may register voluntarily.
Disclaimer: Rates shown are based on official government circulars.
Always verify with SSS,
PhilHealth,
Pag-IBIG, or
BIR.