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How the 2026 Pag-IBIG contribution is computed
Three steps — and one cap that does most of the work.
Cap the salary
The computation uses your actual monthly compensation, but only up to the Maximum Fund Salary of ₱10,000 set by Circular No. 460. Earn more, and the base stays ₱10,000.
Apply the rate
Employee share is 2% of the capped salary — or 1% if monthly compensation is ₱1,500 or below. The employer share is always 2%.
Check who remits
Employers deduct and remit for employees. Self-employed, voluntary, and OFW members pay both shares (or just their own, for OFWs) directly to Pag-IBIG.
Pag-IBIG Contribution Table 2026
Two tiers, one ceiling. The rates below apply to employed members; self-employed and voluntary members pay both columns themselves.
| Monthly compensation | Employee share | Employer share | Total rate |
|---|---|---|---|
| ₱1,500 and below | 1% | 2% | 3% |
| Over ₱1,500 | 2% | 2% | 4% |
| Monthly salary | Employee | Employer | Total savings |
|---|---|---|---|
| ₱1,000 | 10 | 20 | 30 |
| ₱1,500 | 15 | 30 | 45 |
| ₱3,000 | 60 | 60 | 120 |
| ₱5,000 | 100 | 100 | 200 |
| ₱8,000 | 160 | 160 | 320 |
| ₱10,000 and above (capped) | 200 | 200 | 400 |
The ₱10,000 Maximum Fund Salary means every employee earning ₱10,000 or more pays exactly ₱200 per month, matched by ₱200 from the employer. Contributions build your Total Accumulated Value (TAV), which earns annual dividends and determines your loan eligibility.
Frequently asked questions
Straight answers to the questions people actually search for.
How much is the Pag-IBIG contribution in 2026?
2% of your monthly compensation from you, plus 2% from your employer, computed on a ₱10,000 maximum fund salary. That caps the contribution at ₱200 each — ₱400 total per month. Employees earning ₱1,500 or below contribute 1% instead, while the employer still pays 2%.
Why is my Pag-IBIG only ₱200 when I earn more than ₱10,000?
The computation stops at the Maximum Fund Salary of ₱10,000 (HDMF Circular No. 460, effective February 2024). Whether you earn ₱15,000 or ₱150,000, the mandatory deduction is 2% of ₱10,000 — exactly ₱200.
Can I contribute more than the mandatory amount?
Yes, two ways. Voluntarily increase your regular monthly savings above the mandatory ₱200, or open an MP2 account — Pag-IBIG's voluntary savings program with a ₱500 minimum per remittance and tax-free dividends that historically outperform the regular savings rate.
How much do self-employed and voluntary members pay?
Both shares — 4% of declared monthly income (3% if income is ₱1,500 or below), capped at the ₱10,000 fund salary. Maximum: ₱400 per month.
How much is Pag-IBIG for OFWs?
Land-based OFWs whose foreign employers aren't covered pay 2% of monthly salary themselves — capped at ₱200. They may optionally pay the 2% employer counterpart as well, doubling monthly savings to ₱400.
Who pays the contribution of a kasambahay?
Below ₱5,000 monthly salary: the household employer shoulders both shares, and the kasambahay pays nothing. At ₱5,000 or above: normal sharing — 2% from the worker, 2% from the employer.
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