Pag-IBIG Fund branch at Gaisano Capital South, Cebu City. Photo: Wide Awake! (Thewideawake1) via Wikimedia Commons, CC BY 4.0.
In short: The Pag-IBIG contribution 2026 rates are 2% of your monthly fund salary from you and 2% from your employer, computed on a maximum fund salary of ₱10,000, so the most either side is required to pay is ₱200 a month, ₱400 in total. If you earn ₱1,500 or less, you pay 1% and your employer pays 2%. Self-employed members pay both shares themselves, and OFWs pay ₱200 with the option to add the ₱200 employer counterpart.
These rates come from Pag-IBIG Fund (HDMF) Circular No. 460, which raised the maximum fund salary from ₱5,000 to ₱10,000 starting February 2024. As of October 2026, the rates under Circular No. 460 still apply; we found no newer circular changing them. Below are the tables for each type of member, worked examples, and the official ways to pay.
Pag-IBIG Contribution Table 2026 for Employed Members
Last checked: October 25, 2026, against HDMF Circular No. 460 and Pag-IBIG Fund releases published by the Philippine Information Agency.
| Monthly fund salary | Employee share | Employer share | Total |
|---|---|---|---|
| ₱1,500 and below | 1% | 2% | 3% |
| Over ₱1,500 up to ₱10,000 | 2% | 2% | 4% |
| Above ₱10,000 (capped at the ₱10,000 maximum fund salary) | ₱200 | ₱200 | ₱400 |
“Fund salary” is not just your basic pay. Under the circular it covers your basic monthly salary plus allowances such as COLA.
Worked examples
| Monthly fund salary | Employee pays | Employer pays | Total per month |
|---|---|---|---|
| ₱1,000 | ₱10 | ₱20 | ₱30 |
| ₱1,500 | ₱15 | ₱30 | ₱45 |
| ₱5,000 | ₱100 | ₱100 | ₱200 |
| ₱8,000 | ₱160 | ₱160 | ₱320 |
| ₱10,000 | ₱200 | ₱200 | ₱400 |
| ₱25,000 (or any amount above ₱10,000) | ₱200 | ₱200 | ₱400 |
Because of the cap, anyone whose monthly fund salary is ₱10,000 or more sees a flat ₱200 deduction on their payslip, matched by ₱200 from the employer.
Rules employers must follow
- The employer deducts your share, adds its own, and remits both every month. Employed members don’t pay their regular savings separately.
- The employer may not deduct its own share from your salary.
- If you have two or more employers, each one deducts and remits on the salary it pays you.
- Employers who don’t remit the ₱200 counterpart can be penalized under the HDMF Law of 2009 (Republic Act No. 9679), Pag-IBIG Fund warned in 2025.
Self-Employed, Voluntary, OFW and Kasambahay Members
Last checked: October 25, 2026, against HDMF Circular No. 460.
| Member type | How the contribution is computed | Usual monthly amount at the cap |
|---|---|---|
| Self-employed (professionals, business owners, freelancers) | You pay both shares: 2% + 2% = 4% of your declared monthly income, up to the ₱10,000 cap | ₱400 |
| Other earning groups covered by the circular (for example, farmers, fisherfolk, market vendors and transport workers) | 1% of fund salary if ₱1,500 and below; 2% if over ₱1,500 | Up to ₱200 |
| OFWs and Filipinos working for foreign-based employers | 2% of monthly income on the ₱10,000 cap; you may also choose to pay the employer counterpart | ₱200 required; ₱400 if you add the counterpart |
| Non-working spouse (voluntary) | Employee rate on 50% of the working spouse’s fund salary; no employer share | Depends on the spouse’s salary |
| Kasambahay earning under ₱5,000 | Employer pays both shares: 3% of salary if ₱1,500 and below, 4% if over ₱1,500 | Paid entirely by the employer |
| Kasambahay earning ₱5,000 or more | Kasambahay 2%, employer 2%, up to the ₱10,000 cap | ₱200 + ₱200 |
Pag-IBIG membership is mandatory for OFWs under RA 9679. The required OFW saving is the 2% share; the employer counterpart is optional, not a requirement.
Is There a Minimum or Maximum Pag-IBIG Contribution?
The required maximum is ₱200 per share, or ₱400 a month in total, because contributions stop growing once your fund salary passes ₱10,000. You can pay more than this as additional voluntary savings, and the circular allows members to upgrade their monthly savings.
The circular doesn’t set a single peso minimum. Contributions are a percentage of fund salary, so a worker earning ₱1,000 a month owes ₱10, with ₱20 from the employer. Self-employed, voluntary and OFW members commonly pay ₱200 because that’s 2% of the ₱10,000 cap, but check with Pag-IBIG if you plan to declare a lower income.
Before February 2024, the cap was ₱5,000, so the maximum was ₱100 per share. Any table still showing ₱100 as the ceiling is out of date.
What You Need Before You Pay
Last checked: October 25, 2026, against the Virtual Pag-IBIG payment page and FAQs.
- Your Pag-IBIG MID number. No MID yet? Register as a member on Virtual Pag-IBIG to get a permanent MID.
- Your membership category: Local or Overseas.
- The amount and the months you’re covering. Virtual Pag-IBIG accepts advance payments up to 38 months ahead.
- A payment method: a credit or debit card, Maya or GCash for online payment.
How to Pay Your Pag-IBIG Contribution Online
- Go to the Virtual Pag-IBIG Pay Online page for membership savings.
- Choose Regular Savings as the program, then your membership category (Local or Overseas).
- Pick your payment method: credit/debit card, or Maya/GCash. For GCash, use Chrome, Edge or Firefox.
- Enter your MID number, the amount and the period covered.
- Review the convenience fee shown on screen before confirming, then complete payment.
Double-check the amount. Virtual Pag-IBIG says it gives no refunds if you pay more than your required monthly savings; the excess is applied to your next due months instead. This online facility is for individual members. Employers remitting for staff must use Pag-IBIG’s employer payment facilities.
Other ways to pay
In the Philippines, you can also pay at Pag-IBIG branches and accredited collecting partners. Pag-IBIG’s service desk for OFWs in Japan lists digital options including GCash, Maya, Coins.ph, PayKII–ECPay, the SMILES app, BPI eGov and LANDBANK Go Bayani. See Pag-IBIG’s official payment-facilities page for the full, current list before using a partner.
Your regular savings earn yearly dividends. For 2025, Pag-IBIG declared 6.62% on Regular Savings and 7.12% on MP2. If you want to save beyond the required ₱200, MP2 is the voluntary option built for that. Our guide on how to open a Pag-IBIG MP2 account online walks through the steps.
Related Guides on The Philippines Web
- How to open an MP2 account: Pag-IBIG’s voluntary savings program.
- PhilHealth contribution 2026 table
- How to get an SSS number and My.SSS account online
- 13th month pay 2026: computation and deadline
- More step-by-step guides: Paano Ba? Explainers.
Frequently asked questions
How much is the Pag-IBIG contribution in 2026?
For most employed members it’s ₱200 from the employee and ₱200 from the employer, ₱400 a month in total. That’s 2% each on the ₱10,000 maximum fund salary under Circular No. 460. Those earning ₱1,500 or less pay 1%, with 2% from the employer.
Did the Pag-IBIG contribution increase in 2026?
No new increase was found for 2026. The last change took effect in February 2024, when the maximum fund salary rose from ₱5,000 to ₱10,000 and the maximum share went from ₱100 to ₱200.
How much do OFWs pay to Pag-IBIG?
OFWs pay 2% of monthly income on the ₱10,000 cap, or ₱200 a month. They may also choose to pay the employer counterpart, bringing the total to ₱400, but that part is optional.
Can I pay my Pag-IBIG contributions in advance?
Yes. Virtual Pag-IBIG’s Pay Online facility lets you cover up to 38 months ahead. Payments above the required amount aren’t refunded; they’re applied to your next due months.
Sources
- Pag-IBIG Fund: Circulars, HDMF Circular No. 460 on the increase in the maximum fund salary effective February 2024 (checked Oct 25, 2026)
- Philippine Information Agency: OFW groups join support for Pag-IBIG contribution hike
- Philippine Information Agency: Employers who fail to remit P200 Pag-IBIG share to be penalized
- Virtual Pag-IBIG: Pay Online (Regular Savings) and FAQs (checked Oct 25, 2026)
- Philippine Embassy Tokyo, Pag-IBIG Japan Service Desk: Payment Facilities and Membership Savings (checked Oct 25, 2026)
- Pag-IBIG Fund: Payment facilities
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