Pag-IBIG Contribution Table 2026 — Updated Rates and Complete Guide
The Pag-IBIG contribution table 2026 shows the updated monthly contribution rates for all members of the Home Development Mutual Fund (HDMF). Following HDMF Circular No. 460 effective February 2024, the Maximum Fund Salary was raised from ₱5,000 to ₱10,000, doubling the maximum monthly contribution. These rates remain in effect for 2026 with no new increases announced.
⚠️ Note: This is an independent informational website and is NOT the official Pag-IBIG Fund. For official transactions visit pagibigfund.gov.ph or call 724-4244.
Pag-IBIG Contribution Table 2026 — Key Facts
| Detail | Amount |
|---|---|
| Maximum Fund Salary (MFS) | ₱10,000 |
| Employee Rate | 1% (salary ≤ ₱1,500) | 2% (salary > ₱1,500) |
| Employer Rate | Always 2% |
| Maximum Employee Contribution | ₱200/month |
| Maximum Employer Contribution | ₱200/month |
| Maximum Total Contribution | ₱400/month |
| Circular Reference | HDMF Circular No. 460 (effective February 2024) |
Employee and Employer Pag-IBIG Contribution Table 2026
For employed members, contributions are shared between the employee and employer. Both pay based on the employee’s monthly compensation, capped at the Maximum Fund Salary of ₱10,000.
| Monthly Compensation | Employee Rate | Employee Share | Employer Rate | Employer Share | Total |
|---|---|---|---|---|---|
| ₱1,500 and below | 1% | ₱15 (at ₱1,500) | 2% | ₱30 (at ₱1,500) | ₱45 |
| Over ₱1,500 up to ₱10,000 | 2% | ₱30 – ₱200 | 2% | ₱30 – ₱200 | ₱60 – ₱400 |
| Over ₱10,000 (any salary) | 2% capped | ₱200 (max) | 2% capped | ₱200 (max) | ₱400 (max) |
Important: Even if you earn ₱50,000/month, your Pag-IBIG deduction is only ₱200 and your employer pays only ₱200. Contributions do not increase beyond the ₱10,000 salary cap.
Sample Computation — Employee
| Monthly Salary | Employee Share | Employer Share | Total Monthly |
|---|---|---|---|
| ₱1,000 | ₱10 (1%) | ₱20 (2%) | ₱30 |
| ₱1,500 | ₱15 (1%) | ₱30 (2%) | ₱45 |
| ₱5,000 | ₱100 (2%) | ₱100 (2%) | ₱200 |
| ₱10,000 | ₱200 (2%) | ₱200 (2%) | ₱400 |
| ₱20,000 | ₱200 (capped) | ₱200 (capped) | ₱400 |
| ₱50,000 | ₱200 (capped) | ₱200 (capped) | ₱400 |
💰 Need a Loan Before Your Next Pag-IBIG Payment?
Pag-IBIG loans require 24 monthly contributions minimum. If you need cash faster, these SEC-registered lenders offer approval in minutes:
- Finmerkado — Compare multiple licensed lenders side by side. No commitment to browse.
- Loanonline — One application, multiple offers. Up to ₱25,000, 0% first loan.
- Finbro — Up to ₱50,000. Approval within 24 hours.
All lenders are SEC-registered. We may earn a small commission if you apply through our links, at no extra cost to you.
Kasambahay / Household Employee Pag-IBIG Contributions 2026
For kasambahay earning below ₱5,000/month, the household employer pays the full Pag-IBIG contribution. For kasambahay earning ₱5,000 and above, normal employee/employer sharing applies.
| Monthly Salary | Employee Share | Employer Share | Who Pays |
|---|---|---|---|
| Below ₱5,000 | ₱0 | Full amount | Household Employer pays all |
| ₱5,000 and above | 2% of salary (max ₱200) | 2% of salary (max ₱200) | Shared — normal rates apply |
Land-Based OFW Pag-IBIG Contributions 2026
OFW membership in Pag-IBIG is mandatory. Failure to pay Pag-IBIG contributions means you cannot obtain your Overseas Employment Certificate (OEC) from the Department of Migrant Workers.
| OFW Type | Contribution Rate | Maximum Monthly |
|---|---|---|
| OFW with foreign employer (employer pays share) | 2% employee + 2% employer | ₱400 total |
| OFW without employer coverage (self-paying) | 2% of monthly salary (both shares) | ₱400 total |
Self-Employed Members Pag-IBIG Contributions 2026
Self-employed members — freelancers, entrepreneurs, professionals — pay both the employee and employer shares, totaling 4% of their declared monthly income, capped at ₱10,000 MFS.
| Monthly Income | Total Contribution (4%) |
|---|---|
| ₱1,500 and below | 3% total (1% EE + 2% ER) |
| Over ₱1,500 up to ₱10,000 | 4% of monthly income |
| Over ₱10,000 (any amount) | ₱400/month (maximum) |
Voluntary Members and Non-Working Spouse
Voluntary members pay based on their declared monthly income following the same rates as self-employed members.
For non-working spouses, contributions are based on 50% of the working spouse’s monthly compensation. The non-working spouse does not pay the employer counterpart.
MP2 — Modified Pag-IBIG II Voluntary Savings
Beyond mandatory contributions, members can grow their savings through the MP2 Savings Program — a voluntary savings program that earns higher dividends than regular Pag-IBIG savings. Available to all active Pag-IBIG members including self-employed and OFWs. Minimum additional contribution is ₱500/month.
Benefits of Pag-IBIG Contributions
Keeping your Pag-IBIG contribution table 2026 payments consistent gives you access to:
- Housing Loan — Up to ₱6.5 million for qualified members with 24+ contributions
- Multi-Purpose Loan (MPL) — Borrow up to 80% of your Total Accumulated Value
- Calamity Loan — Financial assistance during declared calamities
- Annual Dividends — Your savings earn dividends credited annually
- Savings Withdrawal — Withdraw your TAV upon retirement or permanent disability
How to Pay Pag-IBIG Contributions
- Virtual Pag-IBIG — Pay online at pagibigfund.gov.ph
- GCash — Pay directly through the GCash app
- Over-the-counter — Any Pag-IBIG branch or accredited payment center
- Employer remittance — For employed members, employer remits on or before the 10th day of the following month
📋 Need a loan while waiting for Pag-IBIG eligibility? Compare SEC-registered lenders on Finmerkado — no commitment required to browse.
Frequently Asked Questions — Pag-IBIG Contribution Table 2026
What is the maximum Pag-IBIG contribution in 2026?
₱400/month total — ₱200 from the employee and ₱200 from the employer, based on the ₱10,000 Maximum Fund Salary cap under HDMF Circular 460.
What is the minimum Pag-IBIG contribution in 2026?
For employees earning ₱1,500 or below, the minimum employee share is 1% of their salary. For a salary of ₱1,000 that’s ₱10/month employee share.
Did the Pag-IBIG contribution change in 2026?
No new changes in 2026. The current rates under HDMF Circular No. 460 (effective February 2024) remain in effect — Maximum Fund Salary of ₱10,000 and maximum contribution of ₱200 each for employee and employer.
How much is the Pag-IBIG contribution for a ₱20,000 salary?
₱200 employee share and ₱200 employer share — totaling ₱400/month. Contributions are capped at the ₱10,000 MFS regardless of actual salary.
Is Pag-IBIG mandatory for OFWs?
Yes — Pag-IBIG membership is mandatory for OFWs. You cannot obtain your OEC without proof of Pag-IBIG compliance.
Can I contribute more than the minimum to Pag-IBIG?
Yes — through the MP2 Savings Program, you can voluntarily contribute additional amounts starting at ₱500/month, earning higher dividends than regular mandatory savings.
When must employers remit Pag-IBIG contributions?
On or before the 10th day of the month following the applicable month. Late remittances incur penalties.
Also See
Check our SSS Contribution Table 2026 for updated SSS rates, or use our PSSLAI Loan Calculator for loan computations.
Last updated: April 2026. Always verify current rates at pagibigfund.gov.ph. Finance Max is not affiliated with the official Pag-IBIG Fund.
