Pag-IBIG Contribution Table 2026
Employee and employer shares, the ₱10,000 salary cap, and how much goes into your regular Pag-IBIG savings each month.
Updated on Oct 16, 2026 · 6 min read
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Quick answer
For a standard employee earning ₱10,000 or more a month, regular Pag-IBIG savings are ₱200 from the employee + ₱200 from the employer = ₱400 monthly. The employee rate is 1% at ₱1,500 and below, or 2% above ₱1,500; the employer rate is 2%. Both shares use a salary base capped at ₱10,000.
Monthly contribution by Fund Salary
Standard employed members · Regular Pag-IBIG I savings
| Monthly Fund Salary | Employee share | Employer share (2%) | Total monthly savings |
|---|---|---|---|
| ₱1,000.00 | ₱10.00 | ₱20.00 | ₱30.00 |
| ₱1,500.00 | ₱15.00 | ₱30.00 | ₱45.00 |
| ₱1,501.00 | ₱30.02 | ₱30.02 | ₱60.04 |
| ₱2,000.00 | ₱40.00 | ₱40.00 | ₱80.00 |
| ₱3,000.00 | ₱60.00 | ₱60.00 | ₱120.00 |
| ₱5,000.00 | ₱100.00 | ₱100.00 | ₱200.00 |
| ₱7,500.00 | ₱150.00 | ₱150.00 | ₱300.00 |
| ₱10,000.00 | ₱200.00 | ₱200.00 | ₱400.00 |
| ₱15,000.00 | ₱200.00 | ₱200.00 | ₱400.00 |
| ₱20,000.00 | ₱200.00 | ₱200.00 | ₱400.00 |
| ₱30,000.00 | ₱200.00 | ₱200.00 | ₱400.00 |
| ₱50,000.00 | ₱200.00 | ₱200.00 | ₱400.00 |
The 1% employee rate applies only at ₱1,500 and below. Figures are monthly and rounded to centavos. Salaries above ₱10,000 use the ₱10,000 cap; voluntary extra savings are not included.
When the standard split does not apply
Self-employed members under mandatory coverage pay both shares. Household workers earning below ₱5,000 have both shares paid by their employer. Other earning groups, non-working spouses, voluntary members and overseas workers may have different counterpart arrangements. Confirm your membership category rather than assuming everyone must pay ₱400.
Check the savings actually credited to you
At the standard maximum, twelve posted monthly payments put ₱4,800 into your regular savings before dividends: ₱2,400 from you and ₱2,400 from your employer. Your payslip shows your deduction, not necessarily proof that the combined amount has reached Pag-IBIG. Compare it with your posted savings in Virtual Pag-IBIG.
Sources and methodology
Rates, salary cap and special-category rules: Pag-IBIG Fund Circular No. 460, sections B–C, effective February 2024. Read a copy of the circular. The table applies those rates to illustrative salaries; it is not an official Pag-IBIG-issued schedule.
How to read the Pag-IBIG contribution table
Unlike SSS, Pag-IBIG does not round your salary into fixed contribution brackets. Regular monthly savings are a percentage of your Fund Salary, capped at ₱10,000. The rows above are worked salary examples, not official salary bands.
Fund Salary includes basic salary and other allowances as defined in Circular No. 460. For a standard employee earning ₱7,500, the calculation is ₱7,500 × 2% = ₱150 from the employee, plus ₱150 from the employer. At ₱25,000, only the first ₱10,000 is used, giving ₱200 from each side.
The ₱10,000 maximum Fund Salary took effect in February 2024; it is not a new 2026 increase. Before the change, the ₱5,000 salary cap meant a usual maximum of ₱100 from each side. The current standard maximum is ₱400 combined, not a ₱400 deduction from the employee.
- Monthly employee share = capped Fund Salary × 1% for salaries up to ₱1,500, or × 2% above ₱1,500.
- Monthly employer share = capped Fund Salary × 2%. Employers must not deduct their counterpart from the employee's wages.
- You may voluntarily save more in Pag-IBIG I. Your employer is not required to match the additional amount.
- This is regular Pag-IBIG I savings. MP2 is a separate voluntary savings program and does not replace mandatory contributions.
Frequently Asked Questions
Related tools and guides
Disclaimer: This reference explains regular savings under the cited rules and is general information, not financial advice. Membership categories and payment arrangements vary. Confirm the amount with Pag-IBIG or your payroll team before paying.