If your payslip shows a Pag-IBIG deduction and you are not sure if the amount is correct, this guide is for you. We break down the complete Pag-IBIG contribution table for 2025 and 2026, with computation examples, the difference between regular savings and MP2, and how to check your balance online.
Pag-IBIG Fund (officially HDMF, or Home Development Mutual Fund) is not just a mandatory deduction — it is a savings program that earns dividends, builds your housing loan eligibility, and gives you access to multi-purpose loans when you need them.
Key Facts: Pag-IBIG Contribution 2025–2026
- Maximum Fund Salary (MFS): ₱10,000 (updated from ₱5,000 effective February 2024 under HDMF Circular No. 460)
- Maximum mandatory contribution: ₱200/month per employee + ₱200/month employer share = ₱400 total
- Rate: 1% for compensation of ₱1,500 and below; 2% for over ₱1,500 (employee share)
- Employer share: Always 2% of the employee’s monthly compensation, capped at ₱200
- 2025 Regular Savings Dividend: 6.62% — highest in Pag-IBIG’s 45-year history
- 2025 MP2 Dividend Rate: 7.12% — also a record high, and tax-free
- Rate changes in 2026? None. Contribution rates remain unchanged.
Pag-IBIG Contribution Table 2025–2026
The contribution structure is straightforward: a two-tier rate based on your monthly compensation, with a cap once your salary exceeds the Maximum Fund Salary of ₱10,000.
| Monthly Compensation | Employee Rate | Employee Share | Employer Rate | Employer Share |
|---|---|---|---|---|
| ₱1,500 and below | 1% | ₱15.00 | 2% | ₱30.00 |
| Over ₱1,500 – ₱10,000 | 2% | ₱30.01 – ₱200.00 | 2% | ₱30.01 – ₱200.00 |
| Over ₱10,000 (capped at MFS) | 2% | ₱200.00 (MAXIMUM) | 2% | ₱200.00 (MAXIMUM) |
Note: The Maximum Fund Salary (MFS) cap is ₱10,000. No matter how high your salary is, the maximum mandatory contribution is ₱200 for you and ₱200 for your employer. Source: HDMF Circular No. 460.
How to Compute Your Pag-IBIG Contribution
Computing your monthly Pag-IBIG contribution takes just two steps:
- Identify your monthly compensation (basic salary). If it is above ₱10,000, use ₱10,000 as the base.
- Apply the rate: 1% if compensation is ₱1,500 or below; 2% if above ₱1,500.
Computation Examples
| Monthly Salary | Compensation Used | Rate | Employee Pays | Employer Pays |
|---|---|---|---|---|
| ₱1,000 | ₱1,000 (below ₱1,500) | 1% | ₱10.00 | ₱20.00 |
| ₱5,000 | ₱5,000 | 2% | ₱100.00 | ₱100.00 |
| ₱10,000 | ₱10,000 (MFS cap) | 2% | ₱200.00 | ₱200.00 |
| ₱20,000 | ₱10,000 (capped) | 2% | ₱200.00 | ₱200.00 |
| ₱50,000+ | ₱10,000 (capped) | 2% | ₱200.00 | ₱200.00 |
Pag-IBIG Contributions for OFWs
All OFWs are required to maintain their Pag-IBIG membership. The Department of Migrant Workers will not issue an Overseas Employment Certificate (OEC) without proof of Pag-IBIG contributions.
| OFW Type | Contribution | Employer Share |
|---|---|---|
| With Philippine employer (seafarers) | 2% of monthly salary (capped at ₱200) | 2% — employer required to match |
| Without Philippine employer (most land-based OFWs) | 2% of monthly salary, or minimum ₱200/month | May opt to pay employer share too (per HDMF Circular 391) |
How OFWs can pay Pag-IBIG contributions:
- Virtual Pag-IBIG online portal (virtualpagibig.com) — GCash, Maya, debit/credit card
- Accredited banks: Land Bank, BDO, Metrobank, and other partner banks
- Remittance centers abroad and Philippine Overseas Labor Offices (POLOs)
- SM Business Centers, Bayad Center, M. Lhuillier, and other collecting agents
- Pay in advance for the entire duration of your contract before departure
Self-Employed and Voluntary Members
Freelancers, entrepreneurs, and professionals who are not covered by an employer can still contribute to Pag-IBIG voluntarily. Voluntary members may also pay more than the mandatory ₱200 to grow their savings and increase their loan eligibility.
- Minimum contribution: ₱200/month (equivalent to 2% of ₱10,000)
- Can I contribute more? Yes. You can voluntarily contribute above ₱200/month. Additional voluntary contributions also earn dividends and boost your housing loan eligibility.
- How to register: Visit any Pag-IBIG branch or register online at virtualpagibig.com.
Pag-IBIG for Kasambahay (Household Workers)
- If kasambahay earns ₱5,000 or below per month: Employer shoulders the full contribution (both employee and employer shares)
- If kasambahay earns above ₱5,000: Standard contribution sharing applies — employee pays 2% and employer pays 2%, both capped at ₱200 each
- Household employers must register their kasambahay with Pag-IBIG Fund
- Failure to register and remit contributions is a violation of Republic Act 10361 (Kasambahay Law)
Regular Pag-IBIG Savings vs. MP2: What’s the Difference?
Many Filipinos do not realize that Pag-IBIG offers two separate savings programs. Here is how they compare:
| Feature | Regular Pag-IBIG Savings | MP2 Savings |
|---|---|---|
| Type | Mandatory | Voluntary |
| Minimum contribution | ₱200/month (employee share) | No minimum — any amount you choose |
| Maturity / Lock-in | Accessible after separation, retirement, or disability | 5 years (fixed term) |
| 2025 Dividend Rate | 6.62% (record high) | 7.12% (record high) |
| Tax on earnings | Tax-free | Tax-free |
| Who can join? | All covered employees (mandatory) | Active Pag-IBIG members with at least 1 contribution in last 6 months |
| Best for | Housing loan eligibility and mandatory savings | Medium-term investment and higher passive income |
Pag-IBIG Loans: What You Can Borrow
Your regular Pag-IBIG contributions directly determine how much you can borrow. Here is an overview of available loans:
| Loan Type | Max Amount | Key Requirements |
|---|---|---|
| Housing Loan | Up to ₱6 million | At least 24 monthly contributions; affordability assessment |
| Multi-Purpose Loan (MPL) | Up to ₱300,000 | At least 24 contributions; 80% of savings balance or based on income |
| Calamity Loan | Up to ₱80,000 | Member residing in declared calamity area; at least 24 contributions |
| Home Improvement Loan | Up to ₱300,000 | At least 24 contributions; must own the property |
How to Pay Your Pag-IBIG Contribution
For Employers
- Log in to the Pag-IBIG Employer Online Services portal at employers.pagibigfund.gov.ph
- Generate a Payment Reference Number (PRN) or Statement of Account (SOA)
- Pay via partner banks, GCash, Maya, or over-the-counter at accredited collection partners
- Deadline: On or before the 10th to 15th day of the following month (check your employer schedule)
For Self-Employed and Voluntary Members
- Go to virtualpagibig.com and log in to your Virtual Pag-IBIG account
- Select “Pay Contributions” and generate your payment reference
- Pay via GCash, Maya, debit/credit card, or over-the-counter at Bayad Center, SM, LBC, or partner banks
- You can pay monthly, quarterly, semi-annually, or annually
How to Check Your Pag-IBIG Contributions and Balance
- Online: Log in to virtualpagibig.com — view your contribution history, total savings, and dividends credited
- Pag-IBIG Mobile App: Available on Android and iOS. Check balance, apply for loans, and pay contributions
- Branch: Visit any of the 216 Pag-IBIG branches nationwide (some open on Saturdays)
- SMS: Text PAG-IBIG MID [your 12-digit Pag-IBIG MID number] to 7927 (Smart/TNT) or 4438 (Globe/TM)
Frequently Asked Questions
What is the maximum Pag-IBIG contribution per month in 2026?
The maximum mandatory contribution is ₱200 for the employee and ₱200 for the employer, for a total of ₱400 per month. This cap applies to all employees earning ₱10,000 or more. There is no change in 2026 from the 2024–2025 schedule.
My salary is ₱30,000. Why is my Pag-IBIG deduction only ₱200?
Because Pag-IBIG contributions are capped at the Maximum Fund Salary (MFS) of ₱10,000, regardless of your actual salary. The 2% rate applied to ₱10,000 gives exactly ₱200. This is correct under HDMF Circular No. 460.
Can I withdraw my Pag-IBIG savings before retirement?
Yes, under certain conditions. You can claim your Pag-IBIG savings if you are separated from employment for at least 6 months, reach age 60 (early) or 65 (mandatory retirement), become permanently disabled or critically ill, or migrate permanently abroad. You can also access your savings to fund a housing loan.
What is the difference between Pag-IBIG regular savings and MP2?
Regular Pag-IBIG savings are mandatory, earn dividends (6.62% in 2025), and are accessible after separation or retirement. MP2 is voluntary, has a 5-year term, and earns higher dividends (7.12% in 2025), also tax-free. MP2 is ideal for members who want to save more and earn better returns.
How many contributions do I need before I can get a housing loan?
You need at least 24 monthly contributions (2 years of active contributions) to qualify for a Pag-IBIG housing loan. The loan amount will depend on your capacity to pay and the appraised value of the property.
What is the Pag-IBIG hotline?
You can reach Pag-IBIG Fund at their hotline (02) 8724-4244 or toll-free 1-800-1-724-4244 (for PLDT landlines). You can also visit pagibigfund.gov.ph or any Pag-IBIG branch.
Final Thoughts
The Pag-IBIG contribution table for 2025 and 2026 is simple: a maximum of ₱200/month from you and ₱200/month from your employer, based on a 2% rate on your salary up to the ₱10,000 MFS cap. It is a small monthly amount that builds into real savings over time.
Do not think of Pag-IBIG as just another payroll deduction. Think of it as a forced savings account with government backing, housing loan access, and competitive dividends. If you have not already enrolled in MP2, consider starting — the 7.12% tax-free return in 2025 is difficult to match anywhere else in the Philippine financial market.
Check your Pag-IBIG savings balance at virtualpagibig.com and make sure your employer is remitting your contributions correctly every month.