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Pag-IBIG Contribution 2026: How Much You Pay and How to Pay More

Your monthly Pag-IBIG contribution goes into your Pag-IBIG Regular Savings, which earns yearly dividends. Here's how much employees, OFWs and self-employed members pay since February 2024, how to save more, and the dividend rates since 2021, from Pag-IBIG Fund's own Regular Savings page.

Written byGabrielEdited byAnnatalia
Checked 12 Oct 20263 min read5 official sourcesHow we check
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Quick answer
₱200From you (employee)
₱200From your employer
2%Of salary up to ₱10,000
6.62%2025 dividend rate

Since February 2024, the Pag-IBIG contribution is 2% of your monthly salary, up to the Maximum Fund Salary of ₱10,000. So most employees pay ₱200 a month, and their employer adds ₱200, for ₱400 in total. If you earn less than ₱10,000, you and your employer each pay 2% of what you earned (your share is 1% if you earn ₱1,500 or less). OFWs pay ₱200 (matched by ₱200 if they have a Philippine employer, like seafarers), and self-employed members pay ₱400. You may always save more. Your contributions go to your Pag-IBIG Regular Savings, which earned a 6.62% dividend for 2025, tax-free.

Pag-IBIG contribution calculator

For employees: 2% from you (1% if you earn ₱1,500 or less) and 2% from your employer, on a salary of up to ₱10,000 (the Maximum Fund Salary). You can choose to save more. Runs on your phone only; nothing is sent or saved.

Pag-IBIG contribution table 2026

From Pag-IBIG Fund's Regular Savings FAQs (effective February 2024) and the contribution rates in RA 9679, Section 7:

MemberYou payYour employer paysTotal
Employee earning ₱10,000 or more₱200₱200₱400
Employee earning over ₱1,500 but less than ₱10,0002% of your salary2% of your salary4% of your salary
Employee earning ₱1,500 or less1% of your salary2% of your salary3% of your salary
OFW₱200₱200 only if you have a Philippine employer (e.g. seafarers)₱200 or ₱400
Self-employed₱400–₱400

Earning ₱1,500 or less? RA 9679, Section 7, sets the employee share at 1% for monthly compensation of ₱1,500 or less, and 2% above that. The employer always pays 2%.

Why ₱200? It's 2% of the Maximum Fund Salary (MFS), now ₱10,000 (2% × ₱10,000 = ₱200). Before February 2024, the contribution had been ₱100 from the member and ₱100 from the employer since 1986.

Already paying ₱200 or more? Pag-IBIG says that already meets the requirement. If you're employed, in the private or public sector, your employer must put in ₱200 a month for you.

Pag-IBIG contribution table 2026: ₱200 from you and ₱200 from your employer, 2% of salary up to ₱10,000
Pag-IBIG monthly contributions since February 2024. Sources: Pag-IBIG Fund Regular Savings FAQs and RA 9679, Section 7. Tap the image to open it full size.

Examples (employees)

Monthly salaryYouEmployerTotal
₱1,500₱15₱30₱45
₱6,000₱120₱120₱240
₱8,000₱160₱160₱320
₱10,000₱200₱200₱400
₱25,000₱200₱200₱400
₱50,000₱200₱200₱400

What your contributions earn

Every contribution goes into your Pag-IBIG Regular Savings:

  • Annual dividends, credited automatically each year. Pag-IBIG's Charter requires it to return at least 70% of its annual net income as dividends to members' savings.
  • Government-guaranteed and tax-free.
  • You get it all back with dividends when your membership matures after 20 years, at retirement, or for other reasons Pag-IBIG allows.
  • Access to loans. Your savings are the basis of the Multi-Purpose Loan (up to 90% of your Regular Savings), and you need at least 24 monthly savings for a housing loan.

Regular Savings dividend rates

YearDividend rate
20256.62%
20246.60%
20236.55%
20226.53%
20215.50%

Want higher returns on extra savings? Pag-IBIG's voluntary MP2 Savings earned 7.12% for 2025.

How to pay or top up your contributions

You can always save more than the minimum. The more you save, the bigger your dividends and the more you can borrow.

Online, through Virtual Pag-IBIG:

    You can also pay through Pag-IBIG's accredited payment channels.

    Through your employer (salary deduction): fill out the Request to Upgrade Membership Savings form (PFF250) and give it to your employer.

    Not a member yet? Register online through Virtual Pag-IBIG to get your MID number first.

    Pag-IBIG Checklist (PDF)MID number, contributions, housing loan rates, Multi-Purpose Loan and MP2. Free, no sign-up.Download

    If your employer doesn't pay

    By law, an employer that fails to register you, collect your contributions or remit them to Pag-IBIG on time faces fines and penalties. If your employer isn't following the ₱200 contribution, report it at any Pag-IBIG branch, call (02) 8724-4244, or email contactus@pagibigfund.gov.ph.

    Pay only through official channels. Use Virtual Pag-IBIG, your employer or Pag-IBIG's accredited payment partners, and always pay to your own MID number.

    Official sources

    • Pag-IBIG Fund Regular Savings page (FAQs and dividend rates): pagibigfund.gov.ph
    • Virtual Pag-IBIG Pay Online: pagibigfundservices.com
    • Pag-IBIG Fund contact center: (02) 8724-4244, contactus@pagibigfund.gov.ph

    Frequently asked questions

    How much is the Pag-IBIG contribution in 2026?

    2% of your monthly salary, up to a ₱10,000 Maximum Fund Salary. For most employees that's ₱200 from you and ₱200 from your employer, ₱400 in total, as it has been since February 2024.

    How much is the Pag-IBIG contribution if I earn less than ₱10,000?

    You and your employer each pay 2% of what you earned that month. For example, on a ₱8,000 salary, you pay ₱160 and your employer pays ₱160. If you earn ₱1,500 or less, your share is 1% (RA 9679, Section 7), while your employer still pays 2%.

    How much do OFWs pay to Pag-IBIG?

    ₱200 a month since February 2024. OFWs with Philippine employers, like seafarers, also get a matching ₱200 from their employer.

    How much do self-employed members pay to Pag-IBIG?

    ₱400 a month since February 2024, up from ₱200. You can choose to save more.

    Can I pay more than ₱200 to Pag-IBIG?

    Yes. Top up online through Virtual Pag-IBIG (Pay Online, Regular Savings), through accredited payment channels, or by asking your employer to deduct more with the Request to Upgrade Membership Savings form (PFF250).

    What is the Pag-IBIG dividend rate?

    Pag-IBIG Regular Savings earned 6.62% for 2025, 6.60% for 2024, 6.55% for 2023, 6.53% for 2022 and 5.50% for 2021.

    When can I withdraw my Pag-IBIG contributions?

    Your Regular Savings and dividends are released when your membership matures after 20 years, at retirement, or for other reasons Pag-IBIG allows.

    What if my employer doesn't remit my Pag-IBIG contributions?

    Employers who don't remit face fines and penalties under the law. Report it at any Pag-IBIG branch, call (02) 8724-4244, or email contactus@pagibigfund.gov.ph.

    Pag-IBIG MID number

    Register online, verify your MID, retrieve a lost number and update records.

    Read guide

    Pag-IBIG MP2 savings

    Rates since 2021, how to open, payout options and withdrawals.

    Read guide

    Pag-IBIG Multi-Purpose Loan

    Requirements, how much you can borrow, the rate and online steps.

    Read guide

    Sources

    Last checked 12 October 2026. See how we research and the updates log.