Pag-IBIG Contribution Calculator 2026
In 2026 employees contribute 2% of their monthly salary to Pag-IBIG (1% if they earn ₱ 1,500 or less) and employers 2%, on salary up to ₱ 10,000. On a ₱ 20,000 salary that is ₱ 200.00 from the employee and ₱ 200.00 from the employer each month.
Tables: 2026
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Result
Employee total
₱ 200.00
Tables: 2026
| Salary used (up to the maximum fund salary) | ₱ 10,000.00 |
|---|---|
| Employee mandatory share | ₱ 200.00 |
| Voluntary upgrade | ₱ 0.00 |
| Employee total | ₱ 200.00 |
| Employer share | ₱ 200.00 |
| Total monthly contribution | ₱ 400.00 |
Notes
- Contributions are computed on the maximum fund salary of ₱ 10,000, not on your full salary.
How this was computed
Employee contribution: 1% of monthly salary if it is ₱ 1,500 or less, otherwise 2%. Employer contribution: 2%. Both apply to salary up to ₱ 10,000 (the maximum fund salary). A voluntary upgrade is added to the employee side only. Tables: 2026.
Estimate only. Not legal, tax, or financial advice.
Worked example
With a ₱ 20,000 salary, contributions are computed on ₱ 10,000.00. The employee pays ₱ 200.00 and the employer ₱ 200.00, for a total of ₱ 400.00 a month.
How it works
The calculator caps your salary at the maximum fund salary of ₱ 10,000, applies the employee rate (2%, or 1% for salaries up to ₱ 1,500) and the employer rate (2%), and adds any voluntary extra contribution to the employee side.
Employee contribution: 1% of monthly salary if it is ₱ 1,500 or less, otherwise 2%. Employer contribution: 2%. Both apply to salary up to ₱ 10,000 (the maximum fund salary). A voluntary upgrade is added to the employee side only. Tables: 2026.
Frequently asked questions
How much is the Pag-IBIG contribution in 2026?
Employees pay 2% and employers 2% of the monthly salary, up to a salary of ₱ 10,000. From that salary up, each side pays ₱ 200.00 a month.
Why is my Pag-IBIG contribution the same even if my salary is higher?
Contributions are computed on salary up to the maximum fund salary of ₱ 10,000. Salary above that is not counted, unless you choose to contribute more voluntarily.
Can I contribute more than the minimum to Pag-IBIG?
Yes. You can add a voluntary upgrade to save more with Pag-IBIG. Enter it in the calculator; the employer share does not change.
Who pays the lower 1% rate?
Employees earning ₱ 1,500 or less a month contribute 1%; everyone else contributes 2%.