Pag-IBIG Contribution 2026: Rates and How to Pay
Quick answer
In 2026 the Pag-IBIG contribution is 2% of your monthly salary from you and 2% from your employer, up to PHP 200 each. If you earn PHP 1,500 or less, you pay 1%. Self-employed and voluntary members pay their own share online through Virtual Pag-IBIG, e-wallets, banks or branches, and can choose to save more.
Requirements
- Your MID number or RTN.
- For self-employed and voluntary members: your chosen monthly amount.
- A payment channel (online or over the counter).
Fees
| Item | Amount | Notes |
|---|---|---|
| Employee share, salary PHP 1,500 or less | 1% | |
| Employee share, salary above PHP 1,500 | 2% | |
| Employer share | 2% | |
| Maximum fund salary | PHP 10,000 | Max PHP 200 employee + PHP 200 employer |
| Voluntary upgrade | Any higher amount | Increases your savings |
Steps
Online
1. Log in to Virtual Pag-IBIG
2. Choose the contribution payment option
3. Enter the months and amount
4. Pay with a card, online bank or e-wallet
5. Save the confirmation
Check posting after a few days.
6. You can also pay through GCash or Maya using your MID number
Walk-in
1. Go to a Pag-IBIG branch, an accredited bank or a payment center
2. Give your MID number, the months and amount
3. Pay and keep the receipt
Processing time
- Online payments: usually posted within a few working days.
- Over the counter: may take longer.
Where to apply
- Apply on the official website: https://www.pagibigfund.gov.ph/
Common problems and fixes
Payment not posted
Wait a few working days, then show your receipt at a branch.
Employer did not remit
Report it to Pag-IBIG with your payslips.
Wrong MID number used
Ask a branch to transfer the payment to your correct record.
Missed months
Voluntary members can usually pay missed months.
Frequently asked questions
How much is the Pag-IBIG contribution in 2026?
Employees pay 2% of salary and employers pay 2%, up to PHP 200 each a month.
What is the minimum Pag-IBIG contribution?
For most members the minimum is PHP 200 a month.
Can I pay more than the required amount?
Yes. A higher voluntary contribution adds to your savings and dividends.
Can I pay Pag-IBIG through GCash?
Yes, GCash is an accepted channel. Use your MID number.
Do OFWs pay Pag-IBIG?
Yes. OFWs pay their own contributions, often at least PHP 200 a month.
Why should I keep paying Pag-IBIG?
Your savings earn dividends, and regular contributions let you apply for multi-purpose and housing loans.
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