Pag-IBIG Contribution 2026: Rates and How to Pay
Quick answer
Employees pay 1% of salary (if they earn PHP 1,500 or less) or 2% of salary, up to PHP 200 a month. The employer adds 2%, also up to PHP 200. These amounts come from the PHP 10,000 maximum fund salary in force since February 2024. Voluntary and self-employed members pay the same rates on their own, online or at a branch, and may save more.
What are the requirements?
- Your MID number (or RTN, if you just registered).
- For voluntary and self-employed members: the monthly amount you will pay.
- A payment channel, online or over the counter.
How much does it cost?
| Item | Amount | Notes |
|---|---|---|
| Employee share, salary PHP 1,500 or less | 1% of salary | |
| Employee share, salary above PHP 1,500 | 2% of salary | Up to PHP 200 a month |
| Employer share | 2% of salary | Up to PHP 200 a month |
| Maximum fund salary | PHP 10,000 | In force since February 2024 |
| Voluntary higher savings | Any amount above your required share | Earns the same dividends |
Try the numbers in our Pag-IBIG contribution calculator.
How do you apply, step by step?
Online
1. Log in to Virtual Pag-IBIG
Trouble signing in? See Virtual Pag-IBIG login help.
2. Choose the option to pay your membership savings
3. Enter the months you are paying for and the amount
4. Pay with a card, online banking or an e-wallet
5. Save the confirmation page and check your record after a few days
Step-by-step screens are in our guide to paying Pag-IBIG online.
Walk-in
1. Go to a Pag-IBIG branch
2. Give your MID number, the months and the amount
3. Pay and keep the official receipt
Where do you apply?
Pay online through Virtual Pag-IBIG, or visit a Pag-IBIG branch near you.
- Apply on the official website: https://www.pagibigfund.gov.ph/
- Find Pag-IBIG offices
What are the common problems and how do you fix them?
Payment not showing on your record
Wait a few working days. If it is still missing, bring your receipt to a branch.
Employer did not remit
Report it to Pag-IBIG and bring your payslips as proof.
Paid under the wrong MID number
Ask a branch to move the payment to your correct record.
Cannot log in to pay
Reset your password with these steps.
Frequently asked questions
How much is the Pag-IBIG contribution in 2026?
Employees pay 2% of salary, or 1% if they earn PHP 1,500 or less. Employers pay 2%. Each share stops at PHP 200 a month.
What is the maximum Pag-IBIG contribution per month?
The required maximum is PHP 200 from the employee and PHP 200 from the employer. You can choose to save more than this.
Why did my Pag-IBIG deduction double in 2024?
Pag-IBIG raised the maximum fund salary from PHP 5,000 to PHP 10,000 in February 2024. The 2% share on it went from PHP 100 to PHP 200.
Can I pay more than the required amount?
Yes. Extra savings go to your Pag-IBIG account and earn dividends like the rest.
Do voluntary members pay a different rate?
No. The same 1% or 2% rates apply whether you are covered through work or as a voluntary member.
Do OFWs have to pay Pag-IBIG?
Yes. Membership is mandatory for land-based and sea-based OFWs under Republic Act 9679. They pay their own contributions, usually online.
Why should I keep paying Pag-IBIG?
Your savings earn yearly dividends. Regular payments also keep you eligible for Pag-IBIG housing and multi-purpose loans.
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