✓ Fact-Checked & Reviewed by: Maria Santos, CPA (Payroll & Compliance Specialist)
Data Accuracy Notice: Rates and salary credit schedules on this page are verified against official 2026 HDMF government circulars. Updated for 2026 compliance.
Ultimate Pag-IBIG Contribution Table 2026 (Updated Rates & Complete Guide)
In 2026, the Pag-IBIG Fund contribution rate remains at 2%, but the Maximum Fund Salary (MFS) ceiling has been officially increased from ₱5,000 to ₱10,000. This means the maximum mandatory monthly deduction for employees is now ₱200, which is matched by an employer counterpart of ₱200, totaling ₱400 monthly. Below is the complete Pag-IBIG Contribution Table 2026 to help you accurately compute your new deductions and maximize your savings for future housing loans.
📥 Download Official 2026 Contribution Tables (Printable PDF)
Get the complete, high-resolution 2026 SSS, Pag-IBIG, and PhilHealth rate tables on a single 1-page printable cheat sheet for your HR or personal records.
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Official Pag-IBIG Contribution Table 2026 (For Employed Members)
For formally employed individuals, the financial responsibility is legally split between the employee and the employer. Here is the official breakdown based on your basic monthly compensation:
- Basic Monthly Salary: ₱1,500 and below
Employee Share: 1.0%
Employer Share: 2.0% - Basic Monthly Salary: Over ₱1,500 up to the ₱10,000 Cap
Employee Share: 2.0%
Employer Share: 2.0%
Because the MFS ceiling is strictly capped at ₱10,000, anyone earning ₱10,000 or above will only pay a maximum of ₱200 for their mandatory regular savings. Your employer should not deduct more than this amount unless you have explicitly filed a formal request to upgrade your savings.
Real-World Computations: How Much Will Be Deducted?
Scenario A: The Minimum Wage Earner
Juan earns a basic monthly salary of exactly ₱9,000. Because his salary is below the ₱10,000 cap, his deduction is based on his exact basic pay.
- Formula: ₱9,000 x 0.02 (2%) = ₱180.00
- Employee Share: ₱180.00 | Employer Share: ₱180.00
- Total Monthly Remittance to Pag-IBIG: ₱360.00
Scenario B: Corporate Workers and Executive Earners
Maria earns ₱35,000, and Carlos earns ₱180,000. Because both salaries exceed the ₱10,000 MFS limit, the computation stops at the mandated ceiling.
- Formula: ₱10,000 (Ceiling limit) x 0.02 (2%) = ₱200.00
- Employee Share: ₱200.00 | Employer Share: ₱200.00
- Total Monthly Remittance to Pag-IBIG: ₱400.00
Self-Employed, Freelancers, and Voluntary Members
If you are a freelancer, TNVS driver, or voluntary member, you do not have an employer to subsidize half of your premium, meaning you must shoulder the entire remittance amount yourself. Since the total mandated savings is ₱400 per month (based on the ₱10,000 MFS cap), self-employed and voluntary members are required to securely pay the full ₱400.00 every month under the Pag-IBIG Contribution Table 2026 to maintain active status for future loan applications.
Special Rules for Kasambahays (Domestic Workers)
Under the Kasambahay Law (Republic Act 10361), if the Kasambahay earns less than ₱5,000 a month, the employer is obligated to shoulder the entire Pag-IBIG contribution. If the Kasambahay earns ₱5,000 or more a month, the standard split applies (2% from the employer and 2% from the Kasambahay).
Can You Contribute More Than the Mandatory ₱200?
Yes. Upgrading your regular Pag-IBIG savings (P1) is an excellent way to earn tax-free dividends (historically 5% to 6% annually). To upgrade, submit a formal request to your HR department specifying the exact amount you want deducted. Note that your employer is only mandated to match the baseline of ₱200, even if you increase your personal share. Alternatively, you can open a separate Modified Pag-IBIG II (MP2) Savings Account for higher dividend yields.
How to Verify Your Employer Remittances
To ensure your employer is accurately forwarding your deductions to the agency, create a Virtual Pag-IBIG Account on the official website. Check the “Regular Savings” ledger. If the online ledger is blank despite monthly salary deductions, request an immediate reconciliation from your HR department. If discrepancies persist, you can formally request assistance from your local Pag-IBIG branch.
Disclaimer: Rates, loan limits, and guidelines are subject to change based on new HDMF circulars. Always verify your account status directly with the official Pag-IBIG Fund portal.