Pag-IBIG Contribution 2026: Table and Calculator
Quick answer: In 2026, Pag-IBIG (HDMF) contributions are 2% from the employee and 2% from the employer on a monthly fund salary of up to ₱10,000, so the maximum is ₱200 each (₱400 total). If you earn ₱1,500 or less, your share is 1% while the employer still pays 2%. You can voluntarily contribute more than ₱200 to grow your savings.
Pag-IBIG Contribution Calculator 2026
Estimate based on the 2026 Pag-IBIG rates (RA 9679) with a ₱10,000 maximum fund salary. Confirm with Pag-IBIG Fund.
Pag-IBIG Contribution Table 2026
| Monthly salary | Employee | Employer | Total |
|---|---|---|---|
| ₱1,500 and below | 1% | 2% | 3% |
| ₱5,000 | ₱100 | ₱100 | ₱200 |
| ₱8,000 | ₱160 | ₱160 | ₱320 |
| ₱10,000 and above | ₱200 | ₱200 | ₱400 |
How to Compute Your Pag-IBIG Contribution
- Use your monthly salary, up to a maximum of ₱10,000.
- Employee share: 2% (1% if you earn ₱1,500 or less).
- Employer share: 2%.
Example: ₱18,000 salary → fund salary ₱10,000 → ₱200 employee + ₱200 employer = ₱400 a month.
Kasambahay and Voluntary Contributions
- Kasambahay earning below ₱5,000: the household employer pays both shares. At ₱5,000 and above, the kasambahay and employer each pay 2%.
- Paying more: members may voluntarily contribute above the ₱200 mandatory share to build bigger Pag-IBIG savings.
- MP2 Savings: a separate voluntary 5-year savings program for members who want higher dividends.
SSS, PhilHealth and Pag-IBIG Together
For a ₱25,000 salary in 2026, the employee pays about SSS ₱1,250, PhilHealth ₱625 and Pag-IBIG ₱200 — roughly ₱2,075 a month. Compute each with our SSS Contribution Calculator and PhilHealth Contribution Calculator.
Pag-IBIG Contribution FAQs
How much is the Pag-IBIG contribution in 2026?
2% of your monthly salary from you and 2% from your employer, on a salary of up to ₱10,000 — a maximum of ₱200 each.
What is the maximum Pag-IBIG contribution?
The mandatory maximum is ₱200 from the employee and ₱200 from the employer (₱400 total). You can voluntarily contribute more.
What if I earn ₱1,500 or less?
Your share is 1% of your salary while your employer pays 2%.
Related guides and tools
- SSS Contribution Calculator 2026
- PhilHealth Contribution 2026
- SSS Contribution Table 2026
- Kasambahay SSS Contribution
Independent guide, not affiliated with Pag-IBIG Fund or SSS. Based on the 2026 HDMF contribution rates. Confirm with Pag-IBIG Fund before paying.