Pag-IBIG Contribution Table Explained (2026)
The rule, in one sentence
Your Pag-IBIG Regular Savings contribution is 1% or 2% of your salary (employee share), matched by your employer, computed against a salary capped at ₱10,000 — so the most anyone pays is ₱200/month, regardless of how much they actually earn above that.
The table
| Monthly Salary | Rate Applied | Employee Share | Employer Share | Total |
|---|---|---|---|---|
| ₱3,000 | 2% (EE) / 2% (ER) | ₱60.00 | ₱60.00 | ₱120.00 |
| ₱8,000 | 2% (EE) / 2% (ER) | ₱160.00 | ₱160.00 | ₱320.00 |
| ₱10,000 | 2% (EE) / 2% (ER) | ₱200.00 | ₱200.00 | ₱400.00 |
| ₱20,000 | 2% (EE) / 2% (ER) | ₱200.00 | ₱200.00 | ₱400.00 |
| ₱50,000 | 2% (EE) / 2% (ER) | ₱200.00 | ₱200.00 | ₱400.00 |
Two things worth noticing in that table. First, the rate itself changes once at ₱1,500 — below that threshold it’s 1% employee / 2% employer, above it it’s 2%/2%. Second, the amount stops growing entirely once salary hits ₱10,000, because that’s the ceiling the percentage is calculated against — a Maximum Fund Salary (MFS) cap, not a cap on your actual income.
The cap doubled in 2024 — the first change in 15 years
This is worth knowing because a lot of what’s written about Pag-IBIG contributions online is stale on this exact point. From 2009 until early 2024, the ceiling sat at ₱5,000, capping the maximum contribution at ₱100 each side. HDMF Circular No. 460 doubled it to ₱10,000, effective February 2024 — meaning the real ceiling today is ₱200 employee + ₱200 employer, not the ₱100 figure still floating around in a lot of older guides and even some payroll systems that hadn’t updated. If your own payslip still shows ₱100 as the max, it’s worth confirming with HR that their system reflects the 2024 change.
Why a cap exists at all, and why MP2 fills the gap
Even at ₱10,000, the ceiling still represents a fairly modest share of many members’ actual income. That’s by design, not an oversight — Regular Savings is meant as a universal baseline, not a scalable retirement vehicle on its own. MP2 exists specifically as the uncapped counterpart: same government- backed program family, no ceiling at all — see MP2 vs. Regular Savings for how the two actually compare side by side. Members who want their Pag-IBIG savings to actually scale with their income generally do it through MP2, not by expecting Regular Savings’ capped contribution to grow further.
If you’re voluntary or self-employed
Employed members split the contribution with an employer automatically. Without an employer, a voluntary or self-employed member pays both shares — meaning the practical cost is double what an employee sees deducted from their own payslip, even though the total credited to their account is identical. Run your own numbers, including the voluntary case, in the Contribution Calculator.
What the capped contribution actually buys you
It’s easy to look at a capped ₱200/month and dismiss it — but it’s worth remembering what it’s actually doing: compounding annually at Pag-IBIG’s declared Regular Savings rate for the life of your membership, plus building the contribution history that several loan programs require before you’re eligible to borrow. It’s a foundation, not the whole strategy — which is exactly the gap MP2 and the other programs are built to fill.
This guide is educational and independent — not official Pag-IBIG Fund guidance. Figures above are illustrative and computed from this site’s current rate data, verified against HDMF Circular No. 460; confirm your own deduction directly with Pag-IBIG or your payroll office.
Frequently asked questions
Why is my Pag-IBIG deduction the same whether I earn ₱25,000 or ₱80,000?
Because the contribution rate applies to a Maximum Fund Salary (MFS) capped at ₱10,000, not your actual full salary. Once your salary reaches ₱10,000, the deduction maxes out at ₱200 (employee share) and stays flat no matter how much more you earn.
Is the employer share really mine?
Yes. The employer's matching contribution is credited to your Total Accumulated Value (TAV) alongside your own share, and earns the same dividend. It's not a fee your employer pays separately — it's money that becomes yours over time.
What if I want to save more than the ₱200 cap?
Regular Savings itself is capped by design, but MP2 is a completely separate, uncapped voluntary program with a historically higher dividend rate — most members who want to save more use MP2 for the extra amount rather than trying to raise their Regular Savings contribution.
Do voluntary or self-employed members pay a different rate?
The percentage rate is the same, but a voluntary member has no employer to split the cost with — so instead of paying only the employee share, they cover both the employee and employer share out of pocket.
When did the cap change, and will it change again?
The ceiling was ₱5,000 (a ₱100 cap) from 2009 until HDMF Circular No. 460 doubled it to ₱10,000, effective February 2024 — the first change in 15 years. Pag-IBIG can adjust it again by future circular; always confirm directly with Pag-IBIG or your HR/payroll office if something on your payslip looks different from what's shown here.
Sources
Next steps
- Run your own salary through the Contribution Calculator to see your exact employee and employer share.
- If ₱200/month feels low for your savings goals, compare it against MP2 in the MP2 Savings Planner.
Related guides
Employer Obligations & Remittance Deadlines: What Employers Must Do
Employers must remit on time — but secondary sources conflict on the exact deadline, so here's what to actually verify for your specific case.
MP2 vs. Regular Savings: Which One Should Get Your Extra ₱1,000?
Both are Pag-IBIG programs with government-backed principal — here's how the lock-in period and dividend history actually compare.
How to Verify Your Employer Is Actually Remitting Your Pag-IBIG Contributions
Payroll deducting it and Pag-IBIG receiving it are two different things. Here's how to check your posted contributions actually match what's been deducted.
What is Pag-IBIG Fund? The Complete 2026 Guide
What Pag-IBIG Fund actually does, who has to join, and how Regular Savings, MP2, and its loan programs fit together — in plain terms.
This guide is educational and does not constitute financial, tax, or legal advice. Figures are illustrative unless directly sourced and cited above. Confirm current rates and requirements with Pag-IBIG Fund before acting on anything here.