2026 rate tables
Pag-IBIG contribution table 2026.
The employee and employer rates, the ₱10,000 fund salary cap and what each side pays at common salaries.
In one paragraph
The short answer.
In 2026 the Pag-IBIG contribution is 2% from the employee and 2% from the employer, on a monthly fund salary capped at ₱10,000, so each side pays at most ₱200.00. An employee earning ₱1,500 a month or less pays 1%.
Source: HDMF Circular No. 460, Pag-IBIG fund salary ceiling of ₱10,000. Checked by Tekhx on 8 November 2026.
| Monthly salary | Employee | Employer |
|---|---|---|
| ₱1,500 and below | 1% | 2% |
| Over ₱1,500 | 2% | 2% |
| Fund salary cap | ₱10,000 | ₱10,000 |
| Monthly salary | Employee | Employer | Total |
|---|---|---|---|
| ₱1,500 | ₱15.00 | ₱30.00 | ₱45.00 |
| ₱5,000 | ₱100.00 | ₱100.00 | ₱200.00 |
| ₱8,000 | ₱160.00 | ₱160.00 | ₱320.00 |
| ₱10,000 | ₱200.00 | ₱200.00 | ₱400.00 |
| ₱15,000 | ₱200.00 | ₱200.00 | ₱400.00 |
| ₱25,000 | ₱200.00 | ₱200.00 | ₱400.00 |
| ₱50,000 | ₱200.00 | ₱200.00 | ₱400.00 |
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Work it out for one salary.
Type a salary and get the SSS, PhilHealth, Pag-IBIG and withholding tax for the employee and the employer, with every step shown.
Questions
Asked and answered.
How much is the Pag-IBIG contribution in 2026?
2% from the employee and 2% from the employer on a salary capped at ₱10,000, so ₱200 each for anyone earning ₱10,000 or more.
Can an employee contribute more than ₱200 to Pag-IBIG?
Yes. A member may choose to save more than the mandatory amount; the employer's share stays at 2% of the capped salary.
When did the Pag-IBIG contribution go up to ₱200?
In February 2024, when HDMF Circular No. 460 raised the fund salary cap from ₱5,000 to ₱10,000.