How much is Pag Ibig contribution?

With all of the Pag-IBIG benefits available to members, you’ll most likely want to stay on top of your monthly Pag-IBIG contributions.

While it’s definitely easier to do if you’re a regular employee (as it’s done automatically by local employers), that doesn’t mean that freelancers, OFWs, entrepreneurs, and other professionals can’t pay their contributions.

Whether you’re a regular employee who wants to check if your monthly Pag-IBIG deductibles are correct, or want to voluntarily contribute to build up a savings or to get enough credit for a home loan in the future, here is the latest Pag-IBIG contribution table:

Regular Local Employee
Monthly CompensationPercentage of Monthly Compensation
Employee ShareEmployer Share
P1,500 and below1%2%
Over P1,5002%2%
Self-employed
Monthly CompensationContribution Rate
P1,500 and below1%
Over P1,5002%
OFW with employers subject to Pag-IBIG coverage
Monthly CompensationPercentage of Monthly Compensation
Employee ShareEmployer Share
P1,500 and below1%2%
Over P1,5002%2%
OFW with employer exempted from Pag-IBIG coverage
Monthly CompensationContribution Rate
P1,500 and below1%
Over P1,5002%
Non-working spouse
50% of Working Spouse’s Monthly CompensationContribution Rate
P1,500 and below1%
Over P1,5002%
Kasambahay
Monthly CompensationEmployee ShareEmployer Share
P1,500 and below3%0%
P1,500 to P4,9994%0%
P5,000 and above2%2%

The contributions table is pretty straightforward but to give you a better idea on just how much will be deducted from your salary, here are a couple of sample computations:

Sample computation for an employee with Php 3,000 monthly basic salary:

 Employee’s share: Php 3,000 x 0.02 = Php 60

Employer’s share: Php 3,000 x 0.02 = Php 60

Total Pag-IBIG monthly contribution: P120

Sample computation for a self-employed individual with Php 10,000 monthly basic salary:

Maximum deductible amount for Pag-IBIG: P5,000

P5,000 x 0.02 = P100

Total Pag-IBIG contribution: P100

Regardless of how much your salary is, the maximum income Pag-IBIG will consider for mandatory deductions will always be P5,000. However, you may voluntarily increase the monthly contributions if you plan to loan higher amounts from Pag-IBIG later on. 

HOW TO INCREASE MONTHLY CONTRIBUTIONS:

For employees: Discuss this with your company’s HR.

For self-employed individuals:  Simply increase your monthly contribution amounts when you pay.


Did You Know : Top 15 Free Online Learning Platforms

  1. Free Online Education Degrees : Coursera:

    Coursera partners with universities and organizations worldwide to offer a wide range of courses. While many courses are free, a fee is often required for certification.

  2. Free Online Education Degrees: edX:

    Founded by MIT and Harvard, edX offers high-quality courses from top universities and institutions around the world. Certificates are available for a fee.

  3. Free Online Education Degrees : Khan Academy:

    Khan Academy provides free educational content in various subjects, especially mathematics and science, using instructional videos and practice exercises.

  4. Free Online Education Degrees : Udacity:

    Udacity focuses on tech-related courses and nanodegree programs, offering free content as well as more in-depth paid programs.

  5. Free Online Education Degrees : MIT OpenCourseWare (OCW):

    MIT OCW provides a vast array of MIT's course content for free, covering a wide range of disciplines.

  6. Free Online Education Degrees : Harvard Extension School:

    Harvard Extension School offers a selection of free online courses. While some courses are free, others may require payment for a certificate.

  7. Free Online Education Degrees: Stanford Online:

    Stanford Online offers a variety of free courses in different disciplines, including computer science, engineering, and business.

  8. Best Free Online Courses : Carnegie Mellon Open Learning Initiative (OLI):

    OLI offers free online courses and resources designed to improve learning outcomes through research-based methodologies.

  9. Best Free Online Courses : FutureLearn:

    FutureLearn partners with universities and institutions to offer a diverse range of free online courses. Certificates are available for a fee.

  10. Best Free Online Courses: Alison:

    Alison offers a wide range of free online courses, including diploma and certificate programs, covering various subjects.

  11. Best Free Online Courses: Open Yale Courses:

    Yale University provides free access to a selection of introductory courses through Open Yale Courses.

  12. Best Free Online Courses : UC Berkeley Online:

    UC Berkeley offers free online courses on a variety of subjects, ranging from computer science to humanities.

  13. Best Free Online Courses : Google Digital Garage:

    Google Digital Garage provides free courses on digital skills, including online marketing, data analysis, and more.

  14. Best Free Online Courses : Codecademy:

    Codecademy offers free coding courses, interactive exercises, and coding projects to help individuals learn programming languages.

  15. Best Free Online Courses : LinkedIn Learning (formerly Lynda.com):

    LinkedIn Learning provides a variety of video courses on professional development, technology, and creative skills. It offers a free trial period.