Pag-IBIG Contribution Table: ₱400 a Month Explained
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Quick answer
Since February 2024 an employed Pag-IBIG member pays ₱200 a month matched by ₱200 from the employer, ₱400 in total. Self-employed members pay ₱400 on their own. OFWs pay ₱200, matched to ₱400 if they have a Philippine employer. It is 2% of the ₱10,000 Maximum Fund Salary.
Last verified
Where these figures come from
About these figures: the numbers below come from Pag-IBIG's official published sources: Pag-IBIG Fund | Regular Savings (https://www.pagibigfund.gov.ph/Membership_RegularSavings.html, retrieved 2026-08-31); Pag-IBIG Fund | Payment Channels, Regular Savings (https://www.pagibigfund.gov.ph/member_paymentsregularsavings.html, retrieved 2026-08-31). Agencies change fees and rates without notice, so confirm with Pag-IBIG before you rely on them. Last verified: 2026-08-31.
The Pag-IBIG contribution is not one number. It is ₱400 a month for most people, but who pays that ₱400 changes with your membership type, and the rule underneath all of it is 2% of a ₱10,000 Maximum Fund Salary.
The full table, by member type
Every figure below is the amount that applies since February 2024.
| Member type | Member pays | Employer pays | Total each month | Total each year |
|---|---|---|---|---|
| Employed, private or public sector | ₱200 | ₱200 | ₱400 | ₱4,800 |
| Self-employed | ₱400 | none | ₱400 | ₱4,800 |
| OFW without a Philippine employer | ₱200 | none | ₱200 | ₱2,400 |
| OFW with a Philippine employer, such as a seafarer | ₱200 | ₱200 | ₱400 | ₱4,800 |
The self-employed row is the one that catches people. The total is the same ₱400 an employed member’s account receives, but the self-employed member funds all of it, because there is no employer to match. The OFW row without a Philippine employer is the reverse: the member pays half as much, ₱200, and the account receives half as much.
Where the ₱200 comes from
Pag-IBIG sets the contribution at 2% of the Maximum Fund Salary, which it puts at ₱10,000.
2% × ₱10,000 = ₱200That ₱200 is the member’s side. An employer matches it with another ₱200, which is where ₱400 comes from.
If a member earns less than ₱10,000 in a month, Pag-IBIG states that the basis for that member’s contribution and the employer’s contribution for that month is 2% of actual earnings instead.
| Monthly earnings | Member’s 2% | Employer’s 2% | Total that month |
|---|---|---|---|
| ₱5,000 | ₱100 | ₱100 | ₱200 |
| ₱6,000 | ₱120 | ₱120 | ₱240 |
| ₱7,000 | ₱140 | ₱140 | ₱280 |
| ₱8,000 | ₱160 | ₱160 | ₱320 |
| ₱9,000 | ₱180 | ₱180 | ₱360 |
| ₱10,000 and above | ₱200 | ₱200 | ₱400 |
The table stops climbing at ₱10,000 because that is the Maximum Fund Salary. A member earning ₱15,000, ₱50,000 or ₱200,000 a month contributes the same ₱200 as one earning ₱10,000, unless they choose to save more.
What the February 2024 increase changed
| What | Before | From February 2024 | Extra per year | Extra over 20 years |
|---|---|---|---|---|
| Employed member’s own share | ₱100 | ₱200 | ₱1,200 | ₱24,000 |
| Employed member’s total, with the employer | ₱200 | ₱400 | ₱2,400 | ₱48,000 |
| Self-employed member | ₱200 | ₱400 | ₱2,400 | ₱48,000 |
| OFW member | ₱100 | ₱200 | ₱1,200 | ₱24,000 |
Pag-IBIG’s own framing of the increase is that it doubles both the monthly savings and the annual dividend earned on them, and that because Regular Savings is the basis of the Multi-Purpose Loan, it also raises what a member can borrow.
If your contribution was already ₱200 or more before February 2024, Pag-IBIG states that it already complies with the new requirement. If you are employed in either the private or public sector, your employer is required to contribute ₱200 a month for you from February 2024.
What the contributions add up to
Contributions only, at the rates above. No dividends counted, so these understate a real balance.
| Member type | 1 year | 5 years | 10 years | 20 years |
|---|---|---|---|---|
| Employed, or OFW with a Philippine employer | ₱4,800 | ₱24,000 | ₱48,000 | ₱96,000 |
| Self-employed | ₱4,800 | ₱24,000 | ₱48,000 | ₱96,000 |
| OFW without a Philippine employer | ₱2,400 | ₱12,000 | ₱24,000 | ₱48,000 |
Twenty years matters because that is 240 monthly savings, which is what Pag-IBIG defines as maturity for a Regular Savings claim. An OFW paying the ₱200 rate for those 240 months has ₱48,000 of contributions behind the claim against ₱96,000 for an employed member, before dividends.
What it earns
Pag-IBIG publishes the declared Regular Savings dividend rates, and is mandated by its Charter to return at least 70% of annual net income as dividends, credited automatically each year. Savings are government-guaranteed and tax-free.
| Year | Declared Regular Savings dividend |
|---|---|
| 2025 | 6.62% |
| 2024 | 6.60% |
| 2023 | 6.55% |
| 2022 | 6.53% |
| 2021 | 5.50% |
The Pag-IBIG Regular Savings guide has the projections, the claim grounds and the comparison against MP2, whose declared rate has run exactly 0.50 percentage points higher in each of those five years.
Where to pay
Pag-IBIG lists these partners for Regular Savings, and advises having your MID Number ready for a faster transaction. If you do not have one yet, the Pag-IBIG MID number guide covers how to get and verify it.
| Channel | Partners Pag-IBIG lists |
|---|---|
| Digital | Virtual Pag-IBIG, GCash, Maya |
| Over the counter | ECPay, Bayad Center, SM Business Center, M Lhuillier, Cebuana Lhuillier, Landbank, Metrobank, AUB |
To raise your monthly amount, Pag-IBIG offers two routes: pay the higher amount directly through Virtual Pag-IBIG with your MID Number ready, or accomplish a Request to Upgrade Membership Savings form so the larger figure comes out by salary deduction.
If your employer does not remit
Pag-IBIG states the position plainly. Under the law, an employer who refuses or fails to register members, collect the full monthly contribution and remit it on schedule is subject to fines and penalties. If your employer has not applied the February 2024 amount, Pag-IBIG says it can be reported to any Pag-IBIG office, by calling (02)87-244244, or by emailing contactus@pagibigfund.gov.ph.
What this page does not cover
Pag-IBIG does not publish, on the pages read for this page, a bracketed contribution schedule of the kind SSS issues, the penalty amounts for an employer’s failure to remit, a deadline date for monthly remittance, or the rules for household employers and kasambahay, which sit on a separate page. None of those are stated here.
Related
The Pag-IBIG Regular Savings guide covers what the contribution builds and when you can claim it. The Multi-Purpose Loan guide and the Calamity Loan guide both lend up to 90% of that balance, and the membership registration guide covers signing up in the first place.
Frequently asked questions
- How much is the Pag-IBIG contribution per month?
- ₱400 in total for an employed member: ₱200 from you, matched by ₱200 from your employer. A self-employed member pays the full ₱400 alone. An OFW pays ₱200, and if the OFW has a Philippine employer, such as a seafarer, the employer matches it at ₱200 for ₱400 in total.
- When did the contribution increase?
- February 2024. Before that an employed member paid ₱100 matched by ₱200 from the employer, a self-employed member paid ₱200, and an OFW paid ₱100.
- How is the ₱200 worked out?
- It is 2% of the Maximum Fund Salary, which Pag-IBIG sets at ₱10,000. 2% × ₱10,000 = ₱200 on each side.
- What if I earn less than ₱10,000 a month?
- Pag-IBIG states that if a member earns less than ₱10,000 in a month, the basis for both the member's and the employer's contribution for that month is 2% of actual earnings. At ₱5,000 that is ₱100 from each side, ₱200 in total.
- Can I contribute more than the required amount?
- Yes. Pag-IBIG says plainly that members may save more than the required amount, and encourages it: the bigger the savings, the bigger the base for dividends and the larger the amount you can borrow under the cash loans.
- What happens if my employer does not remit the increase?
- Pag-IBIG states that under the law an employer who refuses or fails to register members, collect the full monthly contribution and remit it on schedule faces fines and penalties. Non-compliance can be reported to any Pag-IBIG office, by calling (02)87-244244, or by emailing contactus@pagibigfund.gov.ph.
- Where can I pay?
- Digitally through Virtual Pag-IBIG, GCash and Maya, and over the counter through ECPay, Bayad Center, SM Business Center, M Lhuillier, Cebuana Lhuillier, Landbank, Metrobank and AUB. Pag-IBIG advises having your MID Number ready for a faster transaction.
- What does the contribution earn?
- Pag-IBIG declared a Regular Savings dividend of 6.62% for 2025, 6.60% for 2024, 6.55% for 2023, 6.53% for 2022 and 5.50% for 2021. Savings are government-guaranteed and tax-free.
More Pag-IBIG guides
Sources
- Pag-IBIG Fund | Regular Savings, retrieved
- Pag-IBIG Fund | Payment Channels, Regular Savings, retrieved