Pag-IBIG Contribution Table 2025

It is important that all Pag-IBIG members who pay monthly contributions have access to the Pag-IBIG Contribution Table. This is a simple table that contains the monthly compensation brackets for members and the corresponding contributions.

In order to keep track of the latest Pag-IBIG contribution amounts and avail of Pag-IBIG’s benefits, overseas Filipino workers need to keep track of the Pag-IBIG Contribution Table.

This state-owned corporation, also known as Pag-IBIG Fund in the Philippines, is primarily known for offering home loans and savings programs.

To benefit from Pag-IBIG Fund membership benefits, Filipino employees are required to pay the contribution each month.

See the table below to find out how much your Pag-IBIG contribution is each month.

Pag-IBIG Contribution Table

Salary Range per monthThe employee paysThe employer paysContribution total
₱1,500 and below1%2%3%
₱1,501 – ₱10,0002%2%4%
Above ₱10,000 (Capped)₱200₱200₱400

Employee membership savings/contributions are to be shared with their employer. As of 2025, the maximum monthly compensation that can be used to calculate the savings/contributions is based on a ₱10,000 salary.

You Can Check: Pag-IBIG Contribution Calculator

An example would be:

In the case of an employee with a salary of ₱30,000, the Pag-IBIG monthly contribution will be 2% of the ₱30,000 set maximum, which is actually ₱2,000 (calculated as ₱10,000 x 0.02). You will also receive the employer’s 2%, which is also ₱200. This amounts to 4% or $400 credited to your Pag-IBIG account.

Whenever your monthly salary exceeds ₱10,000, your contribution remains at ₱200, and the employer’s counterpart (2%) remains at ₱200, equivalent to a total contribution of ₱400.

It stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industrial, and Government.

Contributions to Pag-IBIG: How to Remit

The following steps must be followed in order to remit your Pag-IBIG contributions:

  1. Payment Order Forms (POFs) can be generated by logging into the Pag-IBIG Employer’s Online Payment Facility.
  2. There are a number of ways to pay. You can pay over-the-counter at accredited banks, through Pag-IBIG’s website, or through our collection partners.
  3. The POF must be presented at the payment venue and the payment must be made.
Pag-IBIG Contribution Table

Payment penalties for late payments

In the event of late contributions, employers and members will be charged a penalty rate of one tenth of one percent per month.

OFW Contribution Schedule for Pag-IBIG

Additionally, OFWs must adhere to Pag-IBIG contribution schedules, which can be remitted online or through accredited collection partners abroad.

Contributions to Pag-IBIG: Tracking them

The Pag-IBIG online services allow you to track your contributions to ensure they are correctly recorded. Here’s how:

  1. The official Pag-IBIG website can be found here.
  2. To log in to Pag-IBIG, use your credentials.
  3. You can view your payment history by going to the contributions section.

Contribution schedules should be kept up-to-date

If you stay up-to-date with Pag-IBIG contribution schedules, you can avoid penalties and maximize your benefits. Regular contributions can result in higher savings and better loan terms.

Conclusion

Employers and employees should understand and adhere to the Pag-IBIG contribution schedule. Regular contributions not only ensure compliance with government regulations but also provide substantial financial benefits. Ensure that you track your contributions, make your remittances on time, and enjoy the Pag-IBIG Fund’s benefits.