The Pag-IBIG Fund continues to be one of the most essential government-mandated benefits for Filipino workers, offering savings, housing loans, and financial assistance. For both employees and employers, it’s crucial to stay updated on the Pag-IBIG contribution table for 2025 to ensure compliance and accurate deductions.
In this article, we’ll break down the monthly contribution rates, who is required to pay, how much to contribute, and frequently asked questions about the Pag-IBIG Contribution Table 2025.
What is Pag-IBIG Fund?
Pag-IBIG (Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industria at Gobyerno), also known as the Home Development Mutual Fund (HDMF), is a government-run savings program in the Philippines. It provides members with access to short-term loans and affordable housing financing.
Every working Filipino is required to contribute to the Pag-IBIG Fund—this includes:
- Employees in the private and public sectors
- Self-employed individuals
- OFWs (Overseas Filipino Workers)
- Voluntary members
Pag-IBIG Contribution Table 2025
Below is the official Pag-IBIG Contribution Table for 2025, based on existing guidelines from the Pag-IBIG Fund. Contributions are based on the member’s Monthly Compensation (MC).
Pag-IBIG Contribution Table for Employees & Employers (2025)
| Monthly Compensation (MC) | Employee Share | Employer Share | Total Monthly Contribution |
|---|---|---|---|
| ₱1,500 and below | 1% | 2% | 3% |
| Over ₱1,500 | 2% | 2% | 4% |
✅ Note: The minimum monthly contribution for both employee and employer is ₱100 each, or ₱200 total.
Sample Computation (2025)
Let’s say an employee earns ₱20,000/month:
- Employee Share = ₱20,000 × 2% = ₱400
- Employer Share = ₱20,000 × 2% = ₱400
- Total Monthly Contribution = ₱800
This monthly amount is remitted to Pag-IBIG, with the employee and employer each shouldering their share.
Pag-IBIG Contributions for Voluntary Members & OFWs
Self-employed individuals, freelancers, and OFWs can also become Pag-IBIG members. Voluntary contributors can choose their Monthly Income and corresponding contribution amount, with a minimum of ₱200/month.
| Income Range | Suggested Contribution |
|---|---|
| Below ₱5,000 | ₱200 |
| ₱5,000 – ₱10,000 | ₱250 – ₱400 |
| ₱10,000 and above | ₱400 and up |
🔹 OFWs can make contributions via accredited remittance centers, bank partners, or online payment channels.
Benefits of Pag-IBIG Contributions
Why is it important to stay consistent with your Pag-IBIG contributions? Here’s what members gain access to:
🏠 Affordable Housing Loans
Pag-IBIG offers low-interest housing loans with long payment terms—ideal for first-time home buyers.
💼 Short-Term Loans
Members can apply for:
- Multi-purpose loans
- Calamity loans
With faster approval times and lower interest rates than most financial institutions.
💰 Savings & Dividends
Your monthly contributions earn annual dividends, making it a long-term savings program as well.
How to Check Your Pag-IBIG Contributions Online
To keep track of your contributions, follow these steps:
- Visit the Pag-IBIG Virtual Pag-IBIG Portal
- Register or log in to your account
- Go to “View Contribution”
- You’ll see your monthly remittances and total savings
📌 Make sure your employer is updating your records regularly to avoid discrepancies.
Frequently Asked Questions (FAQs)
✅ Is the Pag-IBIG contribution mandatory?
Yes. All employed Filipinos in the private and public sector are mandated by law to contribute to Pag-IBIG.
✅ What is the minimum monthly Pag-IBIG contribution for 2025?
The minimum is ₱100 each for the employee and employer, or ₱200 total. Voluntary members must contribute at least ₱200/month.
✅ Is there a maximum salary limit for Pag-IBIG contributions?
As of 2025, Pag-IBIG uses a maximum Monthly Compensation cap of ₱5,000 for contribution computation. However, employers and voluntary members can choose to contribute more.
✅ How do I increase my monthly contribution?
For voluntary members, simply indicate the new amount when making payments. For employed individuals, you may request a higher contribution from HR/payroll.
Final Thoughts
Understanding the Pag-IBIG Contribution Table 2025 ensures that you’re not only compliant with government requirements but also maximizing the benefits of your membership. Whether you’re employed or self-employed, consistent contributions help build a stronger financial future—with access to housing loans, savings dividends, and emergency funding.
Bookmark this page or share it with coworkers, freelancers, and OFWs to spread awareness of the Pag-IBIG Fund’s value and requirements.
For more updates, tools, and calculators on tax and government contributions in the Philippines, visit our homepage at https://philippinestaxcalculator.online.