If your employees are covered by SSS, you must also register with Pag-IBIG Fund. Submit the Employer's Data Form and proof that your business exists, such as a certified true copy of your DTI certificate. Since February 2024, the monthly contribution is ₱400: ₱200 from the employee, matched by ₱200 from you, based on 2% of a ₱10,000 Maximum Fund Salary.[1,2]
Who must register
Pag-IBIG lists employers of employees who are compulsorily covered by SSS among those required to register. If you have registered with SSS for your workers, Pag-IBIG comes next.[1]
Explain the deduction to each worker on the first payday, and show your matching share on the payslip next to theirs. Workers accept a deduction more easily when they can see that you are putting in the same amount. Ask new hires for their Pag-IBIG MID number on day one; if they have none yet, help them get one so you can report them correctly from their first month.
What to submit
Pag-IBIG asks for a duly accomplished Employer's Data Form and proof of business existence. A sole proprietorship gives one certified true copy of its DTI Certificate of Registration. A partnership or corporation gives certified true copies of its SEC certificate and its approved articles and by-laws.[1]
Pag-IBIG's employer page has an online registration option, and branches accept walk-in applications. Once registered, you get an employer ID that you use for every remittance. Ask for the employer's online account so you can file and pay without queuing each month.
- Employer's Data Form, filled in and signed
- Sole proprietor: certified true copy of DTI certificate
- Partnership or corporation: certified true copies of SEC certificate, articles and by-laws
- List of employees with their Pag-IBIG MID numbers, if they have them
How much you contribute
Since February 2024 the monthly Pag-IBIG contribution is ₱400, made up of ₱200 from the member matched by ₱200 from the employer. The amount is 2% of the Maximum Fund Salary, now ₱10,000. The previous ₱100 from each side had been in place since 1986.[2]
If an employee earns less than ₱10,000 in a month, both the employee's and the employer's contributions are 2% of what the employee earned that month.[2]
Example: a sari-sari store in Cavite pays its helper ₱8,000 a month. The helper's share is 2% × ₱8,000 = ₱160, and the owner adds ₱160. A second worker earning ₱15,000 pays ₱200, matched by ₱200, because pay above ₱10,000 is capped at the Maximum Fund Salary.[2]
Running Pag-IBIG every month
- Deduct on paydayTake the employee's share from salary and write it on the payslip.
- Add your shareAdd the matching employer share.
- RemitPay both shares together under your employer ID, online or at an accredited channel.
- Keep recordsFile the remittance confirmation with your payroll records for each month.
Pag-IBIG monthly contributions
| Monthly pay | Employee share | Employer share | Total |
|---|---|---|---|
| ₱8,000 (example) | ₱160 | ₱160 | ₱320 |
| ₱10,000 or more | ₱200 | ₱200 | ₱400 |
Pag-IBIG setup
- Register with SSS first, then Pag-IBIG
- Get a certified true copy of your DTI or SEC papers
- Fill in the Employer's Data Form
- Collect each worker's Pag-IBIG MID number
- Compute 2% of pay, capped at ₱200 each side
- Remit monthly and keep confirmations
Questions people ask
- Is Pag-IBIG required if I only have one employee?
- Yes, if that employee is compulsorily covered by SSS. Pag-IBIG lists employers of SSS-covered employees as required to register.
- How much is the Pag-IBIG contribution now?
- ₱400 a month for pay of ₱10,000 or more: ₱200 from the employee and ₱200 from the employer.
- What if my worker earns below ₱10,000?
- Both shares are 2% of the worker's actual pay for the month.
- What proof of business does Pag-IBIG need?
- A certified true copy of the DTI certificate for a sole proprietorship, or certified true copies of SEC documents for a partnership or corporation.
Outdated advice
Older payroll guides still say Pag-IBIG is ₱100 from the employee and ₱100 from the employer.
Now: From February 2024 it is ₱200 from the employee and ₱200 from the employer, based on a ₱10,000 Maximum Fund Salary.[2]
Sources
Checked 13 November 2026. We link the agency's own page for every requirement. Rules change; confirm with the office before you pay.
- Business Registration · Pag-IBIG Fund
- Member: Regular Savings (FAQ) · Pag-IBIG Fund