The Pag-IBIG MP2 (Modified Pag-IBIG II) Savings Program is a voluntary savings scheme that allows you to grow your money with higher dividends than the regular Pag-IBIG savings. It’s perfect for savers who want a safe, government-backed investment with flexible contributions and competitive returns.
While our full MP2 guide covers everything you need to know about eligibility, dividend rates, and payout options, this page focuses on helping you estimate your potential earnings using our MP2 calculator.
Why Use This Calculator?
- Plan your savings: See how different monthly or annual contributions affect your total earnings over 5 years.
- Compare payout options: Decide whether annual dividends or compounding works best for your goals.
- Estimate growth realistically: Our monthly-aware calculations reflect how contributions actually earn dividends throughout the year.
Pag-IBIG MP2 Savings Calculator
- All contributions start in January every year.
- Monthly contributions earn dividends based on remaining months of the year (Jan = 12/12, Feb = 11/12, …, Dec = 1/12).
- Annual Payout: dividends are paid out yearly and not reinvested.
- Compounded: dividends are reinvested and grow every year.
- Historical MP2 rates usually fall between 6%–8%.
How to Use the MP2 Calculator
Our calculator is designed to make it easy to estimate your earnings over 5 years based on your contribution and expected dividend rate.
- Select contribution frequency
- Click Monthly Contribution if you plan to deposit every month.
- Click Annual Contribution if you deposit once per year.
- Enter your estimated dividend rate
- Use historical rates (5.5%–7.5%) as a reference, or your personal estimate.
- Enter your contribution amount
- Monthly amount if you selected monthly, or annual amount if you selected annual.
- View results
- The calculator shows two scenarios:
- Annual Payout: Dividends are paid out each year and not reinvested.
- Compounded / End-of-Term: Dividends are reinvested each year to maximize growth.
- A table also breaks down contributions, dividends, and total payouts by year.
- The calculator shows two scenarios:
Understanding the Assumptions
To ensure your estimate is as accurate as possible, the calculator makes a few assumptions:
- No early withdrawal: The calculator assumes you keep your MP2 account for the full 5-year term, so pre-termination scenarios are not included.
- Contributions start in January: Monthly contributions are assumed to start in January, with each month earning dividends proportional to the remaining months in the year. For example, January’s deposit earns the full annual rate, while December’s deposit earns 1/12 of the annual rate.
- Compounding is annual: For the compounded scenario, all previous contributions and dividends earn the full annual rate in subsequent years.
- Historical MP2 rates: Dividends are based on a user-defined rate; real rates may vary. Historical rates typically range from 5.5% – 7.5%.
Quick Facts About MP2
Before you start using the tool, here are some key points to keep in mind:
- Estimated rates: Historically, MP2 rates range between 5.5%–7.5%, though actual dividends depend on annual net income of the Pag-IBIG Fund.
- Membership term: 5 years per account.
- Contribution: Minimum of ₱500; can be monthly or annual.
- Dividend options:
- Annual Payout: Dividends are paid out every year and not reinvested.
- Compounded/End-of-Term: Dividends are reinvested, allowing your savings to grow faster.
- Safety: MP2 is government-backed and invested in low-risk assets, making it a secure high-yield savings program.
If you want to learn more about MP2, including eligibility, detailed dividend mechanics, and tips on maximizing your savings, check out our full MP2 guide:
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