Pag-IBIG MP2 Calculator – Plan Your Savings & Grow Your Money
The Pag-IBIG MP2 (Modified Pag-IBIG 2) Program is a voluntary savings plan for Filipinos who want higher dividends than regular Pag-IBIG savings or bank accounts. Whether you’re an employee, freelancer, OFW, or retiree, this government-backed program helps you grow your money safely and efficiently.
With our MP2 calculator, you can easily estimate your total contributions, projected dividends, and final savings over your chosen investment period—helping you plan your finances and make informed decisions.
Pag-IBIG MP2 Savings Calculator
Total Contributions
₱0.00
Total Dividends
₱0.00
Final Value
₱0.00
Annual Dividend Payout
| Year | Cumulative Savings | Dividend | Total Value |
|---|---|---|---|
| No data yet. Click “Compute” to see results. | |||
Compounded Savings
| Year | Dividend | Total Value |
|---|---|---|
| No data yet. Click “Compute” to see results. | ||
Start Your MP2 Calculation
Pag-IBIG MP2 Savings Calculator
| Field | Input |
|---|---|
| Starting Amount (₱) | 10000 |
| Monthly Contribution (₱) | 500 |
| Dividend Rate (%) | 7 |
| Years | 5 |
| Compute | Button |
Results:
Total Contributions: ₱0.00
Estimated Dividends: ₱0.00
Final Value: ₱0.00
Tables:
Annual Dividend Payout – Shows yearly dividends if withdrawn annually.
Compounded Savings – Shows growth if dividends stay invested.
Why Choose Pag-IBIG MP2?
Higher Returns than Banks – Historically 5%–8% per year.
Government-Backed Security – Your principal is safe.
Flexible Contributions – Deposit anytime, monthly or yearly.
Short Lock-In Period – Only 5 years.
Tax-Free Earnings – All dividends belong to you.
Minimum Requirements:
| Feature | Details |
|---|---|
| Minimum Deposit | ₱500 |
| Minimum Top-Up | ₱500 |
| Maximum Contribution | No fixed limit (proof of income may be required) |
| Term | 5 years |
| Dividends | Compounded or yearly payout |
| Risk Level | Very low (government-backed) |
| Tax | 100% tax-free |
| Withdrawal | After 5 years or under valid circumstances |
How MP2 Dividends Are Calculated
Your monthly contribution grows each year based on the declared dividend rate.
Dividends can be reinvested for compounding, increasing total savings faster.
The calculator displays annual dividend payouts and compounded savings for clarity.
Example:
Contributing ₱1,500 per month for 5 years at a 7% annual dividend →
Total Deposits: ₱90,000
Estimated Dividends: ₱13,220
Final Value: ₱103,220
📌 Tip: Higher contributions and reinvesting dividends maximize growth.
How to Use the MP2 Calculator
- Enter your starting amount (or initial deposit)
- Set your monthly contribution
- Input the expected annual dividend rate (we recommend using the historical average of 7%)
- Choose your investment period in years
Click Compute to see:
Total Contributions – sum of all your deposits
Estimated Dividends – projected earnings based on historical rates
Final Value – total of contributions + dividends
Example:
Contributing ₱1,500 per month for 5 years at a 7% annual dividend rate could yield a total of ₱103,220, including ₱13,220 in dividends.
Why Choose MP2 Savings?
Higher Returns than Banks: Historically 5%–8% per year.
Government-Backed Security: Your principal is safe.
Flexible Contributions: Deposit anytime, monthly or yearly.
Short Lock-In Period: Only 5 years.
Tax-Free Earnings: All dividends belong to you.
Minimum Requirements:
Feature Details Minimum Deposit ₱500 Minimum Top-Up ₱500 Maximum Contribution No fixed limit (proof of income may be required) Term 5 years Dividends Compounded or yearly payout Risk Level Very low (government-backed) Tax 100% tax-free Withdrawal After 5 years or under valid circumstances
Practical Tips to Maximize Your MP2 Earnings
Contribute regularly, even if small amounts
Reinvest dividends to grow your savings faster
Monitor declared dividend rates yearly
Combine MP2 with other savings or investments for financial security
Why MP2 Savings is Popular?
| Benefit | Details |
|---|---|
| High returns | 5–8% historical dividends |
| Government-backed | Safe & guaranteed program |
| Flexible contributions | Deposit anytime |
| Short lock-in | 5 years only |
| Tax-free earnings | 100% of gains go to you |
MP2 Contribution Guidelines
| Feature | Details |
|---|---|
| Minimum Deposit | ₱500 |
| Minimum Top-Up | ₱500 |
| Maximum Contribution | No fixed limit (proof of income may be required) |
| Term | 5 years |
| Dividends | Compounded or yearly payout |
| Risk Level | Very low (government-backed) |
| Tax | 100% tax-free |
| Withdrawal | After 5 years or under valid circumstances |
Pag-IBIG MP2 Dividend Rates (2011–2024)
| Year | Dividend Rate |
|---|---|
| 2024 | 7.10% |
| 2023 | 7.03% |
| 2022 | 7.03% |
| 2021 | 6.00% |
| 2020 | 6.12% |
| 2019 | 7.23% |
| 2018 | 7.41% |
| 2017 | 8.11% |
| 2016 | 7.43% |
| 2015 | 5.34% |
| 2014 | 4.69% |
| 2013 | 4.58% |
| 2012 | 4.67% |
| 2011 | 4.63% |
✅ Values sourced from Pag-IBIG Fund official releases
MP2 Investing Example
Example:
₱1,500 monthly × 5 years at 7.1%
| Year | Total Deposits | Dividends Earned | Balance |
|---|---|---|---|
| 1 | ₱18,000 | ₱639 | ₱18,639 |
| 2 | ₱36,000 | ₱2,085 | ₱38,085 |
| 3 | ₱54,000 | ₱4,578 | ₱58,578 |
| 4 | ₱72,000 | ₱8,240 | ₱80,240 |
| 5 | ₱90,000 | ₱13,220 | ₱103,220 |
Estimated Return: ₱13,220 profit
📌 Tip: Higher monthly deposits = bigger compounding growth
Annual Dividend Payout vs Compounded Savings
Our calculator displays two comparison tables:
- Annual Dividend Payout – shows yearly cash-out values if you prefer to withdraw dividends every year.
- Compounded Savings – shows how your earnings grow if you reinvest the dividends, ideal for long-term growth.
Both tables are always visible on the page for faster and easier access.
How MP2 Earnings Are Calculated?
Formula (Re-invested Dividends)
Formula (Monthly Contribution)
Where:
PMT = monthly deposit
r = dividend rate / 12
n = number of months
Frequently Asked Questions
Is Pag-IBIG MP2 safe during economic downturns?
Yes. MP2 is backed by the Philippine government through the Pag-IBIG Fund, which invests in housing and government securities. Dividend rates may fluctuate during economic downturns, but your capital remains safe.
What happens if I stop contributing to MP2?
Nothing bad — your account stays active.
Deposits are voluntary, and your existing savings will continue earning dividends until maturity.
Can I withdraw my MP2 before 5 years without penalty?
Yes — in certain cases:
| Reason | Allowed? | Notes |
|---|---|---|
| Retirement | ✅ | Full withdrawal allowed |
| Medical emergency | ✅ | Supporting documents may be required |
| Death (beneficiary claim) | ✅ | Paid to beneficiaries |
| Voluntary early withdrawal | ⚠️ | Dividends may be reduced |
Which is better: MP2 Monthly vs. One-Time Lump Sum?
Monthly saving = ideal for employees (consistent compounding)
Lump sum = ideal for OFWs/business owners (max earning from day 1)
For most Filipinos: Monthly contribution builds habit + higher growth over time.
Can I have multiple MP2 accounts?
Yes — you can open unlimited MP2 accounts.
Many Filipinos open 1 account per goal:
Education Fund
Retirement Fund
Emergency Reserve
House Fund
This makes tracking easier.
MP2 vs UITF vs Mutual Funds — which is better?
| Feature | MP2 | UITF/Mutual Funds |
|---|---|---|
| Risk | Very low | Low–High |
| Government guaranteed | ✅ | ❌ |
| Lock-in | 5 years | Varies |
| Returns | 6–8% (historical) | Can be higher, but not guaranteed |
MP2 = stability
UITF = growth potential + risk
Do dividends compound automatically in MP2?
Yes — if you choose “dividends retained” option.
No — if you choose annual dividend payout option.
For highest return: Reinvest dividends.
Can OFWs invest in MP2?
Yes, MP2 is popular among OFWs. You can pay via:
GCash/Maya
Bank transfer
Remittance apps
Overseas Pag-IBIG partner banks
Are MP2 earnings taxed?
No. MP2 dividends are tax-free.
Every peso you earn goes to you.
What happens after MP2 matures in 5 years?
You can choose to:
| Option | Meaning |
|---|---|
| Withdraw funds | Receive full savings + dividends |
| Roll over | Continue earning by reinvesting |
| Open new MP2 | Fresh 5-year cycle |
Many Filipinos open a new account every 5 years for compounding effect.
If I deposit ₱1,000 monthly, how much will I earn in 5 years?
“Use our calculator above — here’s a typical estimate…”
Can I use MP2 as an emergency fund?
Not recommended — MP2 has a 5-year lock-in.
Keep emergency fund in high-interest savings first.
How do I maximize MP2 earnings?
Contribute monthly
Re-invest dividends
Avoid early withdrawal
Add lump sums when possible
Start Planning Your MP2 Savings Today
Use our calculator to experiment with different contributions and periods. Plan your financial future confidently and take advantage of this safe, high-return government savings program.