What Is Pag-IBIG MP2 Savings Program
The Pag-IBIG MP2 Savings Program is a voluntary savings scheme offered by the Home Development Mutual Fund (HDMF). It allows members to grow their money faster through tax-free dividends that are higher than regular savings.
MP2 is ideal for OFWs who want a safe investment option in the Philippines, employees looking for short-term five-year savings, and retirees or entrepreneurs seeking passive income.
Use Our Pag-IBIG MP2 Calculator
Our Pag-IBIG MP2 Savings Calculator helps you estimate how much your savings will grow based on your monthly contributions, starting amount, and dividend rate.
You can use it to forecast your total savings after five years, compare annual dividend payouts, and see your compounded earnings with interest.
Try it here: Pag-IBIG MP2 Calculator
Example MP2 Computation (2025)
Let’s say you contribute ₱1,000 per month for five years, with an average dividend rate of 7%.
| Year | Total Contributions | Dividend Earned | Total Value (Compounded) |
|---|---|---|---|
| 1 | ₱12,000 | ₱420 | ₱12,420 |
| 2 | ₱24,000 | ₱1,330 | ₱25,330 |
| 3 | ₱36,000 | ₱2,290 | ₱38,290 |
| 4 | ₱48,000 | ₱3,470 | ₱51,470 |
| 5 | ₱60,000 | ₱4,800 | ₱64,800 |
After five years, your ₱60,000 total contribution grows to ₱64,800. That’s a ₱4,800 profit—tax-free and government-backed.
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 to Use the MP2 Calculator
Enter your initial deposit, input your monthly contribution, select your dividend rate (usually between 6%–8%), and choose your investment duration (typically five years).
Results appear instantly in the annual and compounded tables. You can adjust the values anytime to simulate different savings goals.
People Also Ask
Is the Pag-IBIG MP2 a good investment?
Yes. It’s government-guaranteed, tax-free, and has a proven track record of earning 6–8% annually—higher than most banks.
Can I withdraw my MP2 savings anytime?
Withdrawals are only allowed after five years, but early withdrawal is possible for valid reasons such as health emergencies or job loss.
What is the minimum and maximum MP2 contribution?
The minimum is ₱500 per month, and there’s no maximum limit—you can save as much as you want.
How often are MP2 dividends credited?
Dividends are declared annually, usually around March or April the following year.
How do I enroll in Pag-IBIG MP2 online?
Visit the Pag-IBIG Online Enrollment Page, fill out your MP2 form, and follow the email instructions.
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External References and Backlinks
This article is supported by credible financial sources:
Pag-IBIG Official Website
PhilStar Business on MP2 Dividend News
DOF Philippines – Savings Programs
Frequently Asked Questions (SEO Schema Ready)
What is the best way to maximize MP2 savings?
Reinvest your dividends every year through the compounded option to grow your returns faster.
Is MP2 better than a bank savings account?
Yes. MP2 typically offers five to eight times higher returns than traditional bank savings accounts, with government protection.
Can I open multiple MP2 accounts?
Yes. You can open multiple MP2 accounts to separate your savings goals—for example, one for education and another for retirement.
Is the MP2 program safe?
Absolutely. MP2 is government-backed by the HDMF (Pag-IBIG Fund) and regulated under Republic Act No. 9679.
Final Thoughts
The Pag-IBIG MP2 Savings Calculator from SuweldoCalculator.com empowers Filipinos to make smart and confident financial decisions. By showing clear, real-time results, it helps you visualize how your money grows through the MP2 program.
Whether you’re an employee, student, or OFW, MP2 is a secure, flexible, and high-yield savings program—and with Suweldo Calculator’s free tools, planning your financial future has never been easier.