Pag-IBIG MP2 Calculator – Instantly Check Your 5-Year Savings Growth
The Pag-IBIG MP2 Calculator is a free online tool. It shows how much your savings in the Modified Pag-IBIG II Program might grow in five years. You don’t need to do math on your own.
This tool gives you a quick estimate of your total value at maturity. Just enter your deposit amount, your contribution schedule, & the usual dividend rates from past years.
Use this calculator to see your potential growth clearly. It helps you make better choices about saving, even before you start putting in any money.
Pag-IBIG MP2 Calculator
Projects exactly five years. Optionally show a reinvest projection for another five years with no new contributions.
Dividends are based on average balance. First-year dividends may look smaller for monthly contributions.
⚠️Disclaimer: This calculator is provided for informational and educational purposes only. The results are based on historical average dividend rates and are not guaranteed. Actual returns may vary depending on Pag-IBIG MP2’s future performance. Always consult with Pag-IBIG Fund or a licensed financial advisor before making investment decisions.
What is Pag-IBIG MP2?
Modified Pag-IBIG II, also called MP2, is a special savings program. Pag-IBIG Fund offers it for members looking for better earnings than the usual savings. It’s totally optional.
Main Features of MP2:
- Term: It’s five years and that’s fixed.
- Minimum Deposit: ₱500 is the least per add-in.
- Maximum Deposit: No upper limit here.
- Dividend Payout: Choose yearly, or let it pile up until it ends.
- Who Can Join: Any active Pag-IBIG member, even retirees with old contributions.
- Backed by Government: Pag-IBIG Fund guarantees your savings.
Past Dividend Rates:
- 2018: 7.41%
- 2019: 7.23%
- 2020: 6.12%
- 2021: 6.00%
- 2022: 7.03%
- 2023: 7.05%
- 2024: 7.10%
These numbers can go up or down each year, depending on how the Pag-IBIG Fund did. Real earnings might be different.
Why Should You Use the Pag-IBIG MP2 Calculator?
The MP2 Calculator makes planning easy & accurate. Without it, you’d have to figure things out by hand. Lots of math, different ways to compute, and—not gonna lie—easy to mess up.
By using the calculator, you can:
- See your possible total savings after five years, including all dividends.
- Compare a one-time big deposit with monthly “slow and steady” savings.
- Play around with different amounts to reach your goals.
- Adjust your plan to hit a certain target.
Key Calculator Features
- Deposit Choices – Pick one big deposit or stick with monthly savings.
- Flexible Input – Any amount starts at ₱500.
- Quick Estimates – Calculates your principal & projected earnings in seconds.
- Realistic Results – Uses average rates from the real historical data.
- Very Simple Design – No hard settings. Anyone can use it.
How To Use the Pag-IBIG MP2 Calculator?
- Pick your deposit style – one lump sum, or monthly payments.
- Enter how much you plan to put in – at least ₱500 for every go.
- Press calculate – quick, instant projection of total savings & what you’ll earn in five years.
- Change your inputs – Try out higher or lower amounts, see which way works best for you.
Quick Example:
Say you put ₱50,000 all at once. If the average dividend is 7% yearly, you could see your money grow to over ₱70,000 after five years. That includes your deposit & all the dividends combined.
How the Pag-IBIG MP2 Calculator Works
What you enter
- Saving type — One-time (single deposit) or Monthly (same amount each month).
- Amount — Your one-time deposit or your monthly contribution.
- Dividend rate — The assumed average annual MP2 dividend you want to test (editable).
- Reinvest option — Optionally roll your Year-5 balance into a new MP2 for another 5 years (no new deposits).
What the calculator shows
- Totals (KPIs) — Total Principal (your deposits), Total Dividends (earnings), and Final Balance.
- Year-by-year table — Annual dividend and ending balance for each year.
- Graph — Your growing balance and annual dividends plotted over time.
Assumptions (for consistency)
- The projection covers exactly 5 years (one MP2 term).
- Dividends are credited annually and left in the account to compound.
- The same rate is used each year of the projection (you can change it anytime).
- If Reinvest is on, we simulate Years 6–10 using the same rate with no new deposits.
How dividends are computed
We use an average-balance method, which closely mirrors how annual dividends on savings are estimated.
If contributing monthly (money is added gradually during the year):
Dividend ≈ (Start-of-year balance + ½ × This year’s contributions) × Rate
- We approximate an average of half the year’s new contributions because they are added monthly.
- Year 1 dividends are smaller than later years because your balance is still ramping up.
If making a one-time deposit (all money is in from day one):
Dividend = Current balance × Rate
- Dividends are added to the balance each year, so you earn dividends on dividends (compounding).
What affects your results the most
- Dividend rate — The biggest driver. Try a range (e.g., 6%–8%) to stress-test your plan.
- Deposit timing — One-time deposits earn on the full amount earlier than monthly deposits.
- Compounding — Leaving dividends in grows your balance faster.
Limitations to keep in mind
- This is an estimate for planning. Actual MP2 dividends are declared yearly and can change.
- We do not model early withdrawals, missed months, or changing contribution amounts mid-year.
- We assume on-time yearly crediting and regular monthly deposits (if Monthly is chosen).
Quick examples
- Monthly: ₱5,000/month at 7.10% — Year-1 dividend is based on an average of your gradual deposits (roughly half of ₱60,000), so it’s smaller than later years but grows as your balance builds.
- One-time: ₱50,000 at 7.10% — Year-1 dividend = ₱50,000 × 7.10%; each year after earns on a higher balance due to compounding.
Using the MP2 Calculator: Pros and Cons
Good Parts of Using the Calculator
- No time wasted, it’s super fast with numbers.
- Avoids mistakes from hand calculations—trust us, it happens.
- You can test out different ways to save.
- Helps you see your future savings growth, plain as day.
Not-So-Good Parts
- Results only follow past dividend rates. The future may be different.
- Doesn’t handle early withdrawals or if you miss monthly payments.
- Assumes everything—dividends and deposits—will be steady and on time.
Tips For Bigger MP2 Earnings
- Deposit early in the year. The sooner, the better for full-year dividends.
- Want your savings to grow quicker? Pick compounded dividends instead of taking them out yearly.
- When your account matures, roll the money into a new MP2 account. That way, you keep compounding.
- Add more as you go—raising your deposit bit by bit can mean a bigger final amount, without being too hard on your wallet.
If you’re looking for a safe and reliable way to grow your money without taking big risks, the Pag-IBIG MP2 Savings Program is definitely worth considering.
With its high dividend rates, flexible contributions, and government backing, it’s a great option whether you’re just starting to save, planning for retirement, or simply looking to make your money work harder for you.
Many Filipinos, especially OFWs, young professionals, and retirees, have already made MP2 part of their financial journey. If you want to start building a more secure future, MP2 is a solid step in the right direction.
Pag-IBIG MP2 – Frequently Asked Questions
These FAQs below answer the top questions about Pag-IBIG MP2. Wondering about safety? How taxes work? If it’s PDIC-insured? Or even if it’s halal? Everything’s here. Take a little time to check these out—you’ll get the answers you need before starting your own MP2 account.
Doesn’t matter if it’s your first time to invest or if you just want to keep your money very safe. These questions and answers should help you see if MP2 is a good fit for your plans.
Yep, it’s tax-free. Whatever you earn from your MP2? No taxes for individual members, so you get all your dividends, no cuts.
Yes. It’s safe because the Pag-IBIG Fund, run by the Philippine government, backs it 100%. It’s one of the safest places in the Philippines to save.
Yes, especially if you don’t like to take big risks. The returns are much higher than what banks usually give. Government supports it, and you can get your money after 5 years—easy.
No. MP2 isn’t covered by PDIC since it’s not a bank deposit. Still, the government backs your money under the Pag-IBIG Fund, so it’s protected another way.
Nope, it’s not a mutual fund. This savings program is managed by the government and mostly invests in housing loans & government-backed things—not stocks or company shares.
No. MP2 is not a bond, although, yes, part of the money does go into government bonds. MP2 remains a savings program that gives out dividends.
No. Dividends are calculated every year (annually). You can pick if you want your payout each year, or just let it grow (compound) until it’s done after 5 years.
No. MP2 does not follow Sharia, since it gives out interest earnings. So, not halal.