Pag-IBIG MP2 Savings Calculator
Project your 5-year MP2 maturity value with an initial deposit, monthly contributions, and an editable dividend rate. The default rate is the 5-year historical average (6.75% p.a.) of declared MP2 dividends.
MP2 Maturity Projector
5-year term, dividends compounded annually.
One-time lump sum to start your MP2 account. Minimum ₱500.
Minimum ₱500/month. Leave 0 if you only want a lump sum.
Default is the 5-year historical average (6.75%). Editable — past rates do not guarantee future returns.
Historical MP2 Dividend Rates
Declared by Pag-IBIG Fund. 5-year average (2021–2025): 6.75% p.a.
| Year | Dividend Rate (p.a.) | Notes |
|---|---|---|
| 2025 | 6.55% | Included in 5-year average |
| 2024 | 7.10% | Included in 5-year average |
| 2023 | 7.05% | Included in 5-year average |
| 2022 | 7.03% | Included in 5-year average |
| 2021 | 6.00% | Included in 5-year average |
| 2020 | 6.12% | Reference only |
| 2019 | 7.23% | Reference only |
| 2018 | 7.41% | Reference only |
| 2017 | 8.11% | Reference only |
| 2016 | 7.43% | Reference only |
| 2015 | 5.32% | Reference only |
Frequently Asked Questions
What is the Pag-IBIG MP2 Savings Program?
MP2 (Modified Pag-IBIG II) is a voluntary 5-year savings program from Pag-IBIG Fund that offers higher tax-free dividends than the regular Pag-IBIG savings. It is government-backed and open to all active Pag-IBIG members.
Are MP2 dividends guaranteed?
No. MP2 dividends are declared annually based on at least 70% of Pag-IBIG Fund's net income for the year. Past rates have ranged from about 5% to over 8%, but future rates are not guaranteed.
Are MP2 dividends taxable?
No. MP2 earnings are 100% tax-free, which makes its effective yield even more attractive compared to most time deposits and bonds.
What is the term of MP2?
The MP2 maturity period is 5 years from the first contribution. You may choose to receive dividends annually as a payout, or have them compounded and paid out together with your principal at maturity.
What's the minimum and maximum contribution?
The minimum contribution is ₱500 per month. There is no maximum — you can contribute as much as you want, and you can also make lump-sum top-ups.