Pag-IBIG MP2 Calculator
Quick scenarios
| Monthly savings | 5-yr contributions | Est. total at 6.5% |
|---|---|---|
| ₱1,000 | ₱60,000 | ≈₱70,000 |
| ₱3,000 | ₱180,000 | ≈₱211,000 |
| ₱10,000 | ₱600,000 | ≈₱704,000 |
Reading your result
- The estimate assumes the compounded dividend option — the growth-maximizing choice explained in our enrollment guide.
- Dividends are approximated annually on average balance, mirroring how money added mid-year earns proportionally.
- A lump sum at the start outperforms the same total spread monthly, because the full amount earns from year one.
New to MP2 entirely? Start with the complete MP2 guide, then compare against alternatives in MP2 vs bank savings. This same calculator also lives in our tools section.
Frequently asked questions
How accurate is an MP2 calculator?
It's a planning estimate. Actual results depend on the dividend rate Pag-IBIG declares each year (not known in advance) and your exact remittance timing — but historical-range assumptions of 6–7% produce realistic projections.
How much will ₱1,000 a month become in MP2?
Roughly ₱70,000 after 5 years at a 6.5% assumed rate — ₱60,000 in contributions plus about ₱10,000 in compounded tax-free dividends.
Should I calculate with the annual payout or compounded option?
Compounded, unless you specifically need yearly income. Compounding earns dividends on dividends and produces the larger maturity amount this calculator estimates.
This article is for general information only and is not financial, investment, tax, or legal advice. Rates, fees, and program rules change — always verify with the official provider before making decisions. Full disclaimer.