Pag-IBIG MP2 Dividend Calculator
Example results
| Monthly savings | 5-yr contributions | Est. total at 6.5% |
|---|---|---|
| ₱500 | ₱30,000 | ≈₱35,000 |
| ₱2,000 | ₱120,000 | ≈₱141,000 |
| ₱5,000 | ₱300,000 | ≈₱352,000 |
Notes on the math
- Assumes the compounded dividend option (dividends reinvested until maturity) — the option most savers should pick, as explained in our enrollment guide.
- Dividends are approximated on your average balance each year, since Pag-IBIG credits dividends annually and money added mid-year earns proportionally.
- Real results vary with the declared rate each year — see the full rate history.
Frequently asked questions
What dividend rate should I use in the MP2 calculator?
Use 6% for conservative planning and 7% for a typical scenario — consistent with the historical range of roughly 6–8%. The actual rate is declared by Pag-IBIG each year and is not guaranteed.
Does this calculator match Pag-IBIG's official computation exactly?
No calculator can, because actual dividends depend on the rates declared each year and the exact timing of your remittances. This tool gives a close planning estimate using annual crediting on average balance.
Is a lump sum better than monthly savings in MP2?
A lump sum at the start earns dividends on the full amount from year one, so it grows more than the same total spread monthly. If you have idle cash beyond your emergency fund, a lump sum into MP2 is efficient.
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.