Pag-IBIG MP2 Calculator 2026
Estimate how your MP2 savings could grow under different rate assumptions.
Step 1, Your plan
This plan assumes a deposit of at least ₱500 each month.
Projection (years)
Each account matures after 5 years. Longer projections assume reinvestment in a new account.
Assumed annual dividend rate
Choose a scenario, not a guaranteed rate.
Projected balance after 5 years
₱35,813
From ₱30,000 contributed plus ₱5,813 in tax-free dividends, using an assumed 7% annual rate and year-end dividend reinvestment.
Plan summary
Principal
₱500 /mo
Term
5 years
Assumed annual dividend rate
7% / yr
Projected balance
₱35,813
Year-by-year schedule
How your money grows
- Year 1
- Contributed: ₱6,000
- Dividends: +₱227.50
- Balance: ₱6,228
- Year 2
- Contributed: ₱12,000
- Dividends: +₱663.43
- Balance: ₱12,891
- Year 3
- Contributed: ₱18,000
- Dividends: +₱1,129.86
- Balance: ₱20,021
- Year 4
- Contributed: ₱24,000
- Dividends: +₱1,628.96
- Balance: ₱27,650
- Year 5
- Contributed: ₱30,000
- Dividends: +₱2,162.98
- Balance: ₱35,813
Projection assumes deposits at the start of each month and a constant 7% annual dividend rate, credited at year end. Actual rates and payment dates vary. Longer projections assume all proceeds are reinvested in a new MP2 account every five years with no delay; renewal is not automatic.
How it works
What is Pag-IBIG MP2?
MP2 (Modified Pag-IBIG II) is a voluntary savings program from Pag-IBIG Fund (HDMF). Dividend rates are declared each year and are not guaranteed. The rates above are illustrative scenarios.
An MP2 account has a five-year term. Early withdrawal is subject to Pag-IBIG conditions and may reduce dividends. This projection assumes dividends remain invested and are credited at year end. Continuing after maturity requires a new account.
Why MP2 is popular
- Variable returns
- Rates depend on the Fund’s annual declaration; compare current terms before choosing.
- Tax-free dividends
- Not subject to the 20% withholding tax on bank interest.
- Government-backed
- Your savings sit with HDMF, a state-owned fund.
- Low entry
- Savings start at ₱500; this calculator assumes monthly deposits.
- Easy to fund
- Pay through GCash, Maya, or over-the-counter at any Pag-IBIG branch.
Source: Pag-IBIG MP2 enrollment terms. Projections do not guarantee returns or automatic renewal.