Pag-IBIG MP2 Calculator 2026
See how much your MP2 savings will grow over time.
Step 1 — Your plan
Minimum ₱500 / month.
5-year lock-in minimum.
Historical range: 6 – 8%.
Projected balance after 5 years
₱36,005
From ₱30,000 contributed plus ₱6,005 in tax-free dividends, compounded monthly at 7% per year.
Plan summary
Principal
₱500 /mo
Term
5 years
Dividend rate
7% / yr
Projected balance
₱36,005
Year-by-year schedule
How your money grows
- Year 1
- Contributed: ₱6,000
- Dividends: +₱232.44
- Balance: ₱6,232
- Year 2
- Contributed: ₱12,000
- Dividends: +₱682.98
- Balance: ₱12,915
- Year 3
- Contributed: ₱18,000
- Dividends: +₱1,166.09
- Balance: ₱20,082
- Year 4
- Contributed: ₱24,000
- Dividends: +₱1,684.13
- Balance: ₱27,766
- Year 5
- Contributed: ₱30,000
- Dividends: +₱2,239.62
- Balance: ₱36,005
Projection assumes 7% annual dividend rate compounded monthly. Actual MP2 dividend rates are declared each year and have historically ranged 6 – 8%. Past performance is not a guarantee.
How it works
What is Pag-IBIG MP2?
MP2 (Modified Pag-IBIG II) is a voluntary savings program from Pag-IBIG Fund (HDMF). It has consistently paid one of the highest dividend rates of any government-backed savings programme in the Philippines – historically 6 – 8% per year.
The 5-year lock-in means you can’t withdraw early, but your money compounds annually. At maturity you get back every peso you put in, plus all the dividends earned along the way.
Why MP2 is popular
- Higher returns
- 6 – 8% vs 4 – 6% on most digital banks.
- 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
- Minimum ₱500 per month, no maximum.
- Easy to fund
- Pay through GCash, Maya, or over-the-counter at any Pag-IBIG branch.