Government Savings Programmes: The Published Terms
Cross-agency · money
Quick answer
This page compares what the government savings programmes publish about themselves (term, maturity and where each rate is stated) rather than recommending one. Pag-IBIG MP2 runs a 5-year term, Regular Savings matures at 240 monthly savings, or 180 on the 15-year option.
Last verified
Where these figures come from
About these figures: the numbers below come from Cross-agency's official published sources: Pag-IBIG Fund | Acquired Assets (https://www.pagibigfund.gov.ph/AcquiredAssets.html, retrieved 2026-09-01); Social Security System | SSS Contribution Table (https://www.sss.gov.ph/sss-contribution-table/, retrieved 2026-08-31); TIEZA | Full Travel Tax (https://tieza.gov.ph/full-travel-tax/, retrieved 2026-09-01). Agencies change fees and rates without notice, so confirm with Cross-agency before you rely on them. Last verified: 2026-09-01.
This page does not recommend anything and states no returns. Dividend rates are declared periodically and change; a figure copied here would be wrong within the year. What it compares is the published structure of each programme, which does not move.
What each programme publishes about itself
| Programme | Published term | Guide |
|---|---|---|
| Pag-IBIG MP2 Savings | A 5 year term | MP2 calculator |
| Pag-IBIG Regular Savings | Matures at 240 monthly savings, or 180 on the 15 year option | - |
| SSS WISP and Flexi-Fund | Contribution-linked | SSS pension calculator |
What it costs to be in them
| Programme | Published contribution |
|---|---|
| Pag-IBIG monthly contribution | ₱400 a month since February 2024 |
| SSS monthly contribution | 15% of a Monthly Salary Credit running ₱5,000 to ₱35,000, so ₱760.00 to ₱5,280.00 |
| PhilHealth premium | A percentage of monthly income between a floor and a ceiling |
| OWWA membership | USD $25.00, valid until the contract ends or 2 years |
Why the calculators take a rate as an input
Every calculator on this site that involves a rate asks you to type it in: the MP2 calculator, the PhilHealth calculator, the SSS pension calculator and the housing loan calculator.
That is deliberate, and it is the same reason this page states no returns. A rate compiled into a page is a claim about what an agency pays today, and it goes stale silently. Typing the current figure in makes the staleness visible.
The one government “return” that is fully published
Not a savings product, but the clearest published discount schedule of any programme on this site: Pag-IBIG Acquired Assets.
| Mode | Discount | Condition |
|---|---|---|
| Cash | 30% | Paid in full within 30 days |
| Short-term installment | 20% | Up to 12 months |
| Long-term installment | 10% | Up to 30 years through a Pag-IBIG Housing Loan |
| Bulk, ₱10,000,000.00 to ₱50,000,000.00 | 40% | One-time purchase |
| Bulk, over ₱50,000,000.00 to ₱100,000,000.00 | 42% | One-time purchase |
| Bulk, over ₱100,000,000.00 | 45% | One-time purchase |
On a ₱2,000,000.00 property, cash at 30% against long-term at 10% is a difference of ₱400,000.00: a published, verifiable figure, unlike any projected return.
What this page does not cover
It states no dividend rate, no interest rate, no projected return, no ranking and no recommendation. It does not compare government programmes against private products. It is not financial advice, and it is not a substitute for advice from someone licensed to give it.
Rates are declared by the agencies themselves, Pag-IBIG for MP2 and Regular Savings, SSS for WISP, and should be read from them directly.
Related
The MP2 guide and the Regular Savings guide cover the Pag-IBIG programmes. The government loans page covers the borrowing side.
Frequently asked questions
- Which government savings programme pays best?
- This page does not rank them or recommend one. Dividend and interest rates are declared periodically by the agencies themselves, and a rate copied here would go stale. What this page compares is the published structure: term, maturity and contribution.
- How long is an MP2 term?
- 5 years. Pag-IBIG runs MP2 Savings as a 5-year programme, and this site provides an MP2 calculator that takes the dividend rate as an input rather than assuming one.
- When does Regular Savings mature?
- At 240 monthly savings, or 180 under the 15-year option, per the Pag-IBIG Regular Savings guide on this site.
- What does a Pag-IBIG contribution cost?
- ₱400 a month since February 2024.
- What does an SSS contribution cost?
- 15% of a Monthly Salary Credit running ₱5,000 to ₱35,000, so ₱760.00 to ₱5,280.00 a month.
- Why does this page not state returns?
- Because a declared dividend rate is a point-in-time figure that changes, and this site does not publish an agency figure it cannot keep current. The calculators here take the rate as an input for the same reason.
- Is this financial advice?
- No. This page sets out what each programme publishes about itself. It does not recommend, rank or predict, and it is not a substitute for advice from someone licensed to give it.
- Where do I check the current rate?
- With the agency that declares it, Pag-IBIG for MP2 and Regular Savings dividends, SSS for WISP. Both declare periodically and publish the figure themselves.
More cross-agency guides
Sources
- Pag-IBIG Fund | Acquired Assets, retrieved
- Social Security System | SSS Contribution Table, retrieved
- TIEZA | Full Travel Tax, retrieved