Pag-IBIG MP2 Savings Calculator

Project your Pag-IBIG MP2 maturity value from monthly savings and the dividend rate.

What this calculator does

You give it three things: how much you save each month, the dividend rate to assume, and how many years to run. It projects what the account is worth at the end.

The dividend rate field is deliberately empty. This site does not pre-fill agency rates, because a rate typed into a page in one year is a wrong number in the next. Type in the rate you want to test. The declared rates are in the table below.

Rates you can put in the rate box

These are the dividend rates Pag-IBIG has declared. They are official figures from the Pag-IBIG MP2 page, not estimates.

Year	Declared MP2 dividend rate
2025	7.12%
2024	7.10%
2023	7.05%
2022	7.03%
2021	6.00%

The declared rate has ranged from 6.00% to 7.12% across those five years, a spread of 1.12 percentage points. Pag-IBIG declares the rate for a year after that year has ended, so the rate your money will actually earn is not knowable when you put the money in. Running the calculator twice, once at 6.00% and once at 7.12%, gives you the realistic bracket rather than a single false number.

How the projection is worked out

Read this before you trust any figure the calculator gives back.

The arithmetic runs one year at a time. For each year it credits:

a full year of the rate on the balance carried in from earlier years, and
half a year of the rate on the money you put in during the current year.

The half-year part is there because monthly savings do not sit in the account for a full 12 months. Money paid in December has been there for 1 month by the end of the year, money paid in January for 12 months, so the average across the year is about 6 months. Crediting a full 12 months of dividend on all of it would overstate the result.

That crediting method is a model, not a sourced rule. Pag-IBIG’s actual MP2 dividend-crediting mechanics have not been confirmed with Pag-IBIG for this site. If Pag-IBIG credits on a different basis, every projected total below and every result this calculator returns moves with it.

Two further limits:

The calculator applies one rate for the whole term. Real MP2 savings run through a different declared rate every year. A 5-year run in practice uses 5 rates, and a 20-year run uses 20.
The output is an estimate for planning, not a Pag-IBIG quotation. Pag-IBIG’s own computation is what governs.

The rates on this page are official, Band B figures read from Pag-IBIG. The projections are this site’s arithmetic on those rates.

Worked example: ₱1,000 a month at 7.12%

This is the calculator’s default monthly amount over its default 5 years, at the 2025 declared rate of 7.12%.

Year	Total contributed	Dividend credited that year	Balance at year end
1	₱12,000	₱427	₱12,427
2	₱24,000	₱1,312	₱25,739
3	₱36,000	₱2,260	₱39,999
4	₱48,000	₱3,275	₱55,274
5	₱60,000	₱4,363	₱71,637

Follow year 1 through by hand to see the model working. You put in ₱12,000 during the year. Nothing was carried in, so the balance part of the dividend is zero, and the contribution part is half of 7.12% on ₱12,000, which is ₱427. The balance ends at ₱12,427.

Year 2 starts with ₱12,427 carried in. That earns a full 7.12%, which is ₱885. The ₱12,000 put in during year 2 earns half of 7.12%, which is ₱427 again. Together that is ₱1,312, and the balance ends at ₱25,739.

Over 5 years: ₱60,000 contributed, ₱11,637 in dividends, ₱71,637 projected at maturity.

Worked example: ₱2,000 a month at 7.12%

Doubling the monthly amount doubles every figure, because nothing in the model scales with size.

Year	Total contributed	Dividend credited that year	Balance at year end
1	₱24,000	₱854	₱24,854
2	₱48,000	₱2,624	₱51,478
3	₱72,000	₱4,520	₱79,998
4	₱96,000	₱6,550	₱110,548
5	₱120,000	₱8,725	₱143,274

Over 5 years: ₱120,000 contributed, ₱23,274 in dividends, ₱143,274 projected at maturity. The ₱8,725 credited in year 5 is more than ten times the ₱854 credited in year 1, on exactly the same ₱2,000 a month.

Same amount, different rate

What ₱2,000 a month for 5 years projects to at each declared rate, so you can see how much the rate assumption is doing.

Rate you enter	Projected maturity value	Of which dividend
6.00%	₱139,349	₱19,349
7.03%	₱142,955	₱22,955
7.05%	₱143,025	₱23,025
7.10%	₱143,203	₱23,203
7.12%	₱143,274	₱23,274

The whole span from the worst declared rate to the best is ₱3,925 over 5 years on ₱2,000 a month. Changing the monthly amount matters far more: ₱1,000 a month at the worst rate of 6.00% projects to ₱69,674, and ₱500 a month at the best rate of 7.12% projects to ₱35,818.

Terms longer than 5 years

MP2 matures at 5 years, so a longer run in this calculator represents opening a new account each time one matures and keeping ₱2,000 a month going at 7.12%.

The 10, 15 and 20-year rows also assume the balance from each matured term rolls straight into the next one and keeps earning, instead of being paid out and stopping. That is this site’s assumption and it has not been confirmed with Pag-IBIG.

Years entered	Contributed	Dividends	Projected value
5	₱120,000	₱23,274	₱143,274
10	₱240,000	₱105,352	₱345,352
15	₱360,000	₱270,370	₱630,370
20	₱480,000	₱552,369	₱1,032,369

Treat the 20-year line as the least reliable figure on this page. It assumes one rate holds for 20 years, when Pag-IBIG will declare 20 separate rates over that period.