Pag-IBIG MP2 Calculator 2026
See how much your MP2 savings will grow over time.
After 5 years at 7% dividend rate
Total value
₱36,005
Your contributions
₱30,000
Dividends earned
+₱6,005
Tax-free
Contributions (83%)Dividends (17%)
Projection based on 7% annual dividend rate compounded monthly. Actual MP2 dividend rates vary each year (historically 6-8%). Past performance is not a guarantee. Minimum ₱500/month contribution.
What is Pag-IBIG MP2?
MP2 (Modified Pag-IBIG II) is a voluntary savings program from Pag-IBIG Fund (HDMF). It consistently offers one of the highest dividend rates among government savings programs in the Philippines, historically between 6-8% per year.
The 5-year lock-in means you cannot withdraw early, but your money earns compounding dividends annually. After 5 years, you get your total contributions plus all accumulated dividends.
Why MP2 is popular
- Higher returns than most digital banks (6-8% vs 4-6%)
- Tax-free dividends (not subject to 20% withholding tax)
- Government-backed, so your money is safe
- Minimum contribution of ₱500/month
- You can contribute any time via GCash, Maya, or over-the-counter