Payroll & Tax · Philippines
MP2 Calculator
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Enter what you save in MP2, every month or once, and when you start. See each year's dividend at the rate Pag-IBIG declared for it and what you have when the five years are up, compounded or paid out.
How to use this tool
Choose how you save, Every month or One time, and enter the amount: at least ₱500.
Pick the month and Year of your first saving. A term that runs past the last declared year uses the Rate for years not yet declared, which you can change.
Read what you have at maturity, then switch between Compounded and Paid out yearly to compare the dividends year by year.
How to use this tool
Choose how you save, Every month or One time, and enter the amount: at least ₱500.
Pick the month and Year of your first saving. A term that runs past the last declared year uses the Rate for years not yet declared, which you can change.
Read what you have at maturity, then switch between Compounded and Paid out yearly to compare the dividends year by year.
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Your MP2 savings, year by year.
MP2 earns a dividend each year at the rate the Fund declares for it. This applies each year's real rate to the months your savings were in, and an assumed rate to years not declared yet.
- Real rates, by year
- Every year from 2017 to 2025 uses its declared rate, so a past start shows what MP2 actually paid. Later years use the latest rate unless you change it.
- Compounded or paid out
- Compare leaving the dividends in, where they earn too, with having them paid to you every year.
- Monthly or one time
- Save the same amount every month for five years, or a single amount at the start. A part year earns only for the months it covers.
Frequently asked questions
What is the MP2 dividend rate for 2025?
7.12%, declared by the Pag-IBIG Fund on 27 February 2026, up from 7.10% for 2024. Regular Pag-IBIG savings earned 6.62% for the same year.
How are MP2 dividends computed?
On the savings in your account during the year, at that year's declared rate. Money saved in January earns for all twelve months; money saved in November earns for two. Saving ₱5,000 every month from January earns about ₱2,314 in the first year at 7.12%.
Which is better, compounded or yearly payout?
Compounded gives more, because each year's dividend earns dividends in the years after it. The yearly payout suits someone who wants the dividends as income along the way.
How much do I need to save in MP2?
At least ₱500 each time you save, with no maximum. You can save monthly, now and then, or once, and the savings mature five years after your first one.
Are MP2 dividends taxed?
No. MP2 dividends are tax-free, and the savings are guaranteed by the government. Withdrawing before the five years are up is allowed only for the reasons the Fund lists, so check with Pag-IBIG before planning on it.