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Pag-IBIG MP2 Calculator

Enter what you plan to save and pick a payout option. The calculator estimates your MP2 savings and dividends over the 5-year term, using Pag-IBIG's latest declared rate.

Written byGabrielEdited byAnnatalia
Checked 12 Oct 20262 min read1 official sourceHow we check

Pre-filled with Pag-IBIG's 2025 MP2 rate of 7.12%. Future rates aren't fixed: they depend on Pag-IBIG's income each year. This is an estimate on a monthly average balance, not Pag-IBIG's official computation. Runs on your phone only; nothing is sent or saved.

How it estimates

  1. Deposits: your one-time deposit goes in at the start; your monthly savings go in at the start of each of the 60 months.
  2. Dividends: each year's dividend is the rate × the average monthly balance for that year. The more you save and the earlier you save, the more you earn, which matches how Pag-IBIG describes MP2 dividends.
  3. Compounded payout: each year's dividend is added to your balance and earns dividends in later years; everything is paid at maturity.
  4. Annual payout: each year's dividend is paid to you, so your balance stays at what you deposited.

The rate is your choice. It's pre-filled with 7.12%, Pag-IBIG's declared MP2 rate for 2025. Past rates were 7.10% (2024), 7.05% (2023), 7.03% (2022) and 6.00% (2021). Future rates depend on Pag-IBIG's income each year, so try a lower rate too.

This is an estimate. Pag-IBIG computes MP2 dividends under its own rules (Circular No. 407), and the actual amount credited to your account can differ. Check your MP2 records in Virtual Pag-IBIG for the official figures.

Rules to remember

  • Minimum ₱500 per remittance, up to ₱20 million principal at any time.
  • 5-year term. Your payout choice (annual or compounded) is fixed for the account.
  • Year 5 rate: if your MP2 matures before that year's rate is declared, Pag-IBIG uses the latest declared rate.

Full details on opening, paying, claiming and early withdrawal: Pag-IBIG MP2 guide.

Frequently asked questions

How much will I earn if I save ₱1,000 a month in MP2?

At the 2025 rate of 7.12%, compounded, about ₱71,000–₱72,000 after 5 years on ₱60,000 saved, by this estimate. The actual result depends on each year's declared rate and Pag-IBIG's computation.

Is the MP2 rate fixed for 5 years?

No. Pag-IBIG declares a new rate every year based on its income. Only your choice of annual or compounded payout is fixed.

Is the calculator official?

No. It's an independent estimate using Pag-IBIG's published rates and MP2 rules. Your MP2 records in Virtual Pag-IBIG are the official figures.

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Sources

Last checked 12 October 2026. See how we research and the updates log.