Use this free MP2 Savings Calculator to instantly compute your Pag-IBIG MP2 maturity value using official Pag-IBIG Fund dividend rates. No login required. No signup needed. Results in seconds.
Tax-Free Returns | Official Pag-IBIG Rates | No Login Required
This free Pag-IBIG MP2 calculator shows your exact maturity value, total dividends earned, and projected growth all in one place. Enter your monthly contribution, select your duration, and get instant results.
The tool includes five tabs: Standard Calculator, Goal Planner, Comparison Tool, Withdrawal Calculator, and Historical Rates. Use each tab to plan your MP2 savings the smart way.
Philippines' Most Advanced MP2 Tool — Free & Accurate
Minimum: ₱500 per month
Compounded = dividends reinvested = higher returns
Enter your savings target — we'll tell you exactly how much to invest monthly.
See how MP2 compares to banks, mutual funds, and stocks.
See the true cost of withdrawing your MP2 savings before maturity.
Actual dividend rates declared by Pag-IBIG Fund (2016-2025)
| Year | Dividend Rate | Performance |
|---|---|---|
| 2025 | 7.12% | Excellent |
| 2024 | 7.10% | Excellent |
| 2023 | 7.05% | Excellent |
| 2022 | 7.00% | Very Good |
| 2021 | 7.00% | Very Good |
| 2020 | 6.12% | Good (COVID) |
| 2019 | 7.23% | Outstanding |
| 2018 | 7.41% | Outstanding |
| 2017 | 7.40% | Outstanding |
| 2016 | 7.42% | Outstanding |
| 10-Year Average | 6.94% | Consistently High |
MP2 Savings or Modified Pag-IBIG II is a voluntary savings program offered by the Philippine government through Pag-IBIG Fund. It gives Filipino workers a safe, tax-free way to grow their money at a higher rate than any bank savings account.
Any active Pag-IBIG member can enroll in MP2. This includes employed workers, self-employed individuals, and OFWs (Overseas Filipino Workers). You only need a valid Pag-IBIG membership to start.
The minimum contribution is ₱500 per transaction. There is no maximum — you can save as much as you want. Your money earns an annual dividend declared by Pag-IBIG Fund every year.
MP2 has a five-year maturity period. After five years, you receive your full savings plus all dividends earned — completely tax-free. According to Pag-IBIG Fund, MP2 has consistently delivered dividends above 6% every year since 2016.
MP2 is one of the best low-risk investments available to Filipino workers today. It is backed by the Philippine government and has never posted a loss in its history.
According to Pag-IBIG Fund, here are the official MP2 dividend rates from 2020 to 2025:
| Year | Dividend Rate | Status |
|---|---|---|
| 2025 | 7.12% | Latest |
| 2024 | 7.10% | Official |
| 2023 | 7.05% | Official |
| 2022 | 7.00% | Official |
| 2021 | 7.00% | Official |
| 2020 | 6.12% | Official |
| 10-Year Average Dividend Rate: 6.94% | ||
These rates are significantly higher than the average Philippine bank savings rate of 0.10% to 1.00% per year. An MP2 investor saving ₱1,000 per month for five years at 7% earns over ₱11,000 in tax-free dividends.
All dividend rates on this page are sourced from official Pag-IBIG Fund announcements.
To calculate your MP2 maturity value, follow these five steps:
MP2 Sample Computation:
| Monthly Contribution | ₱1,000 (PHP 1,000) |
| Savings Duration | 5 years |
| Dividend Rate | 7.00% |
| Total Contributions | ₱60,000 (PHP 60,000) |
| Total Dividends Earned | ₱11,592 (PHP 11,592) |
| Total Maturity Value | ₱71,592 (PHP 71,592) |
This is a Pag-IBIG MP2 sample computation for a contributor saving ₱1,000 monthly for five years. Actual results may vary based on the official dividend rate declared by Pag-IBIG Fund each year.
Use our free MP2 Calculator above to compute your exact maturity value instantly.
Yes — MP2 Savings gives significantly higher returns than bank savings in the Philippines. The average bank savings account earns 0.10% to 1% per year, while MP2 has averaged 6.94% annually over the last 10 years.
| Feature | MP2 Savings | Bank Savings |
|---|---|---|
| Annual Return | ~7% | 0.10% to 1% |
| Tax on Returns | Tax-Free | 20% withholding tax |
| Government Backed | Yes — 100% | Partial (PDIC up to ₱500K) |
| Minimum Amount | ₱500 | Varies by bank |
| Liquidity | 5-year lock-in | Anytime withdrawal |
| Best For | Long-term savings goal | Emergency fund |
MP2 is the better choice for growing your long-term savings. Keep your emergency fund in a bank account, and use MP2 for money you do not need for the next five years.
Use our Comparison Tool tab in the MP2 calculator above to see the exact difference in growth between MP2, bank savings, mutual funds, and stocks.
Yes — MP2 Savings is one of the safest investments in the Philippines. It is a government-backed savings program managed by Pag-IBIG Fund, a government financial institution established by Philippine law.
Unlike stocks or mutual funds, MP2 does not lose value. Your principal contribution is 100% protected. According to Pag-IBIG Fund records, MP2 has never posted a negative dividend rate in its entire history since 2010.
The Philippine government guarantees all Pag-IBIG Fund deposits. This means even in a financial crisis, your MP2 savings are protected. Over 14 million Filipino workers trust Pag-IBIG Fund with their savings today.
For Filipino workers and OFWs who want safe, steady growth without the risk of losing money, MP2 is the most reliable option available in the Philippines.
The minimum MP2 contribution is ₱500 per transaction. There is no maximum limit — you can contribute as much as you want per transaction. You can also make contributions monthly, quarterly, or in lump sum. According to Pag-IBIG Fund, you can contribute anytime through their official online portal, accredited banks, or over-the-counter payment channels.
The current MP2 dividend rate is 7.12% for 2025, as declared by Pag-IBIG Fund. The 2024 rate was 7.10%. Over the last 10 years, the average MP2 dividend rate is 6.94%. This rate is significantly higher than any Philippine bank savings account, which averages between 0.10% and 1.00% per year.
Yes — all MP2 dividends are 100% tax-free. The Philippine government exempts MP2 savings from income tax and final withholding tax. This tax-free benefit makes MP2 even more valuable compared to bank savings, where dividends are subject to 20% withholding tax. You receive your full maturity value — principal plus all dividends — with zero deductions.
The standard MP2 maturity period is five years. Your savings account matures exactly five years from your first contribution. After maturity, Pag-IBIG Fund releases your full savings plus all accumulated dividends. You may choose to withdraw the full amount or re-enroll for another five-year term to continue growing your savings.
Yes, but it is not recommended. Early withdrawal of MP2 means you forfeit all dividends earned. Pag-IBIG Fund will only return your principal contributions — the original amount you deposited. You will lose all interest earned during your savings period. Only withdraw early in cases of genuine financial emergency, permanent disability, or critical illness.
The official MP2 dividend rate for 2026 is 7.10%, as declared by Pag-IBIG Fund. For 2025, the rate is 7.12% — the highest rate in recent years. The 10-year average MP2 dividend rate is 6.94%. These rates are significantly higher than Philippine bank savings rates, which average between 0.10% and 1.00% per year.
You can calculate your MP2 dividend instantly using our free MP2 Calculator above. Simply enter your monthly contribution, select your savings duration, and choose your dividend rate. The calculator shows your exact total dividends earned and final maturity value. For a manual estimate: ₱1,000 per month for 5 years at 7% earns approximately ₱11,592 in total dividends.
Yes, you can withdraw MP2 after 1 year but you will forfeit all dividends earned. Pag-IBIG Fund will only return your principal contributions — the exact amount you deposited with zero earnings. Early withdrawal is only recommended in cases of genuine financial emergency, permanent disability, or critical illness. Waiting until full 5-year maturity gives you 100% of your dividends.
Yes — MP2 withdrawal can be requested online through the Virtual Pag-IBIG portal at pagibigfund.gov.ph. You need to log in to your Virtual Pag-IBIG account, submit a withdrawal request, and provide your bank account details for the fund transfer. Processing typically takes 5 to 10 banking days after approval. Your account must be fully matured before online withdrawal is available.
Yes — MP2 is one of the best investment options for Filipino workers and OFWs. It offers government-backed security, tax-free returns averaging 6.94% per year, and a low minimum contribution of just ₱500. It consistently outperforms bank savings, time deposits, and even some mutual funds. The only tradeoff is the 5-year lock-in period, making it ideal for money you do not need in the short term.
MP2 savings has a maturity period of 60 months — exactly 5 years. Your account starts from the date of your first contribution and matures after 60 monthly cycles. You do not need to contribute every single month — contributions can be made monthly, quarterly, or as a lump sum. The 5-year term begins regardless of how frequently you contribute.
Our free Pag-IBIG MP2 savings calculator gives you instant, accurate results — no account needed, no personal information required. Enter your contribution amount and see exactly how much your MP2 savings will grow in five years.
Whether you are a first-time investor or an OFW planning your financial future, this MP2 calculator helps you make smarter savings decisions today. Use official Pag-IBIG dividend rates and see your real maturity value in seconds.
