Please read this disclaimer carefully before using our calculator or relying on any information published on this website. This is an independent, educational tool — not professional financial advice.
The information provided by MP2 Savings Calculator ("we," "us," or "our") on mp2savingscalculator.net (the "Website") is for general informational and educational purposes only. All information on the Website is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Website.
⚠️ Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the Website or reliance on any information provided on the Website. Your use of the Website and your reliance on any information on the Website is solely at your own risk.
By accessing and using this Website, you acknowledge that you have read, understood, and agreed to be bound by the terms of this Disclaimer. If you do not agree with any part of this Disclaimer, please do not use this Website.
This is one of the most important things to understand about this Website. Nothing published here should be interpreted as financial advice, investment advice, legal advice, tax advice, or any other form of professional advice.
Our calculator projections are estimates. They do not constitute a recommendation to invest in MP2 or any other savings product.
Our explanations of Republic Act 9679 and Pag-IBIG rules are for educational purposes only. Consult a Philippine attorney for legal interpretation.
No content on this site recommends MP2 as superior to any other investment vehicle for your specific situation.
While MP2 dividends are tax-free under Philippine law, individual tax situations vary. Consult a certified public accountant (CPA) for tax guidance.
The content on this website has been created and compiled by an independent personal finance researcher — not a licensed financial planner, investment advisor, lawyer, or accountant. The founder's background is in research and writing, not licensed financial consulting.
📌 Our role is to educate, not advise. We help you understand how MP2 works, what the historical dividend rates have been, and what your projections might look like — so you can have a more informed conversation with qualified professionals who know your full financial situation.
Our MP2 calculator is designed to produce accurate projections based on Pag-IBIG's actual average daily balance methodology and verified historical dividend rates. However, there are important limitations you must understand:
| Projection Type | Reliability | Notes |
|---|---|---|
| Past dividend rates (2010–2024) | Verified | Cross-checked against official Pag-IBIG announcements |
| Current year projection | Estimate | Based on most recently announced rate |
| Future year projections | Assumption | Based on assumed rate — not a guarantee of future returns |
| Exact maturity payout | Estimated | Only Pag-IBIG Fund can compute your official maturity value |
✅ Our projections are within 1–3% of actual Pag-IBIG dividend payouts when using verified historical rates. This accuracy is based on using Pag-IBIG's actual average daily balance methodology, not simplified compound interest formulas. However, projections using assumed future rates are inherently speculative.
MP2 Savings Calculator is an independent, privately operated website. We have no formal relationship of any kind with the following:
🚫 We do not represent Pag-IBIG Fund. We cannot process contributions, accept payments, access your Pag-IBIG account, change your membership details, or facilitate any official Pag-IBIG Fund transactions. For all official transactions, always go directly to pagibigfund.gov.ph.
The Pag-IBIG Fund name, logo, and related trademarks are the property of the Home Development Mutual Fund of the Philippines. We use these names solely for informational reference and educational purposes, and our use does not imply any endorsement or sponsorship by Pag-IBIG Fund.
We make every reasonable effort to ensure that the information on this website is accurate, current, and complete. Our research process includes cross-referencing multiple official and reputable sources before publishing any data, particularly dividend rates and program rules.
Despite our best efforts, we cannot guarantee that all information is always perfectly accurate, complete, or up to date. Specifically:
📋 Always verify critical information directly with Pag-IBIG Fund. Before making any contribution decisions, withdrawals, or changes to your MP2 account, confirm the current rules and rates directly with Pag-IBIG Fund through their official website or branch offices.
To the fullest extent permitted by applicable law, MP2 Savings Calculator, its founder, authors, and contributors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
⚠️ Use at your own risk. You acknowledge that your use of the Website and any reliance on its content or calculator outputs is entirely at your own risk. We provide this tool "as is" without any warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.
This Website may contain links to external websites that are not operated by us. These links are provided for your reference and convenience only. We do not endorse, control, or assume responsibility for the content, accuracy, privacy practices, or availability of any linked website.
Specifically:
When you click on a link to an external site, you are leaving our Website. We strongly advise you to review the privacy policy and terms of service of every website you visit.
This Website displays advertisements served by Google AdSense, a third-party advertising program operated by Google LLC. We use advertising to help cover the operational costs of maintaining this free resource.
🔒 Our content is 100% independent. No financial institution, advertiser, or third party has ever paid us to feature, promote, recommend, or link to their products or services within our editorial content. Every statement about MP2 on this site reflects our independent research — not sponsored messaging.
If you encounter an advertisement that appears misleading, inappropriate, or in violation of Philippine consumer protection laws, you may report it directly to Google through the AdSense ad feedback mechanism visible in the ad unit, or contact us using the details on our Contact page.
We strongly encourage all users of this Website to seek the guidance of qualified professionals before making any financial decisions. While our calculator and content can help you understand the mechanics of MP2 savings, your individual financial situation is unique and requires personalized professional assessment.
✅ Recommended resources: For personalized MP2 guidance, contact Pag-IBIG Fund directly through their official helpline (02) 8724-4244 or visit any Pag-IBIG branch. For broader financial planning, seek out a certified financial planner (CFP) or a registered financial advisor licensed by the Securities and Exchange Commission (SEC) of the Philippines.
We reserve the right to modify this Disclaimer at any time. Any changes will be effective immediately upon posting to this page. We will update the "Last Updated" date at the top of this page whenever material changes are made.
Your continued use of the Website after any changes to this Disclaimer constitutes your acceptance of the updated terms. We encourage you to review this Disclaimer periodically to stay informed of any updates.
The current version of this Disclaimer is always available at: mp2savingscalculator.net/disclaimer/
If you have any questions about this Disclaimer or the information on this Website, please contact us through our Contact page. We will respond to all genuine inquiries within 30 business days.
Now that you understand our limitations and purpose, go ahead and explore what MP2 savings can realistically do for you — using verified data, transparent formulas, and zero fees.