We built the most accurate, transparent, and free MP2 calculator on the internet — backed by verified Pag-IBIG data and 16 years of dividend history. No login. No fees. No catch.
A simple problem turned into a comprehensive solution for over 14 million Pag-IBIG members.
It started with a simple question. How much will my MP2 savings actually be worth in 5 years?
If you have ever tried to calculate MP2 returns by hand, you know the problem. The math involves average daily balances, compounding dividends, fluctuating annual rates, and tax-free adjustments. A simple spreadsheet barely scratches the surface. Most Filipinos give up halfway through.
The existing online calculators were either oversimplified (one flat rate, no real projection) or buried inside bank promotional pages that pushed their own products. Nothing offered honest, accurate, free MP2 projections with the depth that long-term planning actually requires.
So we built one. Not as a marketing funnel. Not to sell financial products. Just as a free public tool that does the math correctly and shows Filipinos what their money can really do inside the Pag-IBIG MP2 program.
The person behind every formula, every data point, and every word on this site.
Founder & Lead Researcher
Mark is a Philippine personal finance researcher with over 8 years of experience writing about local savings programs, OFW remittances, and government-backed financial products. His work has focused on making complex financial concepts understandable for everyday Filipinos.
An active Pag-IBIG MP2 member since 2018, Mark built this calculator out of his own frustration with the lack of accurate, transparent tools available online. What began as a personal spreadsheet for tracking his own MP2 portfolio evolved into the multi-tool platform you see today.
He believes financial literacy should never come with a paywall, especially for programs that millions of Filipino workers and OFWs depend on for their long-term security. Every feature on this site was built with one question in mind: "Would this actually help someone make a better decision about their money?"
Three principles that guide every decision we make about content, calculations, and design.
Every dividend rate, every formula, and every calculation on this site is verified against official Pag-IBIG Fund announcements. No estimates passed off as facts. No approximations marketed as precision.
The calculator is 100% free. No login walls. No email capture. No upsells. We do not sell financial products and we do not earn commissions from Pag-IBIG. Just a free tool for the public good.
Every example uses Philippine pesos. Every scenario reflects how Filipino families and OFWs actually save. This site is built locally, for local users, with local context — not adapted from foreign templates.
Behind every number on this site is a transparent research process. Here is how we keep our calculator accurate.
Every dividend rate is cross-checked against Pag-IBIG Fund's official Chairman's Reports, Inquirer Business coverage, Philippine News Agency releases, and BusinessWorld articles before being published on this site.
The calculator uses Pag-IBIG's actual average daily balance methodology, not a simplified compound interest shortcut. This is why our projections stay within 1 to 3 percent of real dividend payouts.
Within 48 hours of Pag-IBIG's annual dividend announcement (typically February or March each year), our entire site is updated with the new rate, new historical entries, and revised projections.
All claims about MP2 program rules (5-year maturity, 70 percent dividend distribution rule, withdrawal penalties) are grounded in Republic Act 9679 — the HDMF Law — and verified against Pag-IBIG's current published guidelines.
No hidden agendas. No paid promotions. Just verified information and accurate tools.
All rates cross-checked against official sources
No fees, no premium tiers, no hidden costs
We never collect your personal information
Not affiliated with Pag-IBIG or any bank
Refreshed every year with new rates
All claims grounded in the HDMF Law
Mobile, tablet, and desktop optimized
Calculator, planner, comparer, and more
Calculate your projected MP2 savings in under 30 seconds. No login. No email. No catch. Just an honest tool built by Filipinos for Filipinos.