Pag-IBIG MP2 Savings Calculator
See how much your Pag-IBIG MP2 savings could grow over the 5-year term, with tax-free dividends. Choose to reinvest or take annual payouts.
Project your MP2 savings
| Total contributions | |
|---|---|
| Dividends earned (tax-free) |
Estimate only. MP2 dividend rates are declared yearly and are not guaranteed, so actual returns will differ. Dividends are computed annually and are tax-free. Figures assume a constant rate over the term.
What is MP2?
MP2 (Modified Pag-IBIG II) is a voluntary savings program for Pag-IBIG members. It has a 5-year maturity, a low ₱500 minimum, and — its biggest draw — tax-free dividends that have historically beaten regular bank savings.
Recent MP2 dividend rates
| 2025 | 7.12% |
| 2024 | 7.10% |
| 2023 | 7.05% |
| 2022 | 6.53% |
| 2021 | 6.00% |
The rate is declared each year and is not guaranteed — use it as a guide, not a promise.
MP2 vs a digital bank savings account
MP2's ~7% tax-free return is hard to beat for money you won't need for 5 years. But it's locked in until maturity. For your emergency fund or money you might need sooner, a liquid high-yield digital bank account is the better home — even though those rates are lower and taxed. Many savers use both.
Reinvest vs annual payout
Reinvesting (compounded) adds each year's dividend back to your savings so it earns more the next year — the bigger final amount. Annual payout sends the dividend to you each year, useful if you want regular income, but it doesn't compound.
See where MP2 fits in your full budget with the Take-Home Pay Calculator, or read how Pag-IBIG contributions work.
Last updated: 2026-06-27. MP2 dividend rates are declared annually by Pag-IBIG and are not guaranteed; projections assume a constant rate. Informational only, not financial advice.