Plan Your Financial Future with Pag-IBIG Fund
A health score, insights, and next steps for your MP2 savings and housing loan — the way an advisor would lay it out, not just a total.
- MP2 rate, 2025
- 7.12%
- Planners
- 3
- Dividend history
- 9 yrs
MP2 Passbook Preview
Live estimate
Estimated maturity value
₱0.00
at 7.12% average annual dividend
Your finances, at a glance
Sample projections computed with the same math that powers the calculators below — swap in your own numbers any time.
0%
Latest MP2 Dividend Rate
Declared for 2025, up from 7.1% in 2024
₱0
Est. MP2 Return
₱2,000/mo for 10 years at 7.12%
₱0
Est. Monthly Amortization
₱1.8M housing loan, 20 yrs at 8.5%
₱0
Retirement Projection
₱3,000/mo for 20 years, blended rate
₱0
Savings Projection
₱1,000/mo for 5 years at 7.12%
Every plan ends with a next step
Each planner pairs the math with a health score, insights, and a recommended strategy — not just a total.
MP2 Savings Planner
Full dashboard: contributions, dividends, health score, what-if scenarios, and a strategy built around your numbers.
Open plannerHousing Planner
DTI analysis, affordability score, required cash, and a step-by-step path to loan approval.
Open plannerRetirement Planner
Combine MP2, Regular Savings, and outside investments into one retirement-readiness picture.
Open plannerTime in the market does the heavy lifting
₱2,000 contributed monthly at a flat 6% assumed rate — the gold portion is dividends, not new money.
5-Year Projection
₱139,540
+₱19,540 in dividends
10-Year Projection
₱327,759
+₱87,759 in dividends
15-Year Projection
₱581,637
+₱221,637 in dividends
20-Year Projection
₱924,082
+₱444,082 in dividends
A 9-year track record
Declared MP2 and Regular Savings dividend rates, side by side. Sample figures for illustration — confirm current rates at pagibigfund.gov.ph.
MP2 vs. Regular Savings
Latest rate (2025)
7.12%
Highest, 2017
8.11%
Lowest, 2021
6%
9-year average
7.02%
| Year | MP2 Rate | Regular Savings |
|---|---|---|
| 2025 | 7.12% | 6.62% |
| 2024 | 7.10% | 6.60% |
| 2023 | 7.05% | 6.02% |
| 2022 | 7.03% | 6.00% |
| 2021 | 6.00% | 5.16% |
| 2020 | 6.12% | 5.53% |
| 2019 | 7.23% | 6.12% |
| 2018 | 7.41% | 6.19% |
| 2017 | 8.11% | 7.09% |
Learn before — and after — you calculate
Who Owns and Runs Pag-IBIG Fund?
Not a private company with shareholders — a member-owned government fund with a Board of Trustees and government oversight. Here's how it's actually governed.
How to Verify Your Employer Is Actually Remitting Your Pag-IBIG Contributions
Payroll deducting it and Pag-IBIG receiving it are two different things. Here's how to check your posted contributions actually match what's been deducted.
Why Is My TAV Different From What I Calculated?
A small mismatch between your own math and your official TAV is usually explainable — here's what typically causes it and when it's actually worth flagging.
Helping Filipinos make informed financial decisions
Through real planners, financial guides, and health-score dashboards — built so you can plan around Pag-IBIG Fund with the same clarity you'd expect from a banking app.
Meet the founderIndependent
Not affiliated with the Home Development Mutual Fund (Pag-IBIG Fund) — an independent guide built for members.
Transparent math
Every planner shows its formula and assumptions, not just a final number.
Always free
No sign-up, no paywall, no selling your contact details to loan agents.