MP2 Savings Calculator
A fast projection of what your monthly MP2 contribution could grow into.
Assumed dividend rate
Duration
Maturity value
₱327,759
Total Contributions
₱240,000
Total Dividends Earned
₱87,759
What this calculates
This projects the maturity value of a fixed monthly MP2 contribution, assuming dividends are reinvested and compound every month at the rate you choose. It's the fast, single-scenario version of the full MP2 Savings Planner.
How to use it
- 1
Enter a monthly contribution amount (minimum ₱500), or tap a quick-amount chip.
- 2
Pick an assumed dividend rate — try the historical range (6–7.12%) rather than just the most recent one.
- 3
Pick a duration. MP2 runs in 5-year terms, so multiples of 5 map most naturally to real account behavior.
- 4
Read the maturity value, plus the contributions-vs-dividends split below it.
How the math works
Each month, the balance grows by the monthly rate, then that month's contribution is added — a standard compounding recurrence:
Balance = Previous Balance × (1 + r) + Monthly Contribution
where r is the annual rate ÷ 12, applied every month for the full duration.
This is a simplification worth knowing about: Pag-IBIG actually credits MP2 dividends once a year, based on your average daily balance — not monthly compounding at a flat rate. Monthly compounding is a reasonable approximation over a full year, but won't match your real statement to the peso. See how MP2 dividends are actually computed for the real mechanism.
What this assumes
- One flat dividend rate for the entire duration — real rates are declared annually and have moved every year on record.
- Reinvest/compounding mode, not the annual payout option (see the MP2 Planner for that comparison).
- The exact same contribution amount, every month, without a gap.
What this doesn't check
- Pag-IBIG's real annual, average-daily-balance dividend crediting — this uses monthly compounding as an approximation instead.
- The ₱20,000,000 principal ceiling per member, or the proof-of-income requirement for large single remittances.
- MP2's actual 5-year term structure — this projects to any duration you pick, not necessarily aligned to a real account's maturity date.
Want the full picture?
Get a health score, what-if scenarios, lump sum/variable modes, and a reinvest-vs-payout comparison.
Frequently asked
How is this different from the full MP2 Savings Planner?
This calculator gives you the fast version — monthly contributions only, compounded. The full Planner adds Annual/Lump Sum/Variable modes, a health score, what-if scenarios, and a reinvest-vs-payout toggle.
What dividend rate should I assume?
MP2 dividend rates have ranged from 6.00% (2021) to 7.12% (2025) in recent years. Using a mid-range assumption like 6% gives a more conservative estimate than the most recent declared rate.
Are dividends compounding in this estimate?
Yes — this calculator assumes dividends are reinvested and compound monthly, which is the default MP2 behavior unless you choose the annual payout option.
What if I want to stop contributing partway through?
This calculator assumes a fixed monthly amount for the entire duration you select. If you plan to stop or change your contribution partway through, run two shorter calculations back-to-back instead — the balance from the first becomes a rough lump-sum starting point for the second.
What if the dividend rate changes next year?
It will — Pag-IBIG declares a new rate annually based on actual performance, and this calculator can only hold one rate flat for the whole period. Treat the result as a scenario at that specific rate, not a guarantee, and re-run it once a new rate is declared each year.
What if I want to save more than ₱20,000,000?
That's the ceiling on principal MP2 savings per member at any given time. If you're approaching it, the practical options are opening a second MP2 account or directing additional savings elsewhere — this calculator doesn't enforce that ceiling for you.
Why does the input have a ₱500 minimum?
That's Pag-IBIG's actual minimum per remittance — you can't open or fund an MP2 account below that amount, so the calculator matches the real constraint.
Pag-IBIG Fund Guide is an independent, unofficial resource — not affiliated with, endorsed by, or connected to Pag-IBIG Fund or the Philippine government. Figures above are illustrative estimates based on the inputs you provide, not a guarantee or an official Pag-IBIG computation.