See your MP2 plan the way an advisor would
Set your numbers once — the health score, insights, and strategy recommendations below update with every change.
Assumed dividend rate
Duration
Reinvest dividends
Off models the annual payout option instead.
For illustration only. Actual MP2 dividends are declared annually and vary — seehistorical rates.
Financial Health Score
Good
Contribution Health
GoodDividend Growth
GoodInvestment Timeline
GoodContribution Timing
Spread OutProjected Earnings
GoodTotal Contributions
₱240,000.00
Final-Year Dividends
₱18,278.89
Projected Maturity Value
₱327,758.69
Total Dividends Earned
₱87,758.69
Annual Growth
14.8%
Avg. Monthly Growth
₱3,523.24
Total Yield
+37%
Goal Attainment
66%
Portfolio growth
Click a legend item to toggle a series
| Year | Contributions | Dividends | Total Value |
|---|
You're projected to earn
₱42,278.89
per year, near the end of the term
≈ ₱3,523.24 / month
≈ per month, same period
Alternative scenario
Increase by ₱1,000/month
Potential gain: +₱163,879.35
Strategy fit
A few scenarios worth comparing
₱5,000/mo instead
₱819,396.73
₱7,000/mo instead
₱1,147,155.43
₱10,000/mo instead
₱1,638,793.47
Held to 15 years instead
₱581,637.42
Held to 20 years instead
₱924,081.79
Scenario comparison
How the health score works
Five factors are each independently rated Excellent, Good, Fair, or Low, converted to points (95 / 80 / 60 / 35), then combined into a single weighted average:
The weighted average becomes your 0–100 score, then maps to a label: 88+ Excellent, 72–87 Good, 55–71 Fair, below 55 Needs Work. "Contribution Timing" isn't about MP2's safety — MP2 principal is government-backed regardless of how you contribute — it reflects that spreading contributions across multiple declared rates carries less timing risk than a single lump sum.This is an illustrative, transparent heuristic built for this site — not Pag-IBIG's own underwriting or NDI methodology, which this tool has no access to and doesn't try to replicate.
Before you rely on this
- • Pag-IBIG Fund Guide is an independent, unofficial resource — not affiliated with, endorsed by, or connected to Pag-IBIG Fund or the Philippine government.
- • The projection compounds monthly at your assumed rate as an approximation of how MP2 dividends build over time. Pag-IBIG itself credits dividends once a year, based on your average daily balance — actual crediting can differ from this month-by-month approximation, especially within a single year. See how MP2 dividends are actually computed for the real mechanism.
- • The assumed dividend rate is a flat, static figure held for the entire duration you choose. Real rates are declared annually by Pag-IBIG's Board of Trustees and have moved every year on record — see the full MP2 dividend history since 2021 rather than assuming any single rate holds.
MP2 rate last verified against Pag-IBIG Fund — MP2 Savings (official site).
How to Check Your Pag-IBIG Contributions and TAV Online
A walkthrough of checking your contribution history and Total Accumulated Value through Virtual Pag-IBIG, plus what to do if something looks off.
How Much Should I Put Into MP2?
There's no official recommended amount. Here's a practical framework for sizing your contribution, with real numbers at three different levels.
How Pag-IBIG Dividends Are Computed and Credited
Why your actual dividend rarely matches 'rate × total contributed' — the average daily balance method explained, with a worked example.
How to File a Regular Savings or MP2 Withdrawal Claim
The real eligibility rules for claiming your Pag-IBIG savings — maturity, retirement, and other grounds — plus the actual online filing steps.
How to Open an MP2 Account Online in Under 15 Minutes
A walkthrough of the Virtual Pag-IBIG steps, the IDs you need on hand, and the two places first-timers usually get stuck.
Is MP2 Right for Me? A Decision Guide
Before you open an account: the honest checklist for whether MP2 actually fits your situation right now, not just whether the rate looks good.
Is Pag-IBIG Legit? Is MP2 a Scam?
The direct answer: Pag-IBIG is a government agency created by law. Why MP2's rate looks surprising, and how to verify you're dealing with the real thing.
MP2 Savings: The Complete Guide
What Modified Pag-IBIG 2 actually is, who can open one, how dividends work, and everything else you need before you put money into it.
MP2 Dividend History: How Rates Have Moved Over Time
The real year-by-year MP2 and Regular Savings dividend rates since 2017, and what the pattern actually shows.
MP2 for a Specific Goal: Wedding, Business Capital, or Education Fund
How to size an MP2 contribution around an actual target date and amount, instead of just saving 'whatever's left over.'
What Happens When Your MP2 Matures (5-Year Term End)
Your three real options at MP2 maturity — withdraw, reinvest, or let it sit — and why the third option quietly costs you money.
MP2 Minimum and Maximum Contribution: What's Actually Allowed
The real floor and ceiling on MP2 savings — including the proof-of-income and check-payment rules that kick in for larger deposits.
What Happens If I Miss an MP2 Payment?
Unlike a loan or Regular Savings, MP2 has no fixed schedule to miss — here's what actually happens (and doesn't) if you skip a contribution.
Can I Open Multiple MP2 Accounts?
You don't open separate 'accounts' the way you might at a bank — here's how MP2 actually handles multiple contributions and why that distinction matters.
Should I Open a New MP2 Account After Maturity?
Reinvesting into a fresh 5-year MP2 term vs. withdrawing and doing something else with the money — a framework for actually deciding, not just the mechanics.
MP2 Payment Channels & Methods
Every way to actually fund your MP2 account — online, over the counter, and everything in between — and which one fits your situation.
Building an MP2 Ladder: Multiple Accounts Over Time
Why some members open a new MP2 account every year instead of one big account — and whether the strategy actually fits your situation.
MP2 vs. Regular Savings: Which One Should Get Your Extra ₱1,000?
Both are Pag-IBIG programs with government-backed principal — here's how the lock-in period and dividend history actually compare.
MP2 vs. SSS WISP / WISP Plus: Two Different Government Savings Programs
Both are government-administered and pay dividends on top of a base program. How MP2 and SSS's WISP/WISP Plus differ in who they're for and how they work.
MP2 vs. Stocks: Which Should Get Your Long-Term Money?
One has steady, government-backed dividends. The other has higher potential returns and real risk of loss. Here's the trade-off, explained.
MP2 vs. Time Deposit: Which Actually Pays More?
Both lock your money up for a fixed term. Here's how MP2's dividend rate, tax treatment, and government backing actually compare to a bank time deposit.
MP2 vs. UITF and Mutual Funds: How the Risk and Return Actually Differ
UITFs and mutual funds are market-linked and can lose value; MP2 is principal-protected with a declared rate. What that difference means for your money.
Pag-IBIG Contribution Table Explained (2026)
Why your Pag-IBIG deduction is capped at ₱200, how the rate actually works, and why the cap doubled in 2024.
Pag-IBIG for OFWs: How to Contribute From Abroad
How OFW membership works, whether it's mandatory for you, and how to contribute and track your account while working overseas.
Pag-IBIG Rates & Numbers: The Complete Reference
Every current Pag-IBIG rate and ceiling in one place — MP2, Regular Savings, MPL, Calamity Loan, Housing Loan — with sources and verification dates.
Reinvest vs. Annual Payout: Which MP2 Dividend Option Should You Choose?
The real difference between MP2's two dividend modes, why the choice is locked in at account opening, and how to decide.
Can Pag-IBIG Alone Fund Your Retirement? A Reality Check
Where MP2 and Regular Savings fit next to personal savings and a pension — and a worked example showing the actual gap.
Voluntary & Self-Employed Membership: The Complete Guide
How Pag-IBIG membership works when there's no employer to split contributions with — enrollment, cost, and what freelancers actually get access to.
What is Pag-IBIG Fund? The Complete 2026 Guide
What Pag-IBIG Fund actually does, who has to join, and how Regular Savings, MP2, and its loan programs fit together — in plain terms.
Your action plan
- 1
Don't have an MP2 account yet? Open one in Virtual Pag-IBIG — it takes about 15 minutes.
- 2
Match your monthly contribution to a number you can sustain for the full term, not just this month.
- 3
Revisit this planner whenever Pag-IBIG declares a new dividend rate.
- 4
If your health score flagged a factor, start there — it's usually the cheapest thing to fix.