MP2, Regular Savings, and everything else — one picture
Pag-IBIG isn't a pension. This adds up what it actually gives you, alongside outside savings, against what you'll likely spend.
Retirement age
MP2 assumed rate
Assumed to grow at a flat 6.62%, based on recent Regular Savings history.
Mutual funds, PERA, employer plans — assumed to grow at a flat 5.0%.
Pag-IBIG Fund is a savings program, not a pension — this planner projects a balance, not a guaranteed income. It does not include SSS, GSIS, or any employer pension.
Retirement Readiness
Calculating…
Years to Retirement
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MP2 at Retirement
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Regular Savings at Retirement
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Other Savings at Retirement
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Combined Total
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Est. Monthly Retirement Income
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Expense Replacement
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Total You’ll Have Contributed
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Combined growth to retirement
Click a legend item to toggle a series
Suggested improvement
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New replacement: —
If you retired 5 years later
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Combined total, same contributions and rates
How the health score works
Four factors are each independently rated Excellent, Good, Fair, or Low, converted to points (95 / 80 / 60 / 35), then combined into a single weighted average:
≥₱8,000/mo excellent · ≥₱4,000 good · ≥₱1,500 fair
≥100% excellent · ≥70% good · ≥40% fair
≥25yr excellent · ≥15yr good · ≥5yr fair
Any outside savings = excellent; Pag-IBIG only = fair
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. This is an illustrative heuristic, not a real retirement-readiness formula — it doesn't include SSS, GSIS, or employer pension income at all, and the 4% withdrawal-rate assumption behind Expense Replacement is a common industry starting point, not a Pag-IBIG figure or a guarantee your balance lasts a specific number of years.
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.
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.
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.
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
Check your actual SSS or GSIS contribution record — this planner only covers Pag-IBIG and what you enter as "other savings."
- 2
If your expense replacement is under 70%, start with the Insights panel's suggested improvement — it's sized to be realistic, not dramatic.
- 3
Revisit this planner yearly, especially after a dividend rate declaration or a change in monthly expenses.
- 4
If you have zero "other savings," even a small outside fund improves your Diversification score — see the MP2 vs. Regular Savings guide for where to start.