Pag-IBIG MP2 Savings Calculator
Project your MP2 contributions, dividends, and total savings at maturity.
Historical Dividend Rates
MP2 dividend rates declared by the Pag-IBIG Fund Board, 2010–2025. Reference only — the projection above uses the rate you enter, not these historical figures.
2010–2025 average
6.24%
Last 5 years average (2021–2025)
6.82%
For context: the calculator's default projection rate of 7.00% is slightly above the 2010–2025 average.
| Year | Dividend rate |
|---|---|
| 2025 | 7.12% |
| 2024 | 7.10% |
| 2023 | 7.05% |
| 2022 | 7.03% |
| 2021 | 5.79% * |
| 2020 | 6.12% |
| 2019 | 7.23% |
| 2018 | 7.41% |
| 2017 | 8.11% |
| 2016 | 7.43% |
| 2015 | 5.34% |
| 2014 | 4.69% |
| 2013 | 4.58% |
| 2012 | 4.67% |
| 2011 | 4.63% |
| 2010 | 5.50% |
* The 2021 rate is unverified — public sources report figures ranging from 5.79% to 6.00%. Confirm against Pag-IBIG's official dividend rate announcement before relying on it.
Pag-IBIG MP2 (Modified Pag-IBIG II) is a voluntary savings program on top of your regular, mandatory Pag-IBIG contribution. It's open to any active Pag-IBIG member, with a minimum contribution of ₱500/month and no upper limit — you decide how much extra you want to save.
Each enrollment has a 5-year maturity term. At the end of the term you can withdraw your total savings plus dividends, or let it roll over into a new 5-year term. Once a year, the Pag-IBIG Fund Board declares a dividend rate based on the fund's actual investment performance, and that dividend is credited to each member's average monthly balance for the year — so the earlier in the year your money is in, the more of that year's dividend it earns. Because credited dividends join your balance, they go on to earn dividends themselves in later years too.
This is a projection based on the annual dividend rate you enter above, not a guarantee. Pag-IBIG MP2 dividends are declared once a year by the Pag-IBIG Fund Board based on the fund's actual investment performance and credited to members' average monthly balance — actual rates have varied year to year and may be higher or lower than what you entered.
How to enroll and contribute
Eligible members can open an MP2 account through Virtual Pag-IBIG or the current enrollment form. Keep the MP2 account number issued for that enrollment: payments may be made through supported salary deduction, Virtual Pag-IBIG, or accredited collection channels, and they must be credited to the MP2 account rather than only to your regular MID number.
Contributions do not have to be identical every month. If you skip a voluntary deposit, the account continues toward its original maturity date and you can contribute again later; the practical effect is simply that less money was present to earn dividends. Large deposits may require proof of source of funds under Pag-IBIG's current rules.
Maturity and early withdrawal
At the end of the five-year term, claim the matured savings or enroll in a new MP2 account for a new term. Pre-termination is allowed for reasons listed in the current MP2 terms. If you withdraw for another reason, Pag-IBIG may pay only part of the dividends or apply a pre-termination fee, so confirm the rule and documentary requirements before making plans around an early release.
New to Pag-IBIG? Read how regular contributions, MP2, and other government deductions work in the Government Benefits Guide, or see MP2 alongside your other deductions in the Salary Calculator.
Frequently asked questions
Regular Pag-IBIG savings are the mandatory membership contributions that support long-term savings and access to Pag-IBIG loans. MP2 is a separate voluntary five-year savings program for eligible members, funded with extra contributions and credited with a separately declared dividend rate.
Pre-termination is allowed under the conditions in Pag-IBIG’s current MP2 terms, including specified serious events. For other reasons, Pag-IBIG’s enrollment terms may reduce the dividends you receive, so check the current rules and required documents before filing a claim.
MP2 is voluntary, so you do not incur a monthly late-payment penalty simply because you skip a contribution. Your account remains on its five-year term, but a missed deposit means less money is present to earn dividends; you can contribute again later using your MP2 account number.
No. Pag-IBIG declares the dividend rate based on fund performance, so historical rates are not a promise of future returns. This calculator lets you change the assumed annual rate and should be used for scenarios, not as a guaranteed maturity quote.
Eligible members can enroll through Virtual Pag-IBIG or submit the current MP2 enrollment form through Pag-IBIG. After receiving an MP2 account number, you can pay through Virtual Pag-IBIG, salary deduction when supported, or an accredited collection channel; use the MP2 account number, not only your MID number.