Pag-IBIG MP2 Calculator

Our Pag-IBIG MP2 Calculator is an easy-to-use tool that will help you perceive the possible returns on the Pag-IBIG saving program. This calculator will only ask you a few essential pieces of information like an estimated amount of your investment’s earnings. 

This tool is reliable and flexible for managing, analyzing, tracking, and planning your investments, regardless of whether you are a new member of Pag-IBIG MP2 or an experienced investor. Check this out!

Pag IBIG MP2 Calculator


What is Pag-IBIG MP2?

The Pag-IBIG MP2 savings program is a sister version of the PAG-IBIG fund program launched by the Philippine government. The objective is to offer a long-term saving module to its members where they’ll set aside a selective portion of their monthly income to fulfill their future financial needs, such as owning a house, investing in their children’s education, or saving for their retirement period.

The Pag-IBIG MP2 saving program requires participants to contribute a minimum of PHP 500 per month from their income, and they can raise a maximum of PHP 25,000 per month depending on their income.

Along with the regular contribution, they have an option of lum sun investment too, which will allow their members to acquire a one-time contribution of any desired amount within the maximum contribution limit.

How to use our Pag-IBIG MP2 Calculator? 

For using our Pag-IBIG MP2 Calculator, you need to put certain information in the mentioned required fields, such as the amount you want to contribute, the frequency rate you will adopt (e.g. monthly, quarterly, yearly), and the length of the total time you want to invest in the program.

Our calculator will use your given information to estimate the overall returns on your total investment, based on the current interest rate. 

These are the fields you need to fill in our Pag-IBIG MP2 Calculator: 

    • Principle/Amount: A principal amount is an initial investment in the Pag-IBIG MP2 program you will have to make when you open an account.
    • Contribution: Along with the principal amount, you’ll need to decide your chosen amount of contribution to your investment plan. Input the contribution amount you have determined.
  • Frequency: Decide how often you’d like to contribute (e.g. monthly or annually), and make sure the frequency is consistent in line with your contribution plan.
  • Time Period: This is the length of the total time period you want to continue saving. Longer the period, the higher the returns will be.
  • Interest Rate: Set a standard interest rate of 5-7% in the Pag-IBIG MP2 program. The interest rate is determined at the end of the year. It is dynamic in nature and depends on the economic condition of a country. However, the interest rate in 2024 is around 7.03% yet.
  • Click Calculate to see the estimated amount of returns on your investment.

We would like to point out that the results of our pag-Ibig MP2 calculator are based on estimates, so you should take this into consideration before relying on them.

However, the actual return may differ depending on different factors as the changing interest rate and program nature of the Pag-IBIG MP2 fund.

Thus, it’s advised to consult with your financial advisor or any pag-ibig representative before you make any decision.

Pag-Ibig Mp2 Dividend Rate 2024


Tips to Maximize Your Returns from Pag-IBIG MP2 Program

Here are a few tips, if you follow you can maximize your returns on your investment in the Pag-IBIG MP2 saving program.

  • Be consistent and regular: if your wish is to maximize your returns for the potential profit, then you have to make sure that you’ll contribute regularly to the savings program. As a result, you’ll earn compound interest on your entire savings, which ultimately increases the value of your account over time.
  • Right contribution amount: Before you become a member of the Pag-IBIG Mp2 Saving program, it is very important to determine the amount you can afford to contribute each month, and you’ll make sure that you’ll be able to set aside this amount. Saving more will earn you higher returns.
  • Long-term strategy: You should know that Pag-IBIG’s savings program is based on a long-term strategy before investing in it. The goal should be to set aside your money for at least 5 to 10 years or extend it longer if it is possible for you.  
  • Before You Invest, Consider Inflation: Simply put, inflation refers to an increase in the price of goods and essential services, which lowers your purchasing power. Hence, it is important to consider the inflation rate on your Pag-IBIG MP2 membership and then synchronize your monthly contribution accordingly. The goal is to keep your purchasing power in the future. 
  • Ask for professional advice: If you are uncertain about investing in the Pag-IBIG MP2 program to maximize your returns on your investment, then you should consult with a professional financial advisor in the saving or investing field. They might curate a plan for you that will be tailored to your needs and objectives. 

Benefits of investing in the Saving Program of Pag-IBIG MP2

Pag-IBIG MP2 provides Filipino workers with additional saving strategies for their retirement. The following are a few potential benefits of investing in this program:

    • High Returns: it is for sure that your investment will get competitive returns which would be higher than the returns on the traditional ways of saving. 
    • Convenience: With the program, you can determine how often and how much you contribute to your Pag-IBIG MP2 account, which makes it almost convenient and flexible. 
  • Tax Benefits: The most amazing feature of this program is that your Pag-IBIG contributions are tax-deductible, typically up to PHP 10,000 per year.
  • Your investment can turn into a loanable: Investors can use their Pag-IBIG MP2 account as collateral to secure a loan from Pag-IBIG, which can be used for various purposes such as home construction or improvement, business expansion, or education expenses.

What are the Requirements for Pag-IBIG MP2? 

The eligibility for Pag-IBIG MP2 Program can be met by the following requirements: 

  • You should be a member of the Pag-IBIG Program offered by the Home Development Mutual Fund of the Philippine government. 
  • You should have any of the following cards such as a Loyalty card by Pag-IBIG or a Calamity loan plus card. 
  • There must be an active Pag-IBIG Saving account. 
  • The most important requirement is, you must be a Filipino citizen or have a card with a permanent residency for foreigners. 

As long as you follow the above requirements, you can start contributing regularly or frequently to your MP2 account and start saving.

Frequently Asked Questions

Can I withdraw my MP2 before 5 years?

Yes, you can withdraw your savings from the Pag-IBIG MP2 before the five-year holding period, but there may be some restrictions and consequences depending on the reason for withdrawal and the amount of time that has passed since you started the account.

According to the Pag-IBIG Fund, you may be allowed to withdraw your savings from the Pag-IBIG MP2 before the five-year holding period in the following circumstances:

  • You reach the age of 65 and are no longer employed.
  • You become permanently disabled and are unable to work.
  • You are facing financial hardship, such as an unexpected medical emergency or natural disaster.

If you meet any of these criteria, you may be able to withdraw your savings from the Pag-IBIG MP2 without incurring any penalties. However, you will not be eligible to receive the dividends that have been earned on your savings.

If you wish to withdraw your savings from the Pag-IBIG MP2 for any other reason, you may be required to pay a withdrawal penalty. The amount of the penalty will depend on how long you have had the account and may be as high as 20% of your savings.

Who is qualified for Pag-Ibig MP2?

According to the Philippine Home Development Mutual Fund (Pag-IBIG Fund), the following individuals are eligible to open a Pag-IBIG MP2 account:

  • Any member of the Pag-IBIG Fund who is at least 18 years old and not more than 65 years old, regardless of employment status
  • Overseas Filipino Workers (OFWs)
  • Self-employed individuals

How much can I save in Pag IBIG MP2?

There is no maximum limit on the amount that you can save in the Pag-IBIG MP2, but you must make a minimum contribution of PHP 500 when you open the account. After that, you can contribute any amount that you choose, up to a maximum of PHP 10,000 per month.

Is MP2 dividend tax-free?

The dividends earned on savings in the Pag-IBIG MP2 are generally subject to tax in the Philippines. According to the Philippine Home Development Mutual Fund (Pag-IBIG Fund), the dividends earned on Pag-IBIG MP2 savings are subject to a final withholding tax of 20% if the total dividends received in a calendar year exceed PHP 10,000.

This means that if you earn more than PHP 10,000 in dividends from your Pag-IBIG MP2 savings in a calendar year, the Pag-IBIG Fund will automatically deduct 20% of the excess amount as tax when you withdraw your dividends.

For example, if you earn PHP 15,000 in dividends in a calendar year, the Pag-IBIG Fund will automatically deduct 20% of the excess PHP 5,000 as tax, for a total tax of PHP 1,000.

It’s important to note that this is just a summary of the tax treatment of Pag-IBIG MP2 dividends, and the exact tax implications may vary depending on your specific circumstances. If you have questions about the tax treatment of your Pag-IBIG MP2 dividends, you may want to consult with a tax professional or seek the advice of a financial advisor.

Which is better MP2 or time deposit?

Both an MP2 and a time deposit offer investors significant advantages. With an MP2, or money market mutual fund, investors have the ability to utilize yield differentials for income trading in different asset classes.

Time deposits, meanwhile, offer low risk due to their fixed interest rates, allowing investors to generate steady income tailored to their investment needs. Ultimately, which type of investing is best for you depends on your individual goals and objectives. If you’re looking for high yields on your investments with greater versatility in terms of withdrawal options and loan accessibility, an MP2 might be the better option for you.

However, if you need more certainty around returns and liquidity is not as big of a factor in your decision-making process, then a time deposit could be right for you.

What will happen if I skip the MP2 contribution?

If you skip a contribution to your Pag-IBIG MP2 account, it will not be automatically terminated. However, you will not earn dividends on the missed contribution, and you may have to pay a penalty if you choose to make up the missed contribution at a later date.

According to the Philippine Home Development Mutual Fund (Pag-IBIG Fund), if you miss a contribution to your Pag-IBIG MP2 account, you will have the option to make up the missed contribution within the same year. If you choose to do so, you will not be penalized.

How to withdraw MP2 savings before maturity?

To withdraw MP2 savings before maturity:

  1. Verify eligibility (typically for financial hardships).
  2. Collect required documents (MP2 details, ID).
  3. Visit a Pag-IBIG branch.
  4. Fill out and submit pre-termination forms.
  5. Await processing and receiving funds.


It’s been said by many advisors that you should carefully plan and manage your investments through this Pag-IBIG MP2 saving program, as it is an authentic source of savings for your future financial goals. 

You will get two major benefits from our calculator, one is Planning and another is managing. When you put various scenarios into our calculator, you’ll get an idea of different investment options too and you can track the performance of your investment in Pag-IBIG MP2 fund.

With our Pag-IBIG MP2 Calculator and consulting with a financial advisor, you’ll be in the position to make informed decisions and optimize your financial strategy to achieve your desired results.

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