MP2 Calculator: Returns by Monthly Amount (Philippines, 2026)
How much will Pag-IBIG MP2 earn you? Pick your monthly contribution below for the full 5-year projection — MP2 dividends are tax-free. Figures estimate the 2025 declared rate of 7.12%.
| Monthly | Tax-free dividends (5 yr) | Maturity value |
|---|---|---|
| ₱500 | + ₱5,921 | ₱35,921 |
| ₱1,000 | + ₱11,842 | ₱71,842 |
| ₱1,500 | + ₱17,763 | ₱107,763 |
| ₱2,000 | + ₱23,684 | ₱143,684 |
| ₱3,000 | + ₱35,526 | ₱215,526 |
| ₱5,000 | + ₱59,211 | ₱359,211 |
| ₱10,000 | + ₱118,421 | ₱718,421 |
| ₱20,000 | + ₱236,842 | ₱1,436,842 |
These estimate the 2025 declared dividend of 7.12% (tax-free), credited on the average monthly balance and compounded over the 5-year term. Tap any amount for the year-by-year breakdown and a taxed-time-deposit comparison. The real dividend is declared yearly by Pag-IBIG and varies.
What is MP2?
MP2 (Modified Pag-IBIG 2) is a voluntary 5-year savings program with a government-backed, tax-free dividend that has historically beaten regular savings and most time deposits. The minimum is ₱500/month and you can open more than one account. Because of the 5-year lock-in it's best for long-term money — see MP2 vs time deposit and how to start investing.
Educational estimates only — not investment advice or guaranteed returns. Pag-IBIG MP2 dividends are declared annually and vary (7.12% for 2025); figures apply a single assumed rate to the average monthly balance, compounded over 5 years. Confirm current terms with Pag-IBIG before contributing.
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