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Pag-IBIG MP2 dividend calculator

Project your MP2 savings and dividends over 5 years, monthly or lump sum.

How will you save?

Dividend rate

% per year, custom

Dividend option

₱300,000you put in over 5 years
₱59,211total dividends, tax-free
₱359,211paid at maturity
19.7%total gain on what you saved

Year by year

Year 1
₱62,314 · ₱2,314 div.
Year 2
₱129,065 · ₱6,751 div.
Year 3
₱200,568 · ₱11,503 div.
Year 4
₱277,163 · ₱16,594 div.
Year 5
₱359,211 · ₱22,048 div.

your money   dividends earned

Declared MP2 rates, 2014–2025

Tap a year to run the projection at that rate.

Estimate only. Pag-IBIG computes dividends on your actual average balance and declares the rate after each year ends; past rates do not guarantee future ones.

How MP2 dividends are computed

MP2 (Modified Pag-IBIG 2) is a voluntary five-year savings program open to any active Pag-IBIG member, including OFWs. You can save monthly, quarterly, or in one lump sum, with a ₱500 minimum per remittance and no maximum. Each year, Pag-IBIG declares a dividend rate and applies it to your average monthly balance for that year. Dividends are tax-free.

Compounded or annual payout

With the compounded option, each year's dividend is added to your account and earns dividends itself, and everything is released at maturity. With annual payout, the dividend is sent to your bank or Loyalty Card every year while the principal stays until maturity. Compounding gives a higher total; annual payout gives yearly cash. Pag-IBIG lets you choose when you open the account.

What this calculator assumes

It simulates month by month, applies the rate you pick to the average monthly balance at each year-end, and runs one full five-year term. Real results differ slightly with your exact remittance dates and with each year's declared rate. The 2025 rate is 7.12%; declared rates from 2014 to 2025 have ranged between 4.69% and 8.11%.

Questions

Can OFWs open an MP2 account?
Yes. Any Pag-IBIG member with at least one monthly savings, including OFWs and former members with retirement or provident benefits, can enrol through Virtual Pag-IBIG or a branch.
Is the dividend rate guaranteed?
No. Pag-IBIG declares the rate after each year based on its net income. It must distribute at least 70% of net income to members, which is why the rate has stayed in a fairly narrow band.
What happens after five years?
The account matures and you can withdraw everything. If you leave it, the balance keeps earning dividends for up to two more years at the Regular Savings rate, which is lower.
Can I withdraw early?
Only for specific reasons such as serious illness, retirement, or permanent departure from the country. Early withdrawal for other reasons forfeits some or all of the dividends.

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