MP2 CalculatorHow it works

SIMPLE TOOLS. CLEARER SAVINGS.

Lump sum + monthly

Start with a deposit and keep adding each month.

Your five-year plan

Use 0 to skip either contribution. Each non-zero contribution must be at least ₱500. The first monthly deposit is additional to the initial deposit in month 1.

7.12% is an example, not a forecast or a current-rate claim. Future rates can change.

Enter your amounts, then calculate to see your estimate.

How this estimate works

The initial deposit earns a full year from the start. Monthly deposits begin in the same month and continue for 60 months. Within each year, monthly deposits receive weights from 12/12 through 1/12.

Annual dividend = (opening balance + initial deposit in year 1) × rate + monthly contribution × rate × 6.5. Reinvested dividends enter the following year's opening balance; annual payouts stay separate.

Each plan uses one assumed rate for all five years. Exact deposit dates, varying yearly rates, fees, early withdrawals and calendar-year posting details are not modeled.

Figures are rounded for display; totals use unrounded values. These independent estimates are not official Pag-IBIG statements or guaranteed returns.

Official Pag-IBIG MP2 information ↗

More ways to plan.

Lump sum + monthly

Start with a deposit and keep adding each month.

Compare two plans

Compare amounts, rates and dividend payout choices.

Dividend estimator

Estimate one year from your monthly deposit schedule.