Estimate your 5-year Modified Pag-IBIG II (MP2) savings growth, monthly dividend compounding, and maturity value based on official Pag-IBIG Fund dividend rates.
Pag-IBIG MP2 Overview: MP2 is a voluntary 5-year savings scheme with tax-free dividends backed by the Philippine government under Republic Act No. 9679. Recent dividend rates reached 7.12% (2025/2026).
MP2 Savings Configuration
Minimum contribution is ₱500 per deposit.
Default 7.12% based on latest Pag-IBIG declared rate.
Total Principal Saved
₱0.00
Total Dividends Earned
₱0.00
5-Year Maturity Value (TAV)
₱0.00
Year-by-Year Growth Schedule
Year
Beginning Balance
Annual Contributions
Dividends Earned
Ending Balance
How Pag-IBIG MP2 Dividends Work
The Modified Pag-IBIG II (MP2) Savings Program is a voluntary savings scheme designed for Pag-IBIG Fund members seeking higher yields than traditional bank savings accounts. Under Section 10 of Republic Act No. 9679, all MP2 dividends are entirely tax-exempt.
Monthly Pro-Rata Dividend Weighting
For regular monthly savers, dividends are computed on a time-weighted pro-rata basis. A deposit made in January earns dividends for a full 12 months (12/12), while a deposit in December earns 1 month of dividend (1/12). The effective formula for Year 1 is: