MP2 Savings Calculator
2025 dividend rate · 7.12%Project your Pag-IBIG Modified Pag-IBIG 2 savings — fixed monthly, manual, or one-time lumpsum contributions, compounded at the current dividend rate.
Minimum: PHP 500
2025 rate: 7.12%
MP2 maturity: 5 years
Monthly contributions
One-time investment
About MP2
The Modified Pag-IBIG 2 Program
What is MP2?
The Modified Pag-IBIG 2 (MP2) is a voluntary savings program offered by the Home Development Mutual Fund (Pag-IBIG Fund). It provides government-backed, tax-free annual dividends higher than the regular Pag-IBIG savings program.
How is the dividend applied?
Dividends are credited annually based on your average monthly balance during the year. When you choose compounding, earned dividends stay in the account and generate further dividends until maturity.
When can I withdraw my savings?
MP2 savings mature after 5 years. At maturity, you can withdraw your entire principal plus all earned dividends, or roll them into a new 5-year account.
How much do I need to start?
The minimum initial or monthly deposit is just PHP 500. There is no maximum limit on how much you can save.
Are MP2 dividends taxable?
No. Under Philippine law, MP2 dividends are 100% tax-free, making their effective net returns significantly higher than traditional bank time deposits.