📈 MP2 Savings Projector
Ang Pag-IBIG MP2 ay government savings program na historically kumikita ng 5–8% annual dividends, tax-free. I-model ang monthly hulog mo at makita ang year-by-year growth.
Your MP2 plan
Minimum ₱500/month. Consistency beats laki.
7.12% was the declared rate for 2025. Recent years averaged 6–7% — adjust to model your own scenario.
Historical average ≈ 7%. Not guaranteed, model conservative (5%), expected (7%), optimistic (8%).
MP2 matures in 5 years; you may re-award and continue.
Your projection
Lalabas ang sagot dito. 👆
MP2 quick answers
Ano ang MP2 in one sentence?
A voluntary, government-administered savings account from Pag-IBIG Fund with historically higher dividend rates than bank savings, tax-free earnings, and a 5-year maturity.
Safe ba ito?
It's run by a Philippine government agency. Dividends depend on Pag-IBIG's annual performance, historically positive, but not guaranteed like a deposit (and not PDIC-insured).
Kailan makukuha ang pera?
After the 5-year maturity (or earlier under limited conditions like total disability). Withdrawals after maturity include all dividends earned, tax-free.
How does this calculator compute?
We apply the dividend rate to your average balance each year (opening balance + half of that year's contributions), then compound. Actual Pag-IBIG crediting uses monthly average balances, expect small differences.