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Pag-IBIG & MP2 Savings Calculator
Calculate your mandatory Pag-IBIG contributions and estimate your MP2 tax-free dividend returns over 5 years.
Mandatory Pag-IBIG
Employee Share (You pay)₱200.00
Employer Share₱200.00
MP2 Voluntary Savings
Minimum of ₱500 per month.
Historical average is between 6% and 8%.
5-Year MP2 Projection
Final Value after 5 Years₱71,424.18
Total Principal Saved₱60,000.00
Total Tax-Free Dividends+ ₱11,424.18
| Year | Principal | Dividends | Total Value |
|---|---|---|---|
| 1 | ₱12,000.00 | ₱420.00 | ₱12,420.00 |
| 2 | ₱24,000.00 | ₱1,709.40 | ₱25,709.40 |
| 3 | ₱36,000.00 | ₱3,929.06 | ₱39,929.06 |
| 4 | ₱48,000.00 | ₱7,144.09 | ₱55,144.09 |
| 5 | ₱60,000.00 | ₱11,424.18 | ₱71,424.18 |
How Does MP2 Work?
The Modified Pag-IBIG II (MP2) Savings Program is a voluntary savings facility with a 5-year maturity, designed for active Pag-IBIG Fund members who wish to save more and earn higher tax-free dividends than the regular Pag-IBIG Savings Program.
- Tax-Free: All dividends earned are 100% tax-free. You don't pay the standard 20% withholding tax applied to bank deposits.
- Government Guaranteed: Your principal is fully guaranteed by the Philippine government.
- Compound Interest: If you choose to have dividends paid at the end of the 5-year term, your money compounds annually, growing exponentially.