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The Pag-IBIG MP2 (Modified Pag-IBIG II) Savings Program is a voluntary, high-yield savings and investment program offered by the Home Development Mutual Fund (HDMF), commonly known as the Pag-IBIG Fund in the Philippines.
It is specifically designed for active and former Pag-IBIG members who want to safely grow their money and earn significantly higher returns than traditional bank accounts offer. Frequently Asked Questions Is the dividend rate fixed? No. Pag-IBIG MP2 dividend rates fluctuate annually based on Pag-IBIG Fund's financial performance. The default 7.0% rate in the calculator is an estimate based on historical averages. Can I contribute more than P500? Yes. There is no maximum limit on MP2 contributions. For single lump-sum deposits exceeding P500,000, payment via manager's check or personal check is required. Are MP2 earnings taxable? No. Both your principal contributions and dividend earnings are 100% tax-free under Republic Act No. 9679. Disclaimer: This calculator is an independent estimation tool for planning purposes only. Actual returns depend on the official annual dividend rates approved and declared by the Pag-IBIG Fund Board of Trustees. |
Pag-IBIG MP2 Calculator
Total Contributions:
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Total Dividend Earned:
₱0.00
Total Savings at Maturity:
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*Note: Pag-IBIG MP2 dividend rates vary per year. This calculation assumes a fixed annual dividend rate over the 5-year period for estimation purposes. |
