This Pag-IBIG MP2 Calculator lets you easily estimate your savings growth over the 5-year MP2 investment period. It supports multiple contribution types: Lump-sum, Monthly, Annual, and Custom Monthly contributions.

Key features include:

• Partial year handling: Automatically accounts for the start month, calculating dividends for partial first and sixth years.
• Flexible contributions: Input annual amounts per year, monthly fixed amounts, or custom contributions for each month.
• Dividend rate options: Set a fixed rate for all years or allow different rates per year.
• Yearly breakdown: See contributions, dividends earned, and ending balance for each year, including Year 6 if the first year is partial.
• Responsive input grid: Custom monthly contributions are displayed in an easy-to-use 3-column layout.

Use this calculator to plan your Pag-IBIG MP2 investment and visualize how your money grows with dividends over time.

Year 6 in the MP2 Calculator

In the Pag-IBIG MP2 Calculator, Year 6 appears only if your initial start month is not January.

• MP2 is a 5-year program, but when your contributions start mid-year, the first year is a partial year (from your start month to December).
• To account for this, the final year (Year 6) is the remaining months needed to complete the full 5-year period.

Example:

• Start month: June
• Contribution type: Lump-sum or Monthly
• Year 1 covers June–December (7 months)
• Year 2–5 cover full 12 months each
• Year 6 covers January–May (5 months), completing the total 60 months (5 years)

Dividend Calculation:

• Dividends are prorated for partial years: $$\text{Dividend} = \text{Balance} \times \text{Annual Rate} \times \frac{\text{Months in Partial Year}}{12}$$Dividend=Balance×Annual Rate×12Months in Partial Year​
• This ensures that your earnings reflect the exact number of months your money is invested.