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.

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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.

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Want to Track Your MP2 the Old-Fashioned Way? Download the Google Sheets Version

If you’d rather keep your own copy instead of coming back to this page every time you want to check your numbers, we built a Google Sheets-compatible calculator that works the same way, calendar-year dividend crediting every December, partial Year 1 and Year 6 handling if you don’t start in January, but lives entirely in your own file.

[Download the Pag-IBIG MP2 Calculator (Excel/Google Sheets file)]

What’s different from the calculator above

• You own it. Download it once, and your numbers stay in your own file, no need to revisit this page.
• Manual, month-by-month input. Type your actual or planned contribution for each of the 60 months, useful if your MP2 payments are irregular rather than a fixed monthly amount.
• Locked formulas. Only the input cells (start month, start year, dividend rate assumptions, and monthly contributions) are editable. Everything else, the dividend math, the running balance, the chart, is protected so you don’t accidentally break a formula.
• Same dividend logic as above. Dividends post every December, using Pag-IBIG’s average balance method, prorated for partial years the same way explained in the Year 6 section.

How to use it

1. Click the download link above to save the file (works in Excel, or open it in Google Sheets via File → Import → Upload).
2. Set your Start Month and Start Year in the yellow cells.
3. Type your monthly contribution amounts in the Contribution (₱) column (minimum ₱500 per remittance).
4. Adjust the dividend rate assumptions per year if you want to test different scenarios, current and past declared rates are noted in the cell comments.
5. If you’re using Google Sheets: cell protection doesn’t always carry over on import. Go to Data → Protect sheets and ranges → Protect sheet, then under “Except certain cells” add B7:C14 and C29:C88 so only those stay editable.

Heads up: the first-year dividend figure is a simplified estimate. Pag-IBIG’s actual day-weighted calculation for a mid-year opening runs slightly higher than this sheet’s straight-line proration. Treat it as a conservative floor, not an exact figure.