Looking to invest in Pag-IBIG MP2 but not sure how much you’ll earn? Whether you’re contributing monthly, yearly, or in one big lump sum, this calculator will give you a clear picture of your estimated returns based on your preferred style of contribution.
Let’s break it down—and yes, the calculator is right below, so you can start estimating right away.
What Is This MP2 Calculator For?
This is a simple and free Pag-IBIG MP2 calculator designed for Filipinos who want to visualize how much their savings could grow. You can input your preferred contribution method (monthly, annual, or lump sum), your expected interest rate, and your investment period (up to 5 years).
It even includes a year-by-year breakdown, so you’ll know exactly how much to expect in each year of your investment.
How to Use This Calculator:
- Enter your contribution amount – this is the amount you’ll save per month, year, or in a one-time lump sum.
- Select your contribution type – Monthly, Annual, or Lump Sum.
- Set the number of years – MP2 is a 5-year program, but you can adjust this if you plan to re-invest.
- Input the interest rate – Pag-IBIG MP2 has historically earned between 6–8% annually.
After clicking “Calculate”, you’ll see a year-by-year breakdown of your total contributions and estimated returns.
Pag-IBIG MP2 Calculator
Why Use a Calculator Before You Invest?
Planning your MP2 contributions isn’t just about saving—it’s about maximizing your returns. With this tool, you can:
- See how your strategy (monthly vs lump sum) affects your growth
- Adjust based on changing dividend rates
- Make informed decisions before locking in your funds for 5 years
Sample Scenarios
Scenario 1: Monthly Contribution
- Contribution: ₱500/month
- Interest Rate: 7%
- Duration: 5 years
- Total Savings: ~₱34,828
- Total Dividends: ~₱4,828
Scenario 2: Lump Sum
- Contribution: ₱30,000
- Interest Rate: 7%
- Duration: 5 years
- Total Savings: ~₱42,105
- Total Dividends: ~₱12,105
These are just estimates. Actual earnings may vary depending on the yearly dividend rate released by Pag-IBIG.
Final Thoughts
This MP2 Calculator is not an official tool from Pag-IBIG, but it gives you a reliable ballpark figure based on compound interest logic.
It’s especially useful for comparing monthly versus lump sum investments—a common dilemma for new investors.
And if you’re ready to start investing or withdraw your funds, check out my other guides:
✅ How to Start Pag-IBIG MP2 Savings the Easy Way
✅ How to Withdraw MP2 Savings After 5 Years
If you want to boost your finances slowly but surely, MP2 is one of the best government-backed ways to do it. Use the calculator, build your plan, and watch your savings grow!
Let me know in the comments how you plan to use your MP2!