Pag-IBIG MP2 Calculator 2023
Pag-IBIG MP2 Calculator allows members to compute their estimated earnings and total savings under the Pag-IBIG MP2 program.
This investment will be worth -
| Year | Starting Amount | Annual Contribution | Total Contribution | Interest Earned | Total Interest Earned | End Balance |
The Pag-IBIG MP2 Calculator is a helpful tool that allows you to calculate the monthly contribution that you need to make in order to achieve your desired savings goal.
Simply enter the amount of money that you would like to save, and the calculator will tell you how much you need to contribute each month in order to reach your goal. You can also choose to have the calculator show you how long it will take for you to reach your goal, as well as how much interest your funds will earn over time.
To use the Pag-IBIG MP2 calculator, you will need to input the following information:
- Our Pag-IBIG MP2 savings – This is the amount that you will be contributing to your Pag-IBIG MP2 account on a regular basis.
- The term of your savings – This is the number of months that you will be saving under the Pag-IBIG MP2 program.
- The dividend rate – This is the rate at which your Pag-IBIG MP2 savings will earn dividends. The dividend rate is declared by the Pag-IBIG Fund every year and is based on the performance of the Fund.
Once you have inputted these pieces of information, the Pag IBIG MP2 calculator will compute your estimated earnings and total savings under the Pag-IBIG MP2 program.
It is important to note that the Pag-IBIG MP2 calculator is only a tool to estimate your earnings and total savings. The actual amount that you will earn and the total amount of your savings may differ due to various factors such as changes in the dividend rate, the performance of the Pag-IBIG Fund, and other economic factors.
Overall, the Pag-IBIG MP2 calculator can be a useful tool for Pag IBIG MP2 members to plan and manage their long-term savings. It helps them estimate their earnings and total savings under the Pag-IBIG MP2 program and make informed decisions about their financial future.
At least seventy percent (70%) of Pag-IBIG Fund’s annual net income is put aside as dividends, which are credited proportionately to members’ Pag-IBIG Savings. This implies that a member will receive bigger payouts the more they have saved.
According to its charter, the Pag-IBIG Fund must allocate at least 70% of its investible money to housing finance. Additionally, it makes investments in business and government bonds.
The Pag-IBIG MP2 Savings programme generates a greater dividend rate than the Pag-IBIG Regular Savings programme because it is an optional programme. The MP2 Savings Dividend Rates since 2011 are shown below.
| Year | MP2 Savings Dividend Rate |
| 2021 | 6.00% |
| 2020 | 6.12% |
| 2019 | 7.23% |
| 2018 | 7.41% |
| 2017 | 8.11% |
| 2016 | 7.43% |
| 2015 | 5.34% |
| 2014 | 4.69% |
| 2013 | 4.58% |
| 2012 | 4.67% |
| 2011 | 4.63% |
MP2 Savings
| STEP 1 |
| You have the following options for setting up your MP2 Savings Account: |
| – via Virtual Pag-IBIG |
| – at any Pag-IBIG Fund branch by presenting your properly completed MP2 Enrollment Form and the necessary prerequisites. |
| STEP 2 |
| Save in the MP2 using the following payment channels: |
| – Virtual Pag-IBIG. |
| – Accredited Collecting Partners. |
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To invest wisely, there are three important factors to consider: stability, liquidity, and return. Fortunately, Pag-IBIG MP2 satisfies all of these components. Even during the 2020 COVID-19 pandemic panic, Pag-IBIG declared a dividend rate of 6.12%. In today’s fast-paced investment environment, it’s helpful to have a partner who can assist with analysis, strategy, and tracking. That’s why we developed the Pag-IBIG MP2 calculator as your investment partner.
Why must Pag-IBIG MP2 investors have this?
Did you know that we were among the first, if not the very first, to publish an article on how to calculate dividends for Pag-IBIG MP2? Subsequently, many other websites and YouTube channels also published their own how-to videos.
One of the reasons we create how-to articles is to educate you on how to do things on your own. We began with the SSS retirement benefit and have since published several more articles to help you become more financially literate.
But why did we create this calculator?
We have made it a point to respond to the comments that our readers leave, and initially, we found it enjoyable to answer their queries and even help them develop their strategies. However, our perspective changed when a particular comment caused us to reevaluate our approach.
We have made it a point to respond to the comments that our readers leave, and initially, we found it enjoyable to answer their queries and even help them develop their strategies. However, our perspective changed when a particular comment caused us to reevaluate our approach.
Why must you use this Pag-IBIG MP2 Calculator?
This Excel file contains a calculator with pre-embedded formulas. The calculator requires you to only edit the “yellow boxes”. Using this tool, you can easily compute, analyze, strategize and track your investments.
Furthermore, the calculations in this file are for a period of 40 years, which allows you to envision how you can use Pag-IBIG MP2 to create a financial plan for your retirement fund and other financial goals.
What are the computations you can do with it?
- Monthly investment with yearly payout
monthly investment with yearly payout
- Annual investment with yearly payout
- Annual investment with compounded payout
one time investment with compounded payout
5 strategies to get most out pag ibig mp2
- Irregular investment
- Simulate personalized strategy
Track investment and many more
What are the limitations of this Mp2 calculator?
- The calculator utilized the official example available on the Pag-IBIG website.
- Investments are made on the 1st day of every month.
- If investments are made on different days of the month, the computed dividend may slightly differ from the actual earned amount.
- Making multiple investments in a month may also cause a slight deviation in the earned amount as Pag-IBIG computes it based on the number of days invested.
Pag-IBIG MP2 Calculator v2.0 We have received your feedback and understand that you would like our calculator to provide a more accurate calculation of the dividend earned. As a result, we have made some improvements to our calculator to address this concern.
- Input the actual dividend per year
- Place the date wherein you made the contribution
Get this new and improved Pag-IBIG MP2 calculator for as low as Php299. It includes the original v1.0.
Get the Pag-IBIG MP2 Calculator NOW!
“We have listened to your feedback and in response to the high demand, we are extending our offer. You can now get the first version for Php149 and the new and improved version for P
hp299 as your partner in your Pag-IBIG MP2 investment.
By investing this small amount, you will be helping us grow and develop more valuable articles and financial tools. We kindly request your support in this endeavor.
Thank you for choosing us as your partner in achieving your financial goals.”
What are the limitations of this calculator?
In other words, the calculator utilized the sample provided on the official Pag-IBIG website. Investments are made on the first day of every month, and if you choose to invest on different days within the month, the calculation will slightly differ from the actual dividend earned. Additionally, making multiple investments within a single month will also result in a slight deviation from the earned amount, as Pag-IBIG calculates the dividend based on the number of days invested.
Pag-IBIG MP2 Calculator v2.0
We have received your feedback and understand that you would like a more accurate dividend computation. Therefore, we have made improvements to our calculator to include the following enhancements.
- Input the actual dividend per year
- Place the date wherein you made the contribution
Get this new and improved Pag-IBIG MP2 calculator for as low as Php299. It includes the original v1.0.
Get the Pag-IBIG MP2 Calculator NOW!
“We have received your feedback loud and clear! In response to your demand, we are pleased to announce that we are extending our offer. You can now get the first version of our product for only Php149 and the new and improved version for Php299. We believe that this small amount is a reasonable price to pay for your partner in your Pag-IBIG MP2 investment journey.
We value your support as this will enable us to grow and continue to create valuable articles and financial tools. We hope that you will continue to support us and our mission to provide high-quality resources for financial literacy and wealth-building. Thank you!”
Emma Donely
Emma is a personal finance enthusiast and creator of resources and tools that help people take control of their finances and reach their financial goals. She is passionate about educating others on the importance of saving and investing for the future, and created Pag-IBIG MP2 Calculator as a way to make it easy for people to calculate their savings and returns.