Want to know the dividend you can receive for your MP2 Savings, after one year? And total dividend after 5-year maturity? Presenting to you, the Pag-IBIG MP2 Savings Online Calculator.
With this online calculator, you will be able to know the dividend amount you can receive each year, the total dividend and total accumulated value (TAV) you can withdraw after the 5-years maturity. You just need to enter the monthly savings or the one-time payment and the dividend rate you want to use for the computation. You can also use the actual MP2 dividend rate as declared by Pag-IBIG for your computation. Click here to see the list of the actual dividend rate from 2011 up to 2021.
As you know, MP2 Savings is a voluntary program, so you have the option to save your money in few ways: monthly savings, random month savings, or one-time payment. It can be same amount of savings each month for a minimum of P500 or any higher amount.
And during your MP2 enrollment, you are required to select the dividend payout, either annually or five-year (end term) payout. The computation of the dividend and accumulated value will not be the same with these 2 different payout options.
There are five (5) different sets of calculator have been made to calculate for the MP2 Dividend Amount. View and select which MP2 Savings options you want to check to determine which calculator to use.
- Calculator 1 - Monthly Savings / End-Term Payout
- Calculator 2 - One-Time Payment / End-Term Payout
- Calculator 3 - Random Month Savings / End-Term Payout
- Calculator 4 - Monthly Savings / Annual Payout
- Calculator 5 - One-Time Payment / Annual Payout
Let’s start with the first 2 sets of calculator with the following conditions:
- Calculator 1
- Same amount of monthly savings
- Dividend payout: Five-Year (End Term)
- Calculator 2
- One-Time Payment at the beginning of Year 1
- Dividend payout: Five-Year (End Term)
As a guide, here is a sample computation for a P 500 monthly savings with the chosen dividend payout - end-term or after 5 years of maturity and this is based on a 7.5% dividend rate per year.
You can also check the sample data posted in Pag-IBIG website and cross check the result you get from this calculator. Here is the Pag-IBIG link. Just click the Frequently Asked Questions tab and at the end of FAQs,you can see a sample computation similar to the presented table here.
Want to know how the dividend is calculated? Click here for the detailed computation.
As a guide, here is a sample computation for a one-time payment of P30,000 at the beginning of Year 1 with the chosen dividend payout - end-term or after 5 years of maturity and this is based on a 7.5% dividend rate per year.
You can also check the sample data posted in Pag-IBIG website and cross check the result you get from this calculator. Here is the Pag-IBIG link. Just click the Frequently Asked Questions tab and at the end of FAQs, you can see the sample computation same with the shown table here.
Want to know how the dividend is calculated? Click here for the detailed computation.
New to Pag-IBIG MP2 Savings?
If you are new with Pag-IBIG MP2 Savings, it is a voluntary program and a special savings facility with a 5-year maturity offered by Pag-IBIG to their members. For as low as P500, you can save and earn higher dividend with MP2 Savings. To learn more about MP2, click here.
For Calculator 3, you can add any amount of savings you’ve paid in random months. And if you didn’t save money in the other months, just let the amount be zero (0).
- Calculator 3
- Random amount and Random months payment/Savings
- Dividend payout: Five-Year (End Term)
As a guide, you can use this actual MP2 Savings shown below. This actual MP2 Savings account was enrolled on January 2020 with P500 as an initial saving.
If you want to check this with Calculator 3, you will come up with the same dividend amount as declared on the account. Just enter the monthly savings with the respective months and use the actual dividend rate for 2020 which is 6.12%.
Want to know how the dividend is calculated? Click here for the detailed computation.
- Calculator 4
- Same amount of Monthly Savings
- Dividend payout: Annually
- Calculator 5
- One-Time Payment at the beginning of Year 1
- Dividend payout: Annually
As a guide, here is a sample computation for a P 500 monthly savings with the chosen dividend payout - annually and this is based on a 7.5% dividend rate per year.
You can also check the sample data posted in Pag-IBIG website and cross check the result you get from this calculator. Here is the Pag-IBIG link. Just click the Frequently Asked Questions tab and at the end of FAQs, you can see a sample computation similar to the presented table here.
As a guide, here is a sample computation for a one-time payment of P30,000 with the chosen dividend payout - annually and this is based on a 7.5% dividend rate per year.
You can also check the sample data posted in Pag-IBIG website and cross check the result you get from this calculator. Here is the Pag-IBIG link. Just click the Frequently Asked Questions tab and at the end of FAQs, you can see a sample computation similar to the presented table here.
Actual MP2 Dividend Rate (2011-2021)
MP2 Savings have higher dividends compared to P1 or the Regular Savings. The dividends are tax-free and computed annually based on the performance of Pag-IBIG investments. Historically, here are the MP2 Savings Dividend Rates from 2011. (Source)
If you want to know how the dividend is calculated with detailed computation, read this guide: