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Program references

These official rates and rules provide planning context for Kasyafi tools. They are versioned separately from personal recommendations because government guidance can change.

Calculation versions in use

These records come directly from the calculator schedules shipped with this version of Kasyafi. Effective date and stored verification date have different meanings. A later page review does not establish that every underlying rate was re-verified.

MP2 historical declarations in the calculator

Calculation version: philippine-mp2-savings-v1

The 2024 and 2025 declarations below were checked against official Philippine Information Agency reports on September 4, 2026. Older rows retain inherited source notes and have not been newly re-verified. Historical declarations do not supply a guaranteed future projection rate; no 2026 dividend is inferred.

Stored MP2 historical dividend references
YearDeclared rateStored source note
20257.12%2025 Pag-IBIG declaration reported by the Philippine Information AgencyLast verified 2026-09-04
20247.10%2024 Pag-IBIG declaration reported by the Philippine Information AgencyLast verified 2026-09-04
20237.05%Pag-IBIG Fund Official Declaration for 2023 (7.05%)Individual verification date not recorded
20227.03%Pag-IBIG Fund Official Declaration for 2022 (7.03%)Individual verification date not recorded
20216.00%Pag-IBIG Fund Official Declaration for 2021 (6.00%)Individual verification date not recorded
20206.12%Pag-IBIG Fund Official Declaration for 2020 (6.12%)Individual verification date not recorded
20197.23%Pag-IBIG Fund Official Declaration for 2019 (7.23%)Individual verification date not recorded
20187.41%Pag-IBIG Fund Official Declaration for 2018 (7.41%)Individual verification date not recorded

Historical returns are not future returns. Review the official MP2 information and use an explicit assumption in the MP2 calculator.

Recent verification activity

September 4, 2026 · Source review and MP2 history correction

  • The PhilHealth 2025-0002 advisory was read. It confirms the 5% premium, ₱10,000 floor and ₱100,000 ceiling for its stated January 2025 period, consistent with the implemented amounts. This is not a claim that a new 2026 issuance was verified.
  • The SSS contribution-table index was checked. It links member-specific schedules through 2025; individual numeric schedule rows were not re-audited in this review.
  • Corrected the stored 2024 MP2 declaration from 7.05% to 7.10% and added the 2025 declaration at 7.12%, using the official Philippine Information Agency reports linked in the table. Projection assumptions remain separate from historical declarations.
  • Pag-IBIG’s MP2 FAQ and enrollment source returned a browser-verification page. Program-rule verification dates were not advanced.
  • BIR’s income-tax page was reachable but did not expose its numerical table in the retrieved content. The existing calculation version remains in use; no numerical re-verification is claimed.

PAGIBIG MP2

declared dividend rate

7.12 percent annual

Effective Jan 1, 2025 · Verified Aug 26, 2026 · verified

Official source

PAGIBIG MP2

membership term

60 months

Effective Jan 1, 2024 · Verified Aug 26, 2026 · verified

Official source

PAGIBIG MP2

minimum savings

500 php

Effective Jan 1, 2024 · Verified Aug 26, 2026 · verified

Official source

PAGIBIG REGULAR

declared dividend rate

6.62 percent annual

Effective Jan 1, 2025 · Verified Aug 26, 2026 · verified

Official source

PERA

max annual contribution local

200,000 php

Effective Jun 30, 2023 · Verified Aug 26, 2026 · verified

Official source

PERA

max annual contribution ofw

400,000 php

Effective Jun 30, 2023 · Verified Aug 26, 2026 · verified

Official source

PERA

tax credit rate

5 percent

Effective Jun 30, 2023 · Verified Aug 26, 2026 · verified

Official source

SSS RETIREMENT

monthly contributions for pension

120 count

Effective Mar 5, 2019 · Verified Aug 26, 2026 · verified

Official source

How to use this page

A reference is context, not a personal recommendation

Each record identifies a program, a rule or rate, the official URL used, and when Kasyafi last checked it. Regulated values are stored separately from personal recommendations so a changed source can be reviewed without silently rewriting a user’s historical plan.

A verified rate can still be inapplicable to a particular person. Eligibility, contribution month, membership type, compensation basis, account status, payment timing, and later issuances may change the result. Open the official source and confirm the rule that governs your transaction.

Historical dividends and yields are not promised future returns. When a Kasyafi calculator accepts a rate for a projection, that rate is an explicit scenario input even if a prior official declaration is shown nearby.

Kasyafi’s verification workflow

  1. 01 · Find

    Prefer the responsible agency’s circular, advisory, table, law, or program page over a secondary summary.

  2. 02 · Compare

    Check effective dates, superseding issuances, units, member types, floors, ceilings, and the calculator implementation.

  3. 03 · Date

    Record the source and verification date. Flag stale or conflicting data instead of inventing a replacement figure.

See how a source becomes an estimate

The methodology page documents inputs, formulas, rounding, simplifications, and reasons an institutional result may differ.

Read methodology

Last verified September 4, 2026. Dynamic program records show their individual verification date above. This explanation is reviewed with the source-maintenance process.

See how Kasyafi calculations work