IGSS pension calculator Guatemala 2026
Estimate your IGSS old-age pension (IVS program) from age, months contributed, and average salary. The current rule is Board Agreement 1124.
Requirements: age 60 + 240 contributions (20 years), the same for men and women. With 25 years contributed and an average of Q8,000, the pension is about Q5,200/month (65% of the base). Base remuneration cap: Q9,000 → max pension Q7,200.
Requirements for the old-age pension
You must meet both requirements at the same time:
| Requirement | Men and women |
|---|---|
| Minimum age | 60 years |
| Contributions | Minimum 240 months (20 years) |
If you meet the age but not the 240 contributions, you must keep contributing. People affiliated before January 1, 2011 may fall under a transitional scale (180 to 240 contributions depending on the year they reached the minimum age); confirm with IGSS.
Formula (Agreement 1124, Art. 16)
Salary base = Average salary of the last 60 months (5 years), capped at Q9,000
Pension percentage = 50% + (0.5% × each 6 months contributed beyond the first 120 months)
Maximum pension = 80% of the base (with the Q9,000 cap, that is Q7,200)
Minimum old-age pension = Q340 per month
Monthly pension = Salary base × Pension percentage
The regulation also provides a family allowance of 10% of the calculated amount per qualifying dependent (spouse, minor children, etc.), within the 80% cap. This calculator does not include it.
Percentage and amount by years contributed (Q8,000 average)
| Years contributed (months) | Percentage | Monthly pension (Q8,000) |
|---|---|---|
| 20 years (240) | 60% | Q4,800 |
| 25 years (300) | 65% | Q5,200 |
| 30 years (360) | 70% | Q5,600 |
| 35 years (420) | 75% | Q6,000 |
| 40+ years (480) | 80% (maximum) | Q6,400 |
Default example: age 60, 25 years contributed, average Q8,000
- Base percentage: 50% (first 120 months)
- Additional months: 300 − 120 = 180 months = 30 six-month periods
- Additional percentage: 30 × 0.5% = 15%
- Total percentage: 65%
- Monthly pension: Q8,000 × 65% = Q5,200
- Annual pension: Q62,400
Scenarios with the Q9,000 base cap
| Average last 60 months | Base used | 25 years (65%) | 40 years (80%) |
|---|---|---|---|
| Q6,000 | Q6,000 | Q3,900 | Q4,800 |
| Q8,000 | Q8,000 | Q5,200 | Q6,400 |
| Q10,000 | Q9,000 (cap) | Q5,850 | Q7,200 |
| Q15,000 | Q9,000 (cap) | Q5,850 | Q7,200 |
IGSS contributions (reference)
| Item | Worker | Employer |
|---|---|---|
| Total IGSS rate | 4.83% | 12.67% |
For the monthly payroll deduction, use the IGSS contribution calculator or net salary.
Other IVS pension types
Besides old age, the IVS program covers disability (permanent incapacity, no age requirement if contribution minimums are met) and survivors (spouse and dependent children of a deceased member).
Practical notes
- The base uses the last 60 months; the remuneration cap is Q9,000
- You can request a review if the IGSS amount does not match your history
- Pensioners may receive annual bonuses and a year-end bonus (aguinaldo) in addition to the monthly pension
- Validate age and contributions with the IGSS pension requirements calculator
Official amounts are set by IGSS from your real contribution history. Sources: IGSS portal and Board Agreement 1124 (IVS Regulation). Verified: 2026.
Related calculators
- IGSS contributions and net salary
- ISR Guatemala
- Severance, final settlement, and vacation pay
- Step-by-step guide: how to calculate your IGSS pension in 2026
Frequently asked questions
Official sources
- IGSS Organic Law, Decree 295: legal basis of the Guatemalan Social Security Institute and its pension regime.
The old-age pension requires being 60 (men and women alike). The disability pension has no age requirement if permanent disability is demonstrated and minimum contributions are met.
You must wait until turning 60. Meanwhile, additional contributions raise your percentage (0.5% for each extra 6 months, up to 80% of the base). At 25 years and a Q8,000 average the projected pension is Q5,200/month.
Yes, through the survivors' pension. The spouse and dependent minor children can receive a percentage of the deceased member's pension.
Request an account statement at any IGSS agency with your DPI, or check online through the IGSS portal.
IGSS may adjust pensions periodically, but there is no automatic inflation mechanism. Adjustments depend on Board decisions.
You can keep contributing until you complete 240 months or turn 60. Voluntary contribution is also available if you are not on payroll.