IGSS pension: age 58 / 12 years → not yet
On the defaults (age 58, 12 contribution years, Q8,000 average) you are not eligible yet: short 2 years of age and 96 contributions. Same-pay projection is Q4,160/month. Confirm the history at igssgt.org.
Old-age pension requirements under IGSS Agreement 1124: 240 monthly contributions (= 20 years) and a minimum age of 60, the same for men and women. The pension is 50% of the last-60-months average (capped at Q9,000) + 0.5% per extra 6 months beyond the first 120 months, capped at 80%. People affiliated before 2011 may fall under a transitional scale; confirm with IGSS.
Inputs
| Field | Why it matters |
|---|---|
| Current age | Do you meet the age-60 rule? |
| Years or months (cuotas) contributed | Do you reach 240 contributions / 20 years? |
| Last-60-months average (optional) | Projects estimated monthly pension |
You can enter years or your monthly contributions directly (12 per year; 240 contributions = 20 years).
How the amount is projected
% = min(50% + 0.5% × (months contributed − 120) ÷ 6, 80%)
Monthly pension ≈ % × last-60-months average (capped at Q9,000)
If you are not eligible yet, the tool shows how many contributions or age years you still need.
Worked example
A 52-year-old worker with 150 monthly contributions (12.5 years) and a last-60-months average of Q6,000:
- Percentage = 50% + 0.5% × (150 − 120) ÷ 6 = 50% + 2.5% = 52.5%
- Estimated monthly pension = 52.5% × Q6,000 = Q3,150
- Contributions still needed: 240 − 150 = 90 (7.5 more years)
- Age gap: 60 − 52 = 8 years
Even if the age requirement is met, the contribution gap delays eligibility; the tool shows both shortfalls so you can plan contributions or a personal savings buffer for retirement.
Interpreting the result
Two checks matter: age and contributions. Meeting one without the other is not enough. If you are close (for example, 230 contributions at age 61), the tool shows that only a few months of contributions are missing. If you are far from both, it is useful to model scenarios: how many extra months of contributions you need, or how the pension percentage grows with each additional 6 months beyond the first 120 (0.5% per 6 months, capped at 80%).
Related calculators
YMYL notice
Educational estimate only, not pension advice. Real requirements, transitional scales, and amounts are confirmed by IGSS with your official contribution history. Sources: IGSS portal and Agreement 1124 (IVS Regulation). Verified: 2026.
FAQ
240 monthly contributions (20 years) for anyone turning 60 from June 2014 onward. Members affiliated before 2011 may fall under a transitional scale of 180 to 240 contributions; confirm your case with IGSS.
No. The minimum age for the old-age pension is 60 for both men and women under the current Agreement 1124.
Enter your total years/contributions. IGSS consolidates the official history.
Check gaps in your IGSS statement and plan the missing months; the tool shows the shortfall in monthly contributions. Contributions can be completed up to the date you request the benefit.