Calcufast

Peru ONP retirement: age 45 + 10 years paid → 65

Age 65 + 20 years of contributions (D.Law 19990). At 45 with 10 years paid you retire at 65.

Inputs
Enter values to calculate
Results

Estimated retirement age

65

Missing years

10

Years left

20

SNP (D.Law 19990). Assumes continuous contributions.

D.Law 19990. Assumes continuous contributions. Not pension advice.

You might also like

Peru ONP 13%: S/2,500 → S/325/month

Worker SNP contribution (D.L. 19990). S/2,500 × 13% = S/325. Not AFP and not employer EsSalud 9%.

Peru fifth-category tax 2026: S/5,000 → S/240.50 a month (UIT S/5,500)

Estimate Peru fifth-category income tax for 2026: annual projection, 7 UIT (S/38,500), 8%–30% brackets, and SUNAT monthly withholding.

Peru settlement 2026: S/2,500 × 4 months → S/3,622.22

Estimate truncated CTS, truncated July/December bonus + 9%, and unused vacation at termination (48 hours, SUNAFIL/MTPE).

Peru ONP retirement 2026

ONP requires age 65 + 20 years of contributions (D.Law 19990). You must meet both requirements, for both sexes.

At 45 with 10 years paid: you retire at 65.

Calculate when I retire →

Formula

ONP retirement

max(65 − age, 20 − years paid)

ItemValue
Missing years10
Years by age20
Bindingage → 65

Common mistakes

  • Thinking only contributions matter (age is also required).
  • Not contributing continuously (the estimate assumes continuity).
  • Mixing SNP with AFP (different rules).

Contributions rule → 75.

No. Educational estimate. Check with ONP.

Informational estimate

Educational content, not pension advice. D.Law 19990.