Tool
Retirement calculator
Project the nest egg you'll have at retirement from your current savings and monthly contributions, and the monthly income that nest egg could support.
Nest egg at retirement
—
Nominal, at your retirement age
In today's pesos—
Sustainable monthly income (nominal)—
Monthly income in today's pesos—
Assumptions & method
- Accumulation: current savings and monthly contributions compounded at the nominal rate (monthly = annual ÷ 12) until retirement age.
- Sustainable monthly income: an annuity that draws down the nest egg over the chosen retirement years, assuming the money keeps earning the same rate during retirement.
- “In today's pesos” deflates by the inflation entered: it's the honest figure for sizing your standard of living.
- Excludes Afore, IMSS/ISSSTE pensions and taxes: it models only your additional voluntary savings. Editable assumptions, zero promises.
FAQ
The essentials, in brief
How much should I contribute each month?
Work backward: set the monthly income in today's pesos that you want, and move the contribution until you reach it. As a rough benchmark, 10–15% of income sustained over decades usually builds a decent retirement.
Isn't my Afore enough?
For most people, no: the expected replacement rate from the Afore is limited. This calculator models exactly the voluntary top-up that closes that gap.
What happens if I retire earlier?
Two blows: fewer years of accumulation and more years of retirement to fund. Try changing the retirement age here and watch the compound effect of each additional year of contributions.
Next step
Tell us about your deal
Tell us how much you need and what collateral you can offer. We'll tell you frankly whether it's viable and how we would structure it.
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