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How much will you receive in pension when you retire? The answer depends mainly on whether you contribute to the Mexican Social Security Institute (IMSS) or the Institute for Social Security and Services for State Workers (ISSSTE), your age, weeks or years of service, salary, among other factors. Here, we tell you how to calculate the amount so you can take it into account for your future!
One of the topics that interests Mexican workers the most is retirement; everyone wants to have a pension with which they can enjoy a decent quality of life, which is why this labor benefit is a right and it is important to have it.
How much will I receive as an IMSS pension?
The IMSS provides its beneficiaries with a calculator with which they can find out the approximate amount of their pension.
For the pension simulation exercise, you need:
- Año en el que iniciaste tu cotización a la Ley del Seguro Social
- Años cumplidos
- Semanas cotizadas bajo la Ley del Seguro Social
- El promedio de tus salarios base de cotización de los últimos cinco años.
The calculation shown is an estimate of the pension amount considering the assumptions of the Social Security Law in force until June 30, 1997.
Check the tool HERE from the National Commission for the Retirement Savings System (CONSAR) to calculate your IMSS pension.
How many weeks do I need to retire with the IMSS in 2026?
For Law 73, the IMSS establishes 500 contribution weeks as the minimum requirement for a pension due to old-age unemployment or aging, in addition to meeting other legal conditions.
For those who fall under Law 97, the number of weeks required is increasing gradually; in 2026, it is 875 weeks.
How much will I receive as an ISSSTE pension?
The Tenth Transitory Article corresponds to workers who were active as of March 31, 2007, and chose to remain under the modified previous regime. In this regime, the amount is calculated according to the basic salary of the last year immediately preceding the date of termination and the years of service.
In case you are part of the Individual Accounts regime, you can use the following calculator to find out the figure.
For 2026, the minimum age indicated for retirement under the Tenth Transitory Article is:
- Mujeres: 56 años
- Hombres: 58 años.
How do you calculate the 2026 ISSSTE pension?
To calculate an ISSSTE pension under this regime, you need to provide the following information:
- Tu edad
- Tus años cotizados
- Tu sueldo básico del último año
- El tipo de pensión que solicitarás
- El régimen en el que estás.
Can Modality 40 increase my IMSS pension?
For those who have the right to retire under Law 73, Modality 40 can be used to continue contributing voluntarily after a termination of employment, provided that its requirements are met.
At what age can I retire?
The age depends on the institute and the regime.
IMSS
- 60 años: pensión por cesantía en edad avanzada.
- 65 años: pensión por vejez.
ISSSTE
In the Tenth Transitory Article, the age depends on the modality and the applicable calendar.
For Individual Accounts, the general reference is:
- 60 años para cesantía en edad avanzada
- 65 años para vejez.
- LEE MÁS: Pensión IMSS e ISSSTE: Confirman cuándo pagan octubre y cuándo llegará el aguinaldo 2026
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