How does the Argentine pension system work?

Argentina's main scheme is SIPA, run by ANSES — a pay-as-you-go, defined-benefit system funded by 11% employee and 16% employer contributions. At retirement you receive a flat Prestación Básica Universal (PBU) plus a compensatory benefit tied to your career earnings and years of contributions.

What is the retirement age in Argentina?

The standard retirement age is 60 for women and 65 for men, with a minimum of 30 years of contributions usually required for a full ordinary pension. The PGU universal pension provides a floor for those who reach the age but fall short on contribution years.

How is the SIPA benefit estimated here?

The tool adds the flat PBU to a compensatory benefit, modelled as an accrual rate (around 1.5%) for each year of contributions applied to your average updated salary. If the result falls below the PGU universal floor, the floor is applied instead.

Can I include private or voluntary savings?

Yes. Enter a monthly voluntary-savings figure and a real return, and the calculator grows it into a fund by retirement, then annuitises it across your retirement years and adds that income on top of your SIPA state pension.

Does this calculator store my data?

No. All calculations run locally in your browser and nothing is uploaded, so your figures stay private.

Argentina Pension & Retirement Calculator

Email me this result

Get this tool's output sent to your inbox, plus one useful tool a week. No spam, unsubscribe any time.

This Argentina pension and retirement calculator projects the income you can expect under the country’s ANSES SIPA scheme — a pay-as-you-go, defined-benefit system funded by 11% employee and 16% employer contributions. It models the flat PBU benefit plus a compensatory accrual tied to your career earnings, applies the PGU universal floor, and lets you layer voluntary savings on top, all in real pesos.

How it works

SIPA is a defined benefit, so the projection is rule-based rather than a pot of money:

Average career salary: your salary projected forward at the real growth rate and averaged over the remaining working years.
PBU: the flat Prestación Básica Universal, entered as a monthly figure.
Compensatory benefit: accrual rate × years contributed × average salary, where the accrual is around 1.5% per year of contributions.
PGU floor: if the combined SIPA benefit falls below the universal pension, the floor is applied.
Voluntary savings: monthly contributions grown at a real return into a fund, then annuitised across your retirement years.

The result is your estimated monthly pension and its replacement rate against your average career salary.

Example

Someone aged 35, retiring at 65 with 10 years already contributed and a ARS 600,000 monthly salary, accrues roughly 1.5% per contribution year on their averaged salary, added to the flat PBU. If that total is below the PGU floor, the floor applies. Any voluntary savings then add a second income stream on top.

Notes

This is an estimate of the SIPA defined benefit plus optional savings, kept in real (today’s) pesos so inflation does not distort the picture. Argentina’s benefit formulae, mobility adjustments and contribution rules change frequently, so confirm current parameters with ANSES. It is a planning tool, not financial advice.