How much is contributed to an AFORE?

For private-sector workers the mandatory retirement contribution is about 6.5% of salary from the employer, 1.125% from the worker and 0.225% from the government, totalling roughly 7.85%. Reforms are gradually raising the employer share toward a higher combined rate.

An AFORE (Administradora de Fondos para el Retiro) is a private pension fund manager that invests your mandatory and voluntary retirement savings under the SAR system. You choose your AFORE and can switch; each charges a fee that reduces your net return.

How do voluntary contributions help?

Aportaciones voluntarias are extra savings you add on top of the mandatory amount. They compound tax-advantaged inside your AFORE, can be deducted within limits, and substantially raise your final pot because of the extra years of growth.

How is the monthly pension estimated?

This tool applies a sustainable withdrawal rate to the projected pot to approximate a steady monthly income. The actual pension depends on annuity rates, your weeks contributed and the modality you choose at retirement, so treat it as a guide.

Are my figures sent anywhere?

No. The whole projection runs in your browser. Nothing you enter is uploaded or stored, so you can model your retirement privately.

Mexico Pension & Retirement Calculator

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This Mexico pension and retirement calculator projects your AFORE balance at retirement from the mandatory SAR contributions plus any voluntary savings, then converts it into an estimated monthly income. It is built for workers under the private-sector AFORE system who want to see whether their savings are on track.

How it works

Under the SAR system, a slice of your salary flows into your AFORE every period:

Mandatory contributions total roughly 7.85% of your salary — about 6.5% from the employer, 1.125% from you and 0.225% from the government. (Reforms are phasing the employer share higher over time.)
Those contributions, plus any voluntary amount you add, are invested and compound. Each year the balance grows by your net return and the new contributions are added.

At retirement the tool applies a sustainable withdrawal rate to the pot to estimate a steady monthly income:

pot_next = (pot + annual_contributions) × (1 + return)
monthly_income = pot × withdrawal_rate / 12

Example

A 30-year-old earning MXN 20,000/month with a MXN 50,000 starting balance, contributing the mandatory ~7.85% plus MXN 1,000/month voluntary at a 5% real return, builds a pot of several million pesos by age 65. At a 4% withdrawal rate that funds a meaningful monthly income — and the voluntary top-up adds a large share thanks to decades of compounding.

Notes

Returns are shown in real (after-inflation) terms if you enter a real rate, which keeps the income figure in today’s pesos. Fees vary by AFORE and reduce your net return, so compare providers. The actual pension also depends on your total weeks contributed and the retirement modality you pick. This is an estimate, not financial advice.