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Retirement Calculator (Philippines)

Inflation-adjusted retirement planner for Filipinos. Compare projected income vs. expenditure, see your nest egg in today's and future pesos, and check whether your savings will last to age 85.

PH 2026

Retirement Projector

Defaults use BSP-style inflation (3.5%) and balanced PH portfolio returns (7% pre-retire, 5% post-retire).

SSS optional retirement is 60.

PH life expectancy is ~72; plan to 85+ for safety.

MP2, UITF, stocks, PERA, etc.

To roughly track salary growth.

Balanced PH portfolio ~7%.

Conservative ~5%.

BSP target band 2–4%.

SSS/GSIS pension, rental, part-time work.

Nest egg at age 60
₱8.81M
₱3,139,143 in today's pesos
Required at age 60
₱20.35M
₱7,251,053 in today's pesos
Shortfall
₱11.54M
Savings run out at age 70
Summary. You have 30 years to save and 25 years in retirement. Total contributions: ₱2,854,525. Net monthly need in year 1 of retirement (after other income): ₱84,204 (vs. ₱30,000 today).

Accumulation: building your nest egg

Year-by-year savings growth from age 30 to 60.

AgeContributionsBalance (nominal)Balance (today's ₱)
31₱60,000₱169,100₱163,382
32₱61,800₱244,900₱228,617
33₱63,654₱327,925₱295,769
34₱65,564₱418,738₱364,906
35₱67,531₱517,944₱436,095
36₱69,556₱626,191₱509,407
37₱71,643₱744,175₱584,915
38₱73,792₱872,642₱662,695
39₱76,006₱1,012,393₱742,824
40₱78,286₱1,164,287₱825,385
41₱80,635₱1,329,245₱910,461
42₱83,054₱1,508,253₱998,137
43₱85,546₱1,702,370₱1,088,503
44₱88,112₱1,912,732₱1,181,651
45₱90,755₱2,140,555₱1,277,677
46₱93,478₱2,387,144₱1,376,680
47₱96,282₱2,653,896₱1,478,761
48₱99,171₱2,942,311₱1,584,026
49₱102,146₱3,253,994₱1,692,583
50₱105,210₱3,590,666₱1,804,546
51₱108,367₱3,954,172₱1,920,031
52₱111,618₱4,346,488₱2,039,158
53₱114,966₱4,769,733₱2,162,051
54₱118,415₱5,226,174₱2,288,840
55₱121,968₱5,718,242₱2,419,657
56₱125,627₱6,248,543₱2,554,640
57₱129,395₱6,819,865₱2,693,930
58₱133,277₱7,435,198₱2,837,675
59₱137,276₱8,097,742₱2,986,027
60₱141,394₱8,810,926₱3,139,143

Retirement: income vs. expenditure

Year-by-year drawdown. All figures shown in nominal (future) pesos, inflated at 3.5% per year.

AgeStart balanceOther incomeExpenditureNet drawGrowthEnd balance
61₱8,810,926₱336,815₱1,347,261₱1,010,446₱390,024₱8,190,505
62₱8,190,505₱348,604₱1,394,415₱1,045,811₱357,235₱7,501,928
63₱7,501,928₱360,805₱1,443,220₱1,082,415₱320,976₱6,740,489
64₱6,740,489₱373,433₱1,493,732₱1,120,299₱281,009₱5,901,199
65₱5,901,199₱386,503₱1,546,013₱1,159,510₱237,084₱4,978,774
66₱4,978,774₱400,031₱1,600,123₱1,200,093₱188,934₱3,967,616
67₱3,967,616₱414,032₱1,656,128₱1,242,096₱136,276₱2,861,796
68₱2,861,796₱428,523₱1,714,092₱1,285,569₱78,811₱1,655,038
69₱1,655,038₱443,521₱1,774,085₱1,330,564₱16,224₱340,698
70₱340,698₱459,045₱1,836,178₱1,377,134₱0₱-1,036,436
71₱-1,036,436₱475,111₱1,900,445₱1,425,333₱0₱-2,461,770
72₱-2,461,770₱491,740₱1,966,960₱1,475,220₱0₱-3,936,990
73₱-3,936,990₱508,951₱2,035,804₱1,526,853₱0₱-5,463,843
74₱-5,463,843₱526,764₱2,107,057₱1,580,293₱0₱-7,044,136
75₱-7,044,136₱545,201₱2,180,804₱1,635,603₱0₱-8,679,739
76₱-8,679,739₱564,283₱2,257,132₱1,692,849₱0₱-10,372,588
77₱-10,372,588₱584,033₱2,336,132₱1,752,099₱0₱-12,124,686
78₱-12,124,686₱604,474₱2,417,896₱1,813,422₱0₱-13,938,109
79₱-13,938,109₱625,631₱2,502,523₱1,876,892₱0₱-15,815,001
80₱-15,815,001₱647,528₱2,590,111₱1,942,583₱0₱-17,757,584
81₱-17,757,584₱670,191₱2,680,765₱2,010,574₱0₱-19,768,158
82₱-19,768,158₱693,648₱2,774,592₱2,080,944₱0₱-21,849,101
83₱-21,849,101₱717,926₱2,871,702₱2,153,777₱0₱-24,002,878
84₱-24,002,878₱743,053₱2,972,212₱2,229,159₱0₱-26,232,037
85₱-26,232,037₱769,060₱3,076,239₱2,307,180₱0₱-28,539,217
Rows shaded red indicate years where your savings have been depleted. Consider raising your contribution rate, delaying retirement, or trimming expected spend.

Frequently Asked Questions

How much do I need to retire in the Philippines?

A common rule of thumb is 25× your annual retirement spending (the 4% safe withdrawal rule). For a household spending ₱40,000/month today (₱480,000/year), that's roughly ₱12M in today's pesos — but you need the inflation-adjusted (future peso) amount by the time you actually retire.

What inflation rate should I assume?

The Bangko Sentral ng Pilipinas (BSP) targets 2–4% headline inflation. A long-run assumption of 3.0–3.5% is reasonable for retirement planning. The calculator defaults to 3.5%.

What return rate is realistic for a Filipino investor?

It depends on your mix. A balanced portfolio of equity index funds, bonds/UITFs, and Pag-IBIG MP2 has historically returned around 6–8% per year nominal. Pure equity (PSEi or global) targets higher but is more volatile. The calculator defaults to 7% before retirement and 5% after.

Does this include SSS or GSIS pension?

The 'Other monthly income in retirement' field is where you put your expected SSS/GSIS pension, rental income, or part-time income (in today's pesos). The calculator inflates it to the year of retirement.

What is the 4% rule and does it apply in the Philippines?

The 4% rule says you can withdraw 4% of your nest egg in year one of retirement (then adjust for inflation) and have a high chance of not running out over 30 years. It's based on US data — for PH, many planners use a more conservative 3.5% withdrawal rate given higher inflation volatility.

Build your nest egg and model your investment growth with our other calculators.

Pag-IBIG MP2 CalculatorCompound Interest Calculator
Disclaimer: Estimates only. Real-world returns, inflation, taxes, and spending vary. Not financial advice.