Calculate Your Minimum Retirement Pension & Bonus🇦🇷
Argentina's minimum retirement pension (haber mínimo jubilatorio) is the floor benefit administered by ANSES — the country's Social Security Administration — for retirees who reach the minimum contribution years under Law 24.241. Since 2024, the base amount is adjusted monthly by the consumer price index (IPC) to keep pace with Argentina's inflation. Eligible retirees whose pension falls at or near this floor also receive a complementary bonus (bono complementario), a discretionary monthly add-on. This calculator returns the total monthly benefit in Argentine pesos (ARS), combining the base pension with the bonus if you qualify. It is designed for retirees, family members, and anyone reviewing ANSES settlements.
When to use this calculator
- Technical calculations related to minimum retirement pension and bonus
- Students and professionals in the finance field
- Verify theoretical results before applying them
- Teaching and learning pension calculation concepts
- Quick reference for financial projects
Example calculation
- Base minimum pension: ARS 300,000.
- Complementary bonus: ARS 70,000 (eligible).
- Total monthly benefit: ARS 370,000.
How it works
1 min readRetirement income planning uses universal mathematical principles (understanding pension structures, time value of money, income optimization). This calculator applies standard industry formulas for pension calculations.
How it's calculated
ANSES minimum pension plus complementary bonus if applicable.
This calculator applies the formula using the values you enter, checking typical ranges and alerting when values fall outside reasonable thresholds.
Typical benchmarks by timeframe
| Timeframe | S&P 500 | Bonds 10y | Cash |
|---|---|---|---|
| 1 year | Highly variable | 4-5% | 3-5% |
| 5 years | ~8% avg | ~4% | Inflation |
| 10 years | ~9-10% | ~4% | Below inflation |
| 20+ years | ~10% nominal | ~5% | N/A |
Investment principles
Important notes
This calculation is a reference only. For critical decisions (financial, medical, legal), consult with a specialized professional. Values are current as of 2026 and reviewed periodically.
Frequently asked questions
What is Argentina's minimum retirement pension for 2026?
Based on monthly inflation adjustments (IPC), the minimum updates regularly to keep pace with the cost of living.
What is the complementary bonus?
A fixed amount added if your pension falls below a certain threshold to help low-income retirees.
Does the minimum pension increase annually?
Yes, through monthly inflation adjustments (IPC) implemented since 2024.
Who qualifies for the complementary bonus?
Those receiving ANSES pensions near or at the minimum threshold amount.
Is there a 13th month payment (aguinaldo)?
Yes, retirees receive half their regular pension in June and December.
What is PUAM (Universal Pension for Older Adults)?
A universal pension providing 80% of the minimum retirement pension for those aged 65+ without employment contributions.
Do retirees get automatic healthcare coverage?
Yes, PAMI (national retiree health insurance) is automatic for all ANSES retirees.
How often does the minimum pension amount change?
Monthly through inflation adjustments (IPC), ensuring your benefits keep pace with cost of living increases.