Retirement — Juan Dela Cruz

regular · Human Resource Management Office · Service 16.04 yrs ⚠ from date hired Jul 1, 2010

Age 41y 1m turns 42 on Jun 2, 2027 BELATED · 10 mo 17 d to next

BELOW 60 Early / Separation YOS ≥ 15 → 18×BMP cash + deferred pension at 60. YOS < 15 → cash benefit lang. AGE 60 Optional retirement RA 8291 §13-A. Pilia ang 18-mo o 60-mo lump-sum + monthly pension. Projected YOS: 34.92 yrs AGE 65 Compulsory / Mandatory RA 8291 §13-B. Pension capped sa 90% sa AMC. Projected YOS: 36.00 yrs · MAX 36

Inputs RA 8291

Basic salary / monthly salary

AMC source ⓘ

Custom AMC (₱) Used only when AMC source is "custom".

Years of service

Current year

Retirement age

Plan ⓘ

Contribution rate (%)

GSIS loan balance ⓘ

Additional deductions tanan i-minus sa Gross retirement pay

Pag-IBIG balance

Coop loans

Other deductions

Leave credits (days) MANUAL

daysmanual entry OK

Drives Terminal Leave = PHP 0.00 salary × days × 0.0481927 (CSC/DBM factor).

Terminal leave factor

RAMC add (₱)

Pension cap (% of AMC)

Manual terminal-leave override (₱) When filled, this amount is used directly instead of the factor formula.

Scenario label * required — name this snapshot

Computation Analysis RA 8291

Monthly pension

PHP 20,266.05

RA 8291 pension rule

18-month option

PHP 364,788.90

Before deductions

60-month option

PHP 1,215,963.00

Before deductions

Terminal leave

PHP 0.00

Salary × days × factor

Total benefits — 18

PHP 364,788.90

Gross: 18-mo lump sum + TLB

Total benefits — 60

PHP 1,215,963.00

Gross: 60-mo lump sum + TLB

Detalyadong Breakdown limpyo ma-dawat

Line item	18-month option	60-month option	Why
Lump-sum option (N × BMP)	PHP 364,788.90	PHP 1,215,963.00	18 × BMP (Option B) o 60 × BMP (Option A) per RA 8291 §13-A.
+ Terminal Leave Benefit (TLB)	PHP 0.00	PHP 0.00	salary × leave_days × 0.0481927. CSC §53 Rule XVI.
= GROSS retirement pay	PHP 364,788.90	PHP 1,215,963.00	Lump-sum + TLB.
LESS — Deductions
- GSIS loan balance	PHP 0.00	PHP 0.00	GSIS auto-offsets loans before release.
- Pag-IBIG balance	PHP 0.00	PHP 0.00	Pag-IBIG MPL / Housing loan offset.
- Coop loans	PHP 0.00	PHP 0.00	PACIGEA / GEMPC / CLEMCO / LandBank.
- Other deductions	PHP 0.00	PHP 0.00	Misc admin.
= Total deductions	PHP 0.00	PHP 0.00	Sum sa tanan deductions.
NET LIMPYO MA-DAWAT	PHP 364,788.90	PHP 1,215,963.00	Gross MINUS total deductions.

RA 8291 §39 + RA 4917: retirement benefits and terminal leave are tax-exempt. Monthly pension (BMP) is paid separately after the lump-sum period.

Retirement overview

AMC active

PHP 49,835.00

(DEFAULT)

GSIS contribution

PHP 4,485.15

@ 9.00%

Net 18-month

PHP 364,788.90

Net 60-month

PHP 1,215,963.00

Milestones

Service start year

2010

from date hired

30-yr projection

PHP 37,376.25

by 2040

35-yr projection

PHP 43,605.63

by 2045

Age 60 forecast

Jun 2, 2045

earliest optional

Age 65 forecast

Jun 2, 2050

compulsory

Retirement date

Jun 2, 2050

at compulsory age

Plan formula

RA 8291 exact rule: 2.5% × RAMC × 16.04 yrs, capped at 90% of AMC. Monthly pension 20,266.05.

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Estimates only. RA 8291 + CSC Sec. 53 Rule XVI. GSIS and DBM remain the official basis.