Retirement — Maria Santos

regular · Municipal Treasurer's Office · Service 12.33 yrs ⚠ from date hired Mar 16, 2014

Age 36y 1m turns 37 on May 31, 2027 BELATED · 10 mo 15 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: 36.00 yrs · MAX 36 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 12,953.63

RA 8291 pension rule

18-month option

PHP 0.00

Before deductions

60-month option

PHP 0.00

Before deductions

Terminal leave

PHP 0.00

Salary × days × factor

Total benefits — 18

PHP 0.00

Gross: 18-mo lump sum + TLB

Total benefits — 60

PHP 0.00

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 0.00	PHP 0.00	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 0.00	PHP 0.00	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 0.00	PHP 0.00	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 33,843.00

(DEFAULT)

GSIS contribution

PHP 3,045.87

@ 9.00%

Net 18-month

PHP 0.00

Net 60-month

PHP 0.00

Milestones

Service start year

2014

from date hired

30-yr projection

PHP 25,382.25

by 2044

35-yr projection

PHP 29,612.63

by 2049

Age 60 forecast

May 31, 2050

earliest optional

Age 65 forecast

May 31, 2055

compulsory

Retirement date

May 31, 2055

at compulsory age

Plan formula

RA 8291 exact rule: 2.5% × RAMC × 12.33 yrs, capped at 90% of AMC. Monthly pension 12,953.63.

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