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IESS old-age retirement simulator

Estimate your IESS old-age pension in Ecuador from your five best years of pay, the current factors and the 2026 minimum and maximum pensions.

What it calculates

Your estimated monthly IESS old-age pension and the replacement rate, that is, the share of your last salary it represents.

What you need

  • Date of birth and retirement date.
  • Years of contributions to the IESS.
  • Your five best annual contribution salaries.
  • Your last monthly pay.
The simulator accepts 20 or more years of contributions. If you have fewer, for example age 65 with 15 years or age 70 with 10, multiply your calculation base by the factor in the table below.

Requirements

AgeMonthly contributionsYears of contributions
Any age480 or more40 or more
60 or older360 or more30 or more
65 or older180 or more15 or more
70 or older120 or more10 or more

You must also stop working in every salaried job.

How it is calculated

  1. Calculation base: the average of your five best years of contribution salaries; each year is the average of 12 consecutive months.
  2. Factor: the base is multiplied by the factor for your years of contributions.
  3. Minimum and maximum: if the result is below the minimum for your bracket you receive the minimum; above the maximum, the maximum.
Years of contributionsFactor
100.5000
150.5625
200.6250
250.6875
300.7500
350.8125
360.8325
370.8605
380.8970
390.9430
401.0000

The full explanation, with a step-by-step example, is in the article IESS retirement in 2026.

2026 minimum and maximum pensions

Years of contributionsMinimum pension
Up to 10USD 241.00 (50% of the SBU)
11 to 20USD 289.20 (60% of the SBU)
21 to 30USD 337.40 (70% of the SBU)
31 to 35USD 385.60 (80% of the SBU)
36 to 39USD 433.80 (90% of the SBU)
40 or moreUSD 482.00 (100% of the SBU)
Years of contributionsMaximum pension
10 to 14USD 1,205.00 (250% of the SBU)
15 to 19USD 1,446.00 (300% of the SBU)
20 to 24USD 1,687.00 (350% of the SBU)
25 to 29USD 1,928.00 (400% of the SBU)
30 to 34USD 2,169.00 (450% of the SBU)
35 to 39USD 2,410.00 (500% of the SBU)
40 or moreUSD 2,651.00 (550% of the SBU)

Legal basis

  • IESS Resolution C.D. 683 (Official Registry, January 21, 2025), arts. 2, 10, 12, 28 and 29.
  • Social Security Law, arts. 185, 188 and 234.

Frequently asked questions

How many contributions do I need to retire with the IESS?

360 (30 years) from age 60; 180 (15 years) from 65; 120 (10 years) from 70; or 480 (40 years) at any age.

What is the minimum IESS pension in 2026?

From USD 241.00 with up to 10 years of contributions to USD 482.00 with 40 years or more. The maximum reaches USD 2,651.00. See also the IESS contributions calculator.

Updated on October 23, 2026. This information is for reference only and does not replace a review of your case.

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Does your company need the exact calculation?

These calculators give an estimate. For your financial statements, Actuaria prepares actuarial studies of employer retirement pensions and desahucio under IAS 19, with audit-ready reports.

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