Ley 100 de 1993 • Colpensiones vs Fondos Privados • Doble Asesoría • COP & USD 🇨🇴
Colombia Colpensiones vs AFP Pension Calculator
Simulate and compare your monthly retirement pension under Colombia's dual system: the public defined-benefit model (Colpensiones: 1,300 weeks, 65% - 80% replacement) versus private individual capitalization accounts (RAIS AFPs & 1,150 weeks minimum pension guarantee).
Pension Comparison: Public RPM vs Private RAIS
Colpensiones (Regimen de Prima Media)
PublicoEligible with 1,300+ weeks
Replacement Rate: 65.0% of IBL
Annual Payments: 13 Mesadas (Includes Mesada 13)
Fondos Privados (RAIS - Porvenir/Proteccion)
PrivadoAnnuity based on accumulated balance
Garantía de Pension Mínima: Eligible (1,150+ wks)
Devolucion de Saldos (if ineligible): $ 0.00
Updated Average Income (IBL): $ 0.00
Total Quoted Weeks: 1,450 weeks
Statutory Minimum Pension Floor (1 SMLMV): $ 0.00
Recommended Model for Your Profile: Colpensiones yields a higher monthly replacement
Statutory Comparison: Colpensiones vs Fondos Privados (Ley 100)
Under Colombian social security law (Ley 100 de 1993), citizens choose between two mutually exclusive regimes:
Colpensiones (RPM)
- Requirements: 62 years (men) / 57 years (women) and minimum 1,300 weeks.
- Calculated on the average salary of the last 10 years (IBL).
- Replacement rate ranges between 55% and 80%.
- Highly advantageous for middle-to-high income earners who maintain consistent employment.
Fondos Privados (RAIS)
- Pension depends on capital accumulation + interest yields.
- Garantía de Pension Mínima: requires only 1,150 weeks (3 years less than Colpensiones) at retirement age to guarantee 1 SMLMV.
- If not eligible for a pension, AFP returns 100% of capital plus inflation (*Devolucion de Saldos*).
📊 Liquidacion Oficial de Nomina y Prestaciones Sociales DIAN / MinTrabajo
| Statutory Component / Legal Deduction Item | Calculated Amount (COP) |
|---|---|
| Primary Net / Statutory Payable Amount | $0 COP |
MS
Engr. Muhammad Shahzad
Principal Financial Systems Architect & Colombian DIAN & Labor Law Compliance Principal Architect
Lead software and systems architect specializing in high-performance browser computing, algorithmic validation, financial models, and zero-telemetry client-side privacy architecture.