The pera retirement table is a practical planning tool that shows how much you can save each year under the Philippines' Personal Equity and Retirement Account (PERA) program. It looks simple on paper, yet many savers misread it and end up confused about contribution caps and tax breaks.
According to the Bureau of the Treasury, PERA accounts are capped at ₱200,000 per year for resident Filipinos, and overseas workers get ₱400,000 — a rule that surprises a lot of new contributors. The real problem isn't the math; it's that people don't know which table to trust or how the numbers connect to actual retirement outcomes.
This guide breaks down what the table means, how to read it in minutes, and how to avoid the mistakes that quietly erode your savings. You'll get concrete benchmarks, a comparison table, and clear next steps.
What the pera retirement table actually shows
The pera retirement table is a reference grid that projects your savings balance over time under different contribution levels. It typically tracks two variables: annual contribution and the number of years you stay invested.
Most versions assume a fixed rate of return and compound interest, but the input that matters most is consistency. A contributor who adds a modest amount every year usually beats someone who lumps in a large sum late.
Here is how to read the key columns:
- Annual contribution — the amount you can lock in reliably each year.
- Years to retirement — time horizon, the
