Allotment Hub
ALLOTMENT HUB
PERA Planner
Plan PERA contributions for local or overseas Filipino workers. Estimate 5% tax credit and early withdrawal penalties.
For estimates only. Not financial advice. Rates as of 2026-10-12; confirm with Pag-IBIG/SSS/BSP/your lender.
Amount display:FX from Currency tool · 2026-10-09
Annual cap: ₱400,000
Est. tax credit (5%): ₱5,000 (max ₱20,000)
Projected balance: ₱1,320,679
Early penalty on income (20%): ₱4,000
Qualified withdrawals are generally at age 55 with at least 5 years of PERA contributions, or upon death/accredited disability — confirm on BSP PERA materials.
Early non-qualified withdrawals may repay previously claimed tax credits plus penalty on investment income — confirm with your PERA administrator.