Your Afore didn't vanish when you moved to the US

Worked examples

Three runs of this calculator, computed on August 5, 2026 using the same code and the same data files this page uses. Nothing here is illustrative — change any input above to run your own.

Left Puebla at 38, nine years of IMSS contributions

Inputs: When did you first contribute to IMSS?: After July 1, 1997 (Ley 97) · Your age: 47 · Weeks contributed (approx.): 412 · Years you contributed: 9 · Estimated balance (MXN, optional): 186400

Your regime: Ley 97: Full withdrawal

With 412 weeks (875 required in 2026), your route is the NEGATIVA DE PENSIÓN: you withdraw your FULL balance in one payment.

✓ Your Afore is still yours, still earning — and collectible from the US. No return trip needed.

⚠ The Afore computes the exact withholding (effective rate, up to 20% of the excess) — and over-withholding is refundable via your SAT annual return.

Your route

• Regime: Ley 97 (first contribution after Jul 1997)
• Weeks required in 2026: 875 (rises to 900 in 2027)
• Your route: Negativa de pensión → full balance withdrawal
• Age to start: From age 60 — 13 years away (SAR 92 releases at 65)
• ISR-exempt (9 years × 90 UMA): MX$95,021
• Taxable excess: MX$91,379 (withholding up to ≈ MX$18,276, refundable)

How to collect it from the US (official steps)

• Locate your account: AforeMóvil app (works in the US) or e-sar.com.mx — your CURP finds which Afore holds your money
• Guidance from the US: SARTEL USA 1-844-582-4933 (Mon–Fri 8–20h CDMX) or your consulate's financial-advice desk (VAF)
• The withdrawal itself: In person in Mexico, or via POWER OF ATTORNEY to a trusted relative — issued at your consulate, no apostille needed
• Practical requirement: A Mexican bank account with CLABE to receive the deposit

Ley 73 veteran, 61 years old, qualifies for IMSS pension

Inputs: When did you first contribute to IMSS?: Before July 1, 1997 (Ley 73) · Your age: 61 · Weeks contributed (approx.): 742 · Years you contributed: 15 · Estimated balance (MXN, optional): 634800

Your regime: Ley 73: Pension + payout

With 742 weeks you clear the 500 required — pension route (plus subaccount payout when you pension).

✓ Your Afore is still yours, still earning — and collectible from the US. No return trip needed.

⚠ The Afore computes the exact withholding (effective rate, up to 20% of the excess) — and over-withholding is refundable via your SAT annual return.

Your route

• Regime: Ley 73 (first contribution before Jul 1997)
• Weeks required: 500
• Your route: IMSS pension at 60–65 + subaccount payout
• Age to start: You can start now (you're 61; opens at 60)
• ISR-exempt (15 years × 90 UMA): MX$158,369
• Taxable excess: MX$476,432 (withholding up to ≈ MX$95,286, refundable)

How to collect it from the US (official steps)

• Locate your account: AforeMóvil app (works in the US) or e-sar.com.mx — your CURP finds which Afore holds your money
• Guidance from the US: SARTEL USA 1-844-582-4933 (Mon–Fri 8–20h CDMX) or your consulate's financial-advice desk (VAF)
• The withdrawal itself: In person in Mexico, or via POWER OF ATTORNEY to a trusted relative — issued at your consulate, no apostille needed
• Practical requirement: A Mexican bank account with CLABE to receive the deposit

Thirteen weeks short of the 875-week threshold

Inputs: When did you first contribute to IMSS?: After July 1, 1997 (Ley 97) · Your age: 63 · Weeks contributed (approx.): 862 · Years you contributed: 18 · Estimated balance (MXN, optional): 148900

Your regime: Ley 97: Full withdrawal

With 862 weeks (875 required in 2026), your route is the NEGATIVA DE PENSIÓN: you withdraw your FULL balance in one payment.

✓ Your Afore is still yours, still earning — and collectible from the US. No return trip needed.

ℹ️ With 18 contributed years, about MX$190,042 of your withdrawal is ISR-exempt (90 UMA per year, LISR Art. 93).

Your route

• Regime: Ley 97 (first contribution after Jul 1997)
• Weeks required in 2026: 875 (rises to 900 in 2027)
• Your route: Negativa de pensión → full balance withdrawal
• Age to start: You can start now (you're 63; opens at 60)
• ISR-exempt (18 years × 90 UMA): MX$190,042
• Expected withholding: MX$0 — your balance fits inside the exemption

How to collect it from the US (official steps)

• Locate your account: AforeMóvil app (works in the US) or e-sar.com.mx — your CURP finds which Afore holds your money
• Guidance from the US: SARTEL USA 1-844-582-4933 (Mon–Fri 8–20h CDMX) or your consulate's financial-advice desk (VAF)
• The withdrawal itself: In person in Mexico, or via POWER OF ATTORNEY to a trusted relative — issued at your consulate, no apostille needed
• Practical requirement: A Mexican bank account with CLABE to receive the deposit

Examples are recomputed whenever the underlying rates or data change; the date above is the last recompute.