mipension.mx

What It Is

MiPensión.MX is an iPhone, iPad, and Mac app for estimating IMSS pensions in Mexico. Based on the 1973 and 1997 versions of the Social Security Law and official DOF documents, it helps users estimate pensions and understand the factors involved in retirement planning. The website also clearly states that the app is intended only for informational, educational, and estimation purposes, and cannot replace official IMSS channels or be used for official procedures.

Core Features

The product offers a fairly complete set of vertical features around pension calculation, including IMSS pension calculations, intelligent reading of contribution-week reports, future value projections, optimal scenario analysis for Modalidad 40, and professional PDF report generation. For advisor use cases, file management, contact syncing, appointment calendars, and reminders are also fairly practical. Its design is clearly geared toward the Apple ecosystem, emphasizing use on iPhone, iPad, and Mac.

Pricing and Plans

The product uses a “paid app + in-app subscription” model. After purchasing the app, users can use 1 file, run unlimited simulations, and make unlimited adjustments to salary and employment status. Plus costs 199 MXN/month and supports up to 5 files and basic PDFs. Profesional costs 399 MXN/month and increases the limit to 20 files, with unlimited editing, appointment reminders, M40 comparisons, and advanced PDFs. Profesional+ costs 2,999 MXN/year, offers unlimited files, and allows advisors to add their name and custom logo to PDFs.

Pros and Cons

Its strengths are its very clear positioning, making it well suited to IMSS retirement planning in Mexico; its feature coverage spans data import, calculations, scenario analysis, and report output; payments are handled by Apple, and the website states that data is stored only on the user’s device. Its limitations are that the results have no official validity and accuracy is not absolutely guaranteed; the platform is limited to Apple devices; and there is no visible information about a web version, Android app, API, team permissions, or enterprise-grade security certifications.

Who It’s For and Access from China

It is better suited to individuals and families in Mexico, as well as retirement planning advisors who handle pension consultations for multiple clients. If multi-user collaboration, centralized client management, or integration with CRM/financial systems is required, the currently disclosed information is insufficient. Access from China cannot be determined from the text, and since the app mainly relies on the Apple App Store, actual availability depends on the account region and network environment.