Are CIMR contributions tax-deductible in Morocco?

Yes, employee contributions to CIMR are 100% deductible from gross taxable wage before computing Personal Income Tax (IR) under Article 59 of the Moroccan General Tax Code.

Does delaying liquidation beyond age 60 enhance CIMR pension payouts?

Yes, members postponing retirement to age 63 or 65 benefit from statutory bonus coefficients ranging from 15% to 25% additional annuity value.

MoroccoUpdated for 2026pension

Morocco CIMR Supplementary Private Pension Calculator 2026

Calculate points accumulation, estimated monthly annuity, and income tax savings for private sector executives in Caisse Interprofessionnelle Marocaine de Retraite (CIMR) for 2026.

Pensions & Superannuation Retirement & Pensions Savings Growth

Calculated Result

Estimated Monthly Pension Annuity

5,692.5MAD

Calculator Inputs

Gross Monthly Salary (MAD)

MAD

Employee Contribution Rate (%)

Employer Contribution Rate (%)

Years of Contribution

yrs

Liquidation Age

Estimated Monthly Pension Annuity

5,692.5MAD

Total Cumulative CIMR Points

20,700 points

Total Monthly Contribution

2,070 MAD

Annual Income Tax (IR) Savings

3,672 MAD

This simulator provides actuarial approximations based on representative acquisition and liquidation point values approved by ACAPS. Definitive liquidation values are fixed annually by the CIMR General Assembly.

Official Statute: النظام الأساسي والداخلي للصندوق المهني المغربي للتقاعد (CIMR) بموجب القانون رقم 64.12 لهيئة مراقبة التأمينات والاحتياط الاجتماعي (ACAPS)Last Verified: 2026-09-08

Calculation Methodology

CIMR operates a points-based system: combined employee and employer monthly contributions convert to retirement points divided by the purchase benchmark (30 MAD). At retirement, accumulated points are multiplied by the point value (3.30 MAD/year) and adjusted by liquidation age factor.

Frequently Asked Questions

CNSS is mandatory and capped at 6,000 MAD/month wage ceiling, while CIMR is a supplementary points-based scheme without salary limits, ideal for middle and upper management.

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Morocco

Morocco CIMR Supplementary Private Pension Calculator 2026

Calculator Inputs

Calculation Methodology

Frequently Asked Questions

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