ezPERA is a digital PERA administration platform that helps Philippine employers unlock meaningful tax advantages while giving their people a retirement benefit that actually matters.
ezPERA handles the administration so your team doesn't have to. From onboarding to compliance reporting, everything runs through one platform.
Your HR team accesses the Employer Benefits Portal to configure contribution structures, set up payroll authorization, and designate how employer contributions will be made.
Employees complete KYC and account opening through the ezPERA mobile app. They choose their own investment funds and can monitor their portfolio in real time.
Employee salary deductions and employer contributions are processed each payroll cycle. ezPERA coordinates with your accredited fund providers and bank partners.
Under RR 22-2025 implementing CMEPA, employers who contribute to employee PERA accounts may deduct 150% of those contributions from taxable income. That's 100% as an ordinary business expense plus an additional 50% on top.
The 150% deduction is subject to compliance with RR 22-2025 and the PERA Act. Tax outcomes vary by company structure. We recommend engaging a tax advisor for advice specific to your organization.
PERA can be integrated into how you already compensate your people. These are three common ways employers can structure contributions under current regulations.
When employees elect to channel a portion of a performance bonus into their PERA account before the bonus is constructively received, the contribution may qualify for the withholding tax exemption.
Certain employer-paid allowances can be structured as PERA contributions rather than cash. When properly documented before disbursement, these may qualify for the employer's 150% deduction.
Rather than passing a salary increment entirely as cash, employers can structure part of the increase as a direct PERA contribution, potentially capturing the 150% deductibility advantage.
Backed by Zalamea, with over a decade of experience managing retirement plans and doing actuarial valuations for large Philippine employers.
The Employer Benefits Portal is designed for the people who actually run payroll and benefits programs — clean workflows and compliance reporting built in.
The ezPERA app gives your employees a simple, intuitive way to open their PERA accounts, choose their investments, and track savings from their phone.
ezPERA works with accredited Philippine banks and fund providers, giving employees access to a range of investment options within their PERA accounts.
Zalamea has spent over a decade as the actuarial and retirement plan administrator behind some of the Philippines' largest employer-sponsored benefit programs. ezPERA is the digital platform bringing that same expertise to PERA administration, built for the way HR and finance teams actually work.
All PERA accounts opened through ezPERA are subject to BSP, BIR, and SEC regulatory requirements. Tax benefits are subject to eligibility conditions under the PERA Act and RR 22-2025.
We're currently onboarding our first employer partners. If you're an HR or finance decision-maker at a Philippine company and want to understand how PERA could work for your team, we'd be glad to walk you through it.
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