SSS Pension Calculator Philippines

How the SSS pension is computed

The SSS computes your pension three ways and pays whichever gives the highest amount. The first formula rewards both your salary credit and your years of service, the second is a flat 40% of your average salary credit, and the third is a guaranteed minimum based on your years of service.

A ₱1,000 additional benefit (RA 11199, effective January 2017) is then added on top of whichever formula wins. Retirees also receive a 13th-month pension every December equal to one monthly pension. Neither the dependent's pension nor the Pension Reform Program increase is part of the base figure this calculator shows.

What shapes your pension

Three things drive the final amount under the Social Security Act of 2018 (RA 11199).

Example: 25 years at a ₱20,000 salary credit

Here is how the three formulas compare for a member retiring with 25 credited years and a ₱20,000 average salary credit.

Formula 1 gives the highest amount here, so it governs. The ₱1,000 additional benefit is added to reach the final monthly pension.

What is the Monthly Salary Credit (MSC)?

The Monthly Salary Credit is the salary bracket SSS assigns to your contributions — not your exact salary. Since the 2025 increase it runs from ₱5,000 to ₱35,000 in ₱500 steps. Your contributions and your future pension are both based on the MSC. The value that drives the formulas is your Average Monthly Salary Credit (AMSC), which SSS computes under RA 11199 as the higher of your last-60-MSC average or your all-MSC average — not a simple lifetime average.

One important limit: the three pension formulas use an AMSC capped at ₱20,000. The portion of your MSC above ₱20,000 (up to ₱35,000) funds the Mandatory MySSS Pension Booster (formerly WISP) — a separate defined-contribution benefit with market-based returns — rather than increasing your formula-based monthly pension. So above ₱20,000, paying at a higher salary credit builds your Pension Booster account, not the regular pension.

Because the pension is based on contributions through your AMSC rather than your final salary, contributing at a higher salary credit up to the ₱20,000 ceiling — and for more years — builds a bigger pension. See how the MSC maps to contributions in the SSS contribution guide.

Voluntary members and your pension after 10 years

Voluntary members, self-employed members, and OFWs earn the SSS pension the same way employees do — the same three formulas apply, based on your average salary credit and credited years of service. You need at least 120 monthly contributions before the semester of retirement to receive a lifetime monthly pension instead of a one-time lump sum; Credited Years of Service (CYS) is a separate value used inside the formula.

At about 10 credited years the flat 40%-of-AMSC formula usually governs: a ₱20,000 AMSC gives about ₱8,000, plus the ₱1,000 additional benefit for roughly ₱9,000 per month. A lower AMSC may instead be lifted to the ₱1,200 minimum benefit. Each credited year beyond 10 then adds 2% of your AMSC under the first formula, up to the ₱20,000 ceiling. Walk through the full computation in our guide to computing your SSS pension.

2025–2027 Pension Reform Program (not included above)

Under SSS Circular 2026-002, eligible retirement and disability pensioners receive a 10% increase and survivorship pensioners a 5% increase in monthly pension, rolled out in tranches from 2025 to 2027. For 2026 the increase was moved earlier: pensioners as of May 31, 2026 receive it effective June 1, 2026, while members whose contingency falls between June 1 and August 31, 2026 receive it effective September 1, 2026. The 2027 tranche follows the official cutoff and effectivity rules.

These increases are date-gated by your retirement or contingency date, so they are not added to the estimate above. This calculator does not collect enough information to determine which tranche applies to you. It shows the regular statutory pension (highest formula) plus the ₱1,000 additional benefit only. Confirm any Pension Reform increase with SSS.

Good to know

• The SSS always pays the highest of the three formulas, so you never need to pick one yourself.
• Under the first formula, each additional credited year of service beyond 10 adds 2% of your AMSC — but only up to the ₱20,000 AMSC ceiling.
• Contributing at a higher salary credit raises your pension only up to the ₱20,000 AMSC ceiling; contributions on the MSC above ₱20,000 fund the Mandatory MySSS Pension Booster (formerly WISP) instead.
• Retirement-pension eligibility needs at least 120 monthly contributions before the semester of retirement. Credited Years of Service (CYS) is a separate value used only inside the formula.
• The minimum benefit is ₱1,200 for 10 to under 20 credited years and ₱2,400 for 20 years or more; the ₱1,000 additional benefit is then added on top.
• Dependent children may qualify for an additional dependent’s pension, which this estimate does not include.