SSS Pension Calculator Philippines (2026)

Use this free SSS Pension Calculator to estimate your possible monthly retirement income from the Regular SSS Program, Mandatory Provident Fund (MPF), and voluntary MySSS Pension Booster. The result is designed for retirement planning only. Your official pension will be based on your actual SSS contribution record, Average Monthly Salary Credit (AMSC), Credited Years of Service (CYS), retirement date, and other information held by the Social Security System.

Retirement Planning Tool

SSS Pension Calculator

Estimate your future monthly pension across Regular SSS, the Mandatory Provident Fund, and your own voluntary Pension Booster.

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1 Choose your goal pick whichever question fits you

I WANT an estimated monthly pension of:

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I CAN afford an additional monthly savings of:

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＊ This will be on top of your regular SSS contributions.

Important 2026 update: The current 15% SSS contribution rate and the ₱5,000 to ₱35,000 Monthly Salary Credit range took effect in January 2025—not January 2026. SSS also began the second tranche of its Pension Reform Program in June 2026 for eligible pensioners. Because that increase depends on a pensioner’s contingency date and the official SSS cut-off rules, it should be displayed separately from the standard pension formula rather than automatically added to every estimate.

How to Use the SSS Pension Calculator

SSS Pension Calculator

Enter the information requested by the SSS pension calculator and choose the retirement-planning question that applies to you. A quick projection may use your current age, monthly income, and planned voluntary savings. However, salary alone is not enough to reproduce an official SSS computation.

For a closer estimate, check your My.SSS account and use the following information when available:

  • Your total number of posted monthly contributions
  • Your official or estimated AMSC
  • Your CYS under the SSS rules
  • Your planned retirement or contingency date
  • Your MPF account value
  • Your MySSS Pension Booster balance or planned voluntary contribution
  • The number of qualified dependent children, up to five

The SSS pension calculator should show the Regular SSS pension separately from MPF and Pension Booster projections. MPF and Pension Booster are account-based benefits whose future value depends on contributions, investment earnings, fees, and payout assumptions. They are not part of the three statutory Regular SSS pension formulas.

Who Qualifies for a Monthly SSS Retirement Pension?

A member generally needs at least 120 monthly contributions before the semester of retirement to qualify for a lifetime monthly retirement pension.

  • Optional retirement at age 60: The member must generally be separated from employment or have ceased self-employment. The official rules also cover the applicable status of OFWs and household helpers.
  • Technical retirement at age 65: A qualified member may retire whether employed, self-employed, working as an OFW or household helper, or no longer working.

Special retirement ages apply to certain underground or surface mineworkers and racehorse jockeys. Members in those occupations should check the official SSS Retirement Benefit page rather than relying only on a general calculator.

If a member reaches retirement age with fewer than 120 monthly contributions, the usual benefit is a one-time lump sum equal to the total contributions paid, including interest earned. SSS also allows an eligible member with fewer than 120 contributions to continue paying as a voluntary member until the 120-month requirement is completed.

How the SSS Monthly Pension Is Computed

For a qualified retirement member, SSS compares three amounts and uses the highest result as the basic monthly pension. The separate ₱1,000 additional monthly benefit allowance is added afterward.

Formula 1

₱300 + (20% × AMSC) + [(2% × AMSC) × (CYS − 10)]

This formula rewards members who have more than 10 Credited Years of Service. Each CYS above 10 adds 2% of AMSC to the computation.

Formula 2

40% × AMSC

This formula is compared with Formula 1 and the applicable minimum pension only after the member has met the retirement-pension eligibility requirements. Having a high salary does not create monthly-pension eligibility when the member has fewer than 120 required contributions.

Formula 3: Minimum Retirement Pension

  • ₱1,200 for a qualified member with at least 10 CYS
  • ₱2,400 for a qualified member with at least 20 CYS

After SSS selects the highest basic amount, a separate ₱1,000 additional monthly benefit allowance is generally added for retirement pensioners receiving monthly pensions.

What Do AMSC and CYS Mean?

Average Monthly Salary Credit (AMSC)

AMSC is not simply your current salary, and it is not the average of your 60 highest salary credits. Under the implementing rules of Republic Act No. 11199, AMSC is the higher of:

  1. The sum of the last 60 Monthly Salary Credits immediately before the semester of contingency, divided by 60; or
  2. The sum of all Monthly Salary Credits paid before the semester of contingency, divided by the number of monthly contributions paid during the same period.

Your Monthly Salary Credit is the contribution and benefit base assigned under the SSS contribution schedule. It may differ from your exact take-home pay or gross salary.

Credited Years of Service (CYS)

For contributions from January 2002 onward, the relevant component of CYS is generally the total number of contributions divided by 12. Older contribution periods are treated differently:

  • For 1985 to 2001, a calendar year with at least six monthly contributions generally counts in the CYS computation.
  • Members covered before January 1985 may also receive credit for applicable years from the date of coverage through 1984.

Because of these historical rules, a long-time member should use the CYS shown or confirmed by SSS instead of assuming that CYS always equals total lifetime contributions divided by 12.

Sample SSS Pension Computation

Assume a qualified retirement member has:

  • AMSC: ₱20,000
  • CYS: 20 years
  • At least 120 monthly contributions before the semester of retirement

Formula 1:
₱300 + (20% × ₱20,000) + [(2% × ₱20,000) × (20 − 10)]
= ₱300 + ₱4,000 + ₱4,000
= ₱8,300

Formula 2:
40% × ₱20,000
= ₱8,000

Formula 3:
Minimum pension for at least 20 CYS
= ₱2,400

The highest basic monthly pension is ₱8,300. Adding the separate ₱1,000 additional monthly benefit allowance produces an estimated regular monthly amount of ₱9,300, before any applicable dependent’s pension, official Pension Reform Program adjustment, deduction, or account-based MPF benefit.

This example does not automatically add the 2026 pension increase because eligibility and the official adjustment depend on the member’s contingency date and SSS records.

Does the 2026 SSS Pension Increase Apply to This Estimate?

SSS began the early rollout of the second tranche of the Pension Reform Program on June 1, 2026. According to SSS:

  • Retirement and disability pensioners eligible as of May 31, 2026 receive a 10% increase beginning June 1, 2026.
  • Death and survivor pensioners eligible under the same cut-off receive a 5% increase.
  • Members whose retirement, disability, or death contingency falls from June 1 through August 31, 2026 receive the applicable increased pension beginning September 1, 2026.

The reform is date-dependent. A general calculator should therefore show the statutory Regular SSS estimate first and label any 2026 reform adjustment separately as “subject to official SSS eligibility and contingency-date rules.” Do not assume that every future retiree can simply multiply a projected pension by 10%.

Current SSS Contribution Rate and Salary Credits

The contribution schedule currently used in 2026 took effect in January 2025. The principal figures are:

ItemCurrent figure
Total SS contribution rate15% of the applicable Monthly Salary Credit
Minimum MSC₱5,000
Maximum total MSC₱35,000
Regular SS benefit MSCUp to ₱20,000
MPF portionMSC above ₱20,000 up to ₱35,000

For a regular business employee, the SS contribution is generally divided between the employer and employee under the official table. The employer also pays the applicable Employees’ Compensation contribution. Self-employed, voluntary, and land-based OFW members follow their respective contribution tables and generally pay the member contribution themselves.

What Is the Mandatory Provident Fund?

The Mandatory Provident Fund applies to the portion of a member’s MSC above ₱20,000, up to the prevailing maximum MSC of ₱35,000. Contributions allocated to MPF are credited to the member’s individual account.

Unlike the Regular SSS pension, which is computed under statutory formulas and paid for life to a qualified retiree, an MPF benefit depends on the member’s accumulated contributions and net investment income. For retirement, permanent total disability, or death, the benefit is based on the accumulated account value under the applicable MPF rules.

For example, when the total MSC is ₱25,000, the Regular SS component is based on ₱20,000 and the remaining ₱5,000 is the MPF salary-credit portion. The 15% contribution applicable to that excess is allocated according to the official member-type table.

What Is the MySSS Pension Booster?

The voluntary MySSS Pension Booster, previously known as WISP Plus, is a separate retirement-savings program for SSS members. SSS states that members may contribute as little as ₱500 per payment, with the maximum depending on the collecting partner.

Pension Booster contributions and investment earnings build an individual account. Returns are not guaranteed and will vary with actual fund performance.

For consistency with the official SSS retirement calculator’s current illustration basis, this calculator should disclose the following projection assumptions when used:

  • 6% assumed return on investment
  • 1% annual management fee
  • 15-year Pension Booster payout period

These figures are planning assumptions used for illustration. They are not a promise of future earnings or a guaranteed pension amount.

Other Benefits That May Affect the Amount Received

₱1,000 Additional Monthly Benefit

The ₱1,000 additional benefit allowance is separate from the basic monthly pension selected under the three formulas. It should be shown as a separate line in the calculator result.

13th Month Pension

A qualified retirement pensioner receives a 13th month pension in December. Under the SSS implementing rules, it is equivalent to the monthly pension due plus the applicable additional benefit allowance. It does not mean the retiree receives 14 regular payments in December; it is one additional pension payment for the year.

Dependent’s Pension

A qualified dependent child may receive the higher of:

  • 10% of the member’s monthly pension; or
  • ₱250 per month.

The benefit is limited to five dependent children, beginning with the youngest and without substitution. The child must meet the official dependency conditions. The ₱1,000 additional benefit allowance is separate and is not included when calculating the dependent’s pension.

Possible Deductions

The amount actually credited may be lower than a calculator estimate when SSS applies valid deductions, such as unpaid short-term member loans, overlapping benefits, or pension overpayments. Only SSS can determine the final payable amount.

How to Get a Better SSS Pension Estimate

  1. Check posted contributions regularly. Sign in to My.SSS and make sure your employer or payment channel posted every contribution correctly.
  2. Use your MSC record—not only your salary. Pension formulas use AMSC based on Monthly Salary Credits.
  3. Confirm your CYS. Historical rules make CYS more complicated for members with contributions before 2002.
  4. Include existing payment gaps. A projection that assumes uninterrupted future contributions may overstate the result.
  5. Keep MPF and Regular SSS separate. MPF is an individual account and is not added to AMSC when computing the three Regular SSS pension formulas.
  6. Treat Pension Booster projections as estimates. Actual earnings and future payouts can be higher or lower than an assumed return.
  7. Use the correct retirement date. The date can affect eligibility, the contribution cut-off, and any Pension Reform Program adjustment.

Are SSS Retirement Benefits Taxable?

Benefits received under the Social Security System are excluded from gross income under the Philippine National Internal Revenue Code. SSS also describes the voluntary Pension Booster’s contributions and investment earnings as tax-free. Members with unusual tax circumstances or benefits from several countries should obtain advice based on their individual situation.

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How to Check Your Official SSS Pension Estimate

This independent SSS pension calculator cannot access your private SSS record. To check the official information:

  1. Sign in to the My.SSS portal.
  2. Review your posted contributions and Monthly Salary Credits.
  3. Use the official SSS Pension Calculator.
  4. For a formal claim or record issue, contact SSS, visit an SSS branch, or call Hotline 1455.

Frequently Asked Questions

A member generally needs at least 120 monthly contributions before the semester of retirement. A member with fewer than 120 may receive a lump sum or may be allowed to continue contributing voluntarily until the requirement is completed.

Under the statutory Regular SSS rules, the minimum basic pension is ₱1,200 for a qualified retiree with at least 10 CYS and ₱2,400 for a qualified retiree with at least 20 CYS. The separate ₱1,000 additional monthly benefit allowance is generally added afterward. Any Pension Reform Program adjustment depends on official eligibility.

There is no single maximum amount that applies to every retiree. The Regular SSS formula depends on AMSC and CYS, while MPF and voluntary Pension Booster benefits depend on accumulated account value. The Regular SS benefit computation currently uses an MSC of no more than ₱20,000, but additional CYS can still affect Formula 1.

Not under the normal retirement-pension qualification rule. SSS may allow the member to continue paying as a voluntary member to complete 120 contributions. Otherwise, the member generally receives a lump-sum retirement benefit, including applicable interest.

No. That is generally the rule for the component covering contributions from January 2002 onward. Contributions from 1985 to 2001 and coverage before 1985 follow different CYS rules.

No. The 2026 Pension Reform Program increase is subject to SSS eligibility, pension type, contingency date, and cut-off rules. It should not be automatically added to every projected future pension.

Each qualified dependent child may receive 10% of the member’s monthly pension or ₱250, whichever is higher, for no more than five children and subject to the official dependency rules.

Yes. They may qualify when they meet the applicable retirement-age and contribution requirements. Their official pension is still based on the SSS benefit rules and their posted contribution record.

Yes. An SSS retirement pension is a social-security benefit based on SSS membership and contributions. Employer retirement pay is governed by the applicable employment law, collective agreement, company plan, or employment contract. Eligibility for one should not be assumed solely from eligibility for the other.

Calculator Methodology and Sources

This page was reviewed against the following primary sources:

Last reviewed against official sources: August 3, 2026.

Editorial disclaimer: This SSS pension calculator and guide are for general information and retirement planning. They do not constitute an official benefit determination, legal advice, tax advice, or financial advice. SSS records and decisions control the final benefit.