SSS Pension Calculator Philippines 2026 UPDATED

Use this free SSS Pension Calculator Philippines 2026 to estimate your potential monthly retirement pension based on your contribution history, Average Monthly Salary Credit (AMSC), Credited Years of Service (CYS), and other retirement information.

Choose Quick Estimate if you know your salary and contribution history but do not know your AMSC or CYS. For a closer estimate, use Accurate Estimate and enter your AMSC, CYS, and total posted contributions.

The calculator compares the official Regular SSS pension formulas and shows the highest estimated basic monthly pension, the separate ₱1,000 additional benefit allowance, estimated 13th-month pension, and dependent’s pension when applicable.

Important: This is an independent retirement-planning tool, not an official SSS benefit determination. Your actual pension will be based on your records and eligibility verified by the Social Security System.

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

The calculator provides two ways to estimate your SSS retirement pension.

Quick Estimate

Use Quick Estimate if you do not know your official AMSC or Credited Years of Service.

Enter:

• your current age;
• planned retirement age;
• current monthly income or salary;
• total posted SSS contributions;
• approximate number of years with SSS contributions; and
• qualified dependent children, if applicable.

The calculator uses this information to create a planning estimate. Because your current salary is not necessarily the same as your official Average Monthly Salary Credit (AMSC), Quick Estimate should not be treated as an official pension computation.

For a more reliable calculation, first check your SSS contributions and salary credits online.

Accurate Estimate

Choose Accurate Estimate if you already know your:

• Average Monthly Salary Credit (AMSC);
• Credited Years of Service (CYS);
• total posted monthly contributions; and
• number of qualified dependent children.

You can also enter your retirement or contingency date so the calculator can display relevant information about the 2026 SSS Pension Reform Program.

The calculator compares the three Regular SSS retirement-pension calculations and identifies the highest estimated basic pension.

It then displays separately:

• Basic Monthly Pension
• ₱1,000 Additional Benefit Allowance
• Estimated Regular Monthly Pension
• Estimated 13th-Month Pension
• Dependent's Pension, when applicable
• Estimated Annual Pension

If you are unsure whether you already qualify for a monthly pension, read our guide explaining the 120 SSS contribution requirement.

Regular SSS Pension vs Pension Booster

The calculator's main result is an estimate of your Regular SSS retirement pension.

The Mandatory MySSS Pension Booster, formerly WISP, is a separate account-based benefit. Its value depends on contributions credited to the account and investment income, so it should not be added directly to the three Regular SSS pension formulas.

Members with contributions associated with MSC above ₱20,000 can read our guide to the Mandatory MySSS Pension Booster.

Your final retirement benefit can only be determined by SSS using your official membership and contribution records.

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.

Don't know your AMSC? Use our SSS AMSC Calculator to calculate it from your salary-credit history.

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.

Don't know your CYS? Use our SSS CYS Calculator to calculate your Credited Years of Service from your contribution history.

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:

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 MySSS Pension Booster or MPF?

The Mandatory Provident Fund (MPF) is an additional retirement-savings component administered by SSS for contributions associated with Monthly Salary Credit above ₱20,000, up to the current maximum MSC of ₱35,000.

SSS currently refers to this mandatory provident-fund component under the MySSS Pension Booster program. It was previously known as WISP.

For example, if your applicable MSC is ₱25,000:

• the contribution corresponding to the first ₱20,000 belongs to the Regular Social Security component; and
• the contribution corresponding to the additional ₱5,000 is credited to your Mandatory Provident Fund account.

Unlike the Regular SSS pension, the MPF benefit is not calculated using the three statutory pension formulas.

Instead, the benefit depends on your total accumulated account value, consisting of contributions plus net investment income at the time your claim is approved.

The Mandatory Pension Booster may provide benefits for retirement, permanent total disability, or death, and applicable claims are processed together with the Regular SSS benefit.

Our calculator therefore shows the Regular SSS pension separately and does not automatically add an estimated MPF amount.

Read our detailed guide to the Mandatory MySSS Pension Booster, formerly WISP if your contribution record contains MPF or WISP entries.

What Is the Voluntary MySSS Pension Booster?

The Voluntary MySSS Pension Booster, formerly known as WISP Plus, is an optional retirement-savings program available to eligible SSS members.

It is separate from both:

• the Regular SSS retirement pension; and
• the Mandatory Provident Fund component.

Eligible members may currently contribute as little as ₱500 per payment, subject to SSS rules and the limits of the collecting partner.

Your voluntary Pension Booster account grows through:

voluntary contributions + investment income

The eventual benefit depends on the accumulated account value and actual investment performance. It is therefore not appropriate to simply add a fixed Pension Booster amount to the Regular SSS pension formulas.

SSS reported that the voluntary Pension Booster recorded an average investment return of 6.2% from January to May 2026, but historical investment performance does not guarantee future returns.

For that reason, the calculator on this page focuses primarily on estimating your Regular SSS retirement pension. Check your actual Pension Booster balance and transactions through My.SSS for account-specific information.

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.

SSS Retirement Guides

Use these guides to check your SSS records, understand pension eligibility, and prepare a more accurate retirement estimate.

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

Calculator Methodology and Sources

The calculator on this page estimates the Regular SSS retirement pension using the statutory pension formulas and information entered by the user.

The Accurate Estimate compares the applicable Regular SSS pension formulas using AMSC and CYS and displays the highest estimated basic monthly pension. The separate ₱1,000 additional benefit allowance, 13th-month pension, dependent's pension, and applicable Pension Reform information are displayed separately.

The Quick Estimate is intended only for retirement planning because it approximates certain values from the information entered by the user. Your actual AMSC, CYS, contribution record, eligibility, and official pension amount can only be determined by SSS.

This page was manually reviewed against current primary SSS information, including:

• SSS Retirement Benefit rules
• Current SSS contribution guidance
• MySSS Pension Booster information
• applicable rules under the Social Security Act of 2018
• current SSS Pension Reform Program information

Last manually reviewed against official SSS sources: September 10, 2026.

SSS rules, contribution schedules, benefit amounts and procedures may change. When information on this website differs from current official SSS guidance, follow the latest information issued directly by the Social Security System.

Editorial disclaimer: SSSPensionCalculator.ph is an independent informational website and is not affiliated with or operated by the Philippine Social Security System. This calculator is for general information and retirement planning and does not constitute an official benefit determination, legal advice, tax advice, or financial advice.