Last updated: November 11, 2026
This SSS pension calculator estimates your monthly retirement pension from your average monthly salary credit and your credited years of service, using the formula published by SSS. Below the calculator you will find the formula, the minimum pension, a pension table, and who qualifies.
- The monthly pension is the highest of: ₱300 + 20% of AMSC + 2% of AMSC for each credited year beyond 10; 40% of AMSC; or the minimum pension.
- The minimum pension is ₱1,200 with at least 10 credited years and ₱2,400 with at least 20 credited years.
- You need at least 120 monthly contributions. With fewer, SSS pays a lump sum instead.
- Every retirement pensioner also gets a ₱1,000 additional benefit and a 13th month pension each December.
- Salary credit above ₱20,000 goes to the Mandatory Provident Fund and does not raise the regular pension, so this tool caps the AMSC at ₱20,000.
SSS Pension Calculator (2026)
Enter your average monthly salary credit (AMSC) and credited years of service (CYS). Defaults show the SSS example of ₱20,000 and 25 years.
How the SSS Retirement Pension Is Computed
SSS computes three amounts and pays you the highest:
- ₱300 + (20% × AMSC) + (2% × AMSC) × (CYS − 10)
- 40% × AMSC
- The minimum pension: ₱1,200 with at least 10 credited years of service, or ₱2,400 with at least 20 credited years.
AMSC is your average monthly salary credit and CYS is your credited years of service. Example from the SSS formula: with an AMSC of ₱20,000 and 25 credited years, formula 1 gives ₱300 + ₱4,000 + (₱400 × 15) = ₱10,300, formula 2 gives ₱8,000, and the minimum is ₱2,400. The highest is ₱10,300 a month, or ₱11,300 with the ₱1,000 additional benefit.
SSS Pension Table 2026 (Monthly Pension by AMSC and Years)
Monthly pension before the ₱1,000 additional benefit, using the same formula:
| Average monthly salary credit | 10 years | 15 years | 20 years | 25 years | 30 years | 35 years |
|---|---|---|---|---|---|---|
| ₱5,000 | ₱2,000 | ₱2,000 | ₱2,400 | ₱2,800 | ₱3,300 | ₱3,800 |
| ₱10,000 | ₱4,000 | ₱4,000 | ₱4,300 | ₱5,300 | ₱6,300 | ₱7,300 |
| ₱15,000 | ₱6,000 | ₱6,000 | ₱6,300 | ₱7,800 | ₱9,300 | ₱10,800 |
| ₱20,000 | ₱8,000 | ₱8,000 | ₱8,300 | ₱10,300 | ₱12,300 | ₱14,300 |
Who Qualifies for an SSS Retirement Pension?
- At least 120 monthly contributions before the semester of retirement.
- Optional retirement at age 60, if you have separated from employment or stopped self-employment.
- Technical retirement at age 65, whether or not you are still working.
- With fewer than 120 contributions, you get a lump sum equal to your total contributions plus interest, instead of a pension.
Other Retirement Benefits
SSS adds a ₱1,000 additional benefit to every retirement pension (effective January 1, 2017) and pays a 13th month pension every December. The pension reform program SSS announced in 2025 may change benefits for pensioners, so check the SSS website for the latest.
Why Salary Credit Above ₱20,000 Does Not Raise the Pension
If your monthly salary credit is above ₱20,000, the part of your contribution above that threshold goes to the Mandatory Provident Fund (MPF), a separate individually owned savings account. It is not credited to the Regular SS Program, so it does not increase the formula pension. It is paid out separately. See the SSS contribution table for how the split works.
How to Increase Your SSS Pension
- Add credited years. Each year beyond 10 adds 2% of your AMSC to formula 1. Going from 20 to 30 years at an AMSC of ₱20,000 raises formula 1 from ₱8,300 to ₱12,300.
- Raise your AMSC toward the ₱20,000 level that counts for the regular pension.
- Keep contributions continuous so every month is posted.
SSS contributions handled correctly
Accurate, on-time SSS remittances protect your employees’ future pensions. Asiacruit manages SSS, PhilHealth and Pag-IBIG for every Philippines hire, with or without a local entity.
Explore Employer of Record PhilippinesOfficial sources: SSS retirement benefit and the SSS pension calculator. Always confirm current rules with SSS before acting.
Frequently Asked Questions
SSS pays the highest of three amounts: (1) ₱300 + 20% of the average monthly salary credit (AMSC) + 2% of the AMSC for every credited year of service beyond 10; (2) 40% of the AMSC; or (3) the minimum pension, which is ₱1,200 with at least 10 credited years and ₱2,400 with at least 20. All retirement pensioners also receive a ₱1,000 additional benefit.
At least 120 monthly contributions before the semester of retirement. Members with fewer than 120 contributions who reach retirement age get a lump sum equal to their total contributions plus interest instead.
₱1,200 a month for members with at least 10 credited years of service, and ₱2,400 a month for those with at least 20 credited years, before the ₱1,000 additional benefit.
Optional retirement is at age 60, if you have separated from employment or stopped self-employment. Technical retirement is at age 65, whether or not you are still working. Some mineworkers and jockeys qualify earlier.
Not in the regular pension formula. For monthly salary credits above ₱20,000, the portion above that threshold goes to the Mandatory Provident Fund, a separate individual savings account, and is not credited to the Regular SS Program. This calculator therefore caps the AMSC at ₱20,000.
Yes. SSS pays a 13th month pension to retirees every December.
Related: need cash before payday? See the SSS salary loan calculator for eligibility, interest and the monthly payment.
