GSIS Pension Calculator

For government employees — estimate your monthly GSIS retirement pension from your average compensation and years of service.

How the GSIS pension is computed

Your Basic Monthly Pension (BMP) under RA 8291 is:

BMP = 2.5% × RAMC × years of service, where RAMC = AMC + ₱700

• AMC = your average monthly compensation over your last 36 months.
• Capped at 90% of your AMC.
• Minimum pension of ₱6,000 (board-approved floor, since February 2019).

The law states this slightly differently — 37.5% of RAMC, plus 2.5% of RAMC for every year of service beyond 15. Because 37.5% is exactly 2.5% × 15, the two phrasings give the same number for anyone with at least 15 years of service, which is what an old-age pension requires anyway. RAMC ("revalued" AMC) is defined as 170% of the first ₱1,000 of your AMC plus 100% of the rest, which for any AMC of at least ₱1,000 is simply AMC + ₱700.

📘 New to this? Read the full guide: How to compute your GSIS pension — worked examples, the two payout options, and the separation benefit.

A worked example: AMC ₱30,000, 20 years of service

1. RAMC = ₱30,000 + ₱700 = ₱30,700
2. BMP = 2.5% × ₱30,700 = ₱767.50 per year of service, × 20 years = ₱15,350
3. Cap check: 90% × ₱30,000 = ₱27,000 — the ₱15,350 result is well under it
4. Floor check: ₱15,350 is above the ₱6,000 minimum
5. Monthly pension: ₱15,350 for life — about 51% of your AMC

The ₱767.50 figure is the useful one: it is what a single extra year of service is worth, every month, for the rest of your life. Five more years at this AMC adds ₱3,837.50 a month, lifting the pension to ₱19,187.50.

Pension by years of service (AMC ₱30,000)

Pension by AMC (30 years of service)

Because the ₱700 add-on is flat, it matters far more at a low AMC than a high one — it lifts a ₱15,000 AMC by 4.7% but a ₱50,000 AMC by only 1.4%.

The cap and the floor

The 90% cap rarely binds, because 2.5% per year only reaches 90% of AMC after roughly 36 years — slightly less once the ₱700 add-on is counted. For AMCs between ₱15,000 and ₱50,000 the crossover falls at about 34 to 35 years of service. Example: an AMC of ₱20,000 with 35 years gives 2.5% × ₱20,700 × 35 = ₱18,112.50, but 90% × ₱20,000 = ₱18,000, so ₱18,000 is what's paid. The cap costs you ₱112.50 a month there — and every further year of service adds nothing.

The ₱6,000 floor works in the opposite direction and binds at low compensation. An AMC of ₱10,000 with 20 years computes to 2.5% × ₱10,700 × 20 = ₱5,350, so ₱6,000 is paid instead. At an AMC of ₱12,000 and the same service the formula gives ₱6,350 and the floor no longer applies — so between those two members, ₱2,000 of extra monthly salary buys only ₱350 of extra pension.

Who qualifies — and what if you don't

An old-age pension generally needs at least 15 years of service and the retirement age (60 optional / 65 compulsory), and you must not be receiving a GSIS permanent total disability pension. RA 8291 covers members who retired on or after 24 June 1997; earlier retirees fall under RA 660, RA 1616, or PD 1146. Under RA 8291 your last three years of service need not be continuous.

With fewer than 15 years there is no monthly pension — you receive a separation benefit instead: a one-time cash payment of 100% of AMC per year of service (minimum ₱12,000) if you have 3 to under 15 years, payable at 60 or at separation, whichever is later. Estimate it with the GSIS separation pay calculator. If you enter fewer than 15 years above, the calculator flags this rather than pretending a pension is payable.

Choosing how the pension is paid out

Once you qualify, RA 8291 (Section 13) lets you elect one of two payout options when you file. Using the ₱15,350 example above:

Option 1 pays your first five years of pension in advance, so no monthly pension arrives during that guaranteed period. Option 2 pays the 18 × BMP cash on top of a pension that starts right away. GSIS benefits, lump sums and monthly pensions alike, are exempt from income tax under Section 39 of RA 8291.

Common mistakes

• Using your current salary instead of the 36-month AMC. A promotion in your final year lifts the average only in proportion to the months you actually received the higher pay — roughly a third of the raise if it lands 12 months before you retire.
• Counting service without paid premiums. Only creditable service with paid contributions counts, so periods of leave without pay or unremitted premiums shorten the multiplier.
• Assuming the pension rises with inflation. It doesn't automatically — adjustments are recommended by the GSIS actuary and approved by the Board, not granted by law each year.
• Ignoring the 15-year cliff. Fourteen years of service yields a one-time cash payment; fifteen yields a pension for life. If you are close, the difference is enormous.

Frequently asked questions

What is one extra year of service worth?
2.5% of your RAMC per month, for life. At an AMC of ₱30,000 that is ₱767.50 a month; at ₱50,000 it is ₱1,267.50 — until the 90%-of-AMC cap is reached.

Why is my pension exactly ₱6,000?
Because the formula produced less. The ₱6,000 board-approved minimum for old-age and disability pensioners, in force since February 2019, tops the result up whenever 2.5% × RAMC × years falls below it.

Does the ₱700 RAMC add-on apply to everyone?
Effectively yes. RAMC is 170% of the first ₱1,000 of AMC plus 100% of the rest, which equals AMC + ₱700 for any AMC of ₱1,000 or more.

Is the GSIS pension taxable?
No. GSIS lump sums and monthly pensions are exempt from income tax under Section 39 of RA 8291 and the Tax Code, with no age or service conditions, and nothing is withheld from pension payments.

Where do I get my official figures?
Register on eGSISMO or the GSIS Touch app to see your service record, premiums, and a tentative computation. GSIS does not publish a public calculator, so pair this estimator with your own record.

Leaving government service before retirement? Estimate your GSIS separation benefit instead. Private-sector employee? Use the SSS pension calculator. Want to grow your retirement savings? Try compound interest or Pag-IBIG MP2. Curious what you keep from your pay today? See the take-home pay calculator.

Last updated: 2026-07-08. Based on the GSIS Basic Monthly Pension formula (RA 8291). An estimate only — your exact AMC and creditable service come from your GSIS records; confirm with GSIS.