SSS Pension Calculator
Estimate your monthly SSS retirement pension from your average salary credit and years of service.
Estimate your SSS pension
| Formula 1 (₱300 + 20% + 2%/yr) | |
| Formula 2 (40% of AMSC) | |
| Formula 3 (minimum pension) | |
| Basic pension (highest) | |
| + Additional benefit | |
| Monthly pension |
Estimate using the SSS formulas — your pension is the highest of three formulas, plus a ₱1,000 additional benefit. A monthly pension requires at least 120 contributions (~10 years); with fewer, you'd receive a lump sum instead. A 13th-month pension is also paid every December. Confirm with the official My.SSS retirement calculator.
How the SSS pension is computed
Your basic pension is the highest of these three formulas, based on your Average Monthly Salary Credit (AMSC) and Credited Years of Service (CYS):
- ₱300 + 20% × AMSC + 2% × AMSC × (CYS − 10)
- 40% × AMSC
- Minimum: ₱1,200 (10+ years) or ₱2,400 (20+ years)
A flat ₱1,000 additional benefit is added on top, and a 13th-month pension is paid every December.
The three formulas exist because each protects a different kind of member. Formula 2 rewards a high salary credit even with modest service; Formula 1 rewards long service and eventually overtakes it; Formula 3 is a floor for members whose salary credits were very low. You do not choose — SSS applies whichever produces the biggest number.
A worked example: AMSC ₱20,000, 30 credited years
Step by step, with an AMSC of ₱20,000 and 30 credited years of service:
- Formula 1: ₱300 + (20% × ₱20,000 = ₱4,000) + (2% × ₱20,000 = ₱400 per year × 20 years beyond 10 = ₱8,000) = ₱12,300
- Formula 2: 40% × ₱20,000 = ₱8,000
- Formula 3: ₱2,400, because service is at least 20 years
- Basic pension = the highest of the three = ₱12,300
- + ₱1,000 additional benefit → ₱13,300 a month
That is about ₱159,600 over twelve months, plus the December 13th-month pension on top. Note the shape of Formula 1: the "20% plus 2% per extra year" wording simplifies to a much easier expression once you have at least 10 credited years — ₱300 + 2% × AMSC × CYS. With ₱20,000 and 30 years that is ₱300 + ₱12,000 = ₱12,300, the same answer. Each additional credited year is worth exactly 2% of your AMSC, or ₱400 a month here.
Which formula actually wins
At an AMSC of ₱20,000, Formula 2 leads until service passes roughly 19 years, then Formula 1 takes over and keeps climbing:
| CYS | Formula 1 | Formula 2 | Formula 3 | Monthly pension |
|---|---|---|---|---|
| 10 | ₱4,300 | ₱8,000 | ₱1,200 | ₱9,000 |
| 15 | ₱6,300 | ₱8,000 | ₱1,200 | ₱9,000 |
| 19 | ₱7,900 | ₱8,000 | ₱1,200 | ₱9,000 |
| 20 | ₱8,300 | ₱8,000 | ₱2,400 | ₱9,300 |
| 30 | ₱12,300 | ₱8,000 | ₱2,400 | ₱13,300 |
| 40 | ₱16,300 | ₱8,000 | ₱2,400 | ₱17,300 |
This is the single most counter-intuitive feature of the SSS pension: between 10 and about 19 credited years, extra service adds nothing, because the flat 40% formula is still ahead. The crossover sits at CYS = 20 − ₱15,000 ÷ AMSC, so it lands between 18 and 20 years for most members. Past that point every year adds 2% of AMSC for life.
Pension projection by AMSC and credited years
Estimated monthly pension (including the ₱1,000 additional benefit) at different combinations:
| AMSC | 10 yrs | 20 yrs | 25 yrs | 30 yrs | 35 yrs |
|---|---|---|---|---|---|
| ₱10,000 | ₱5,000 | ₱5,300 | ₱6,300 | ₱7,300 | ₱8,300 |
| ₱15,000 | ₱7,000 | ₱7,300 | ₱8,800 | ₱10,300 | ₱11,800 |
| ₱20,000 | ₱9,000 | ₱9,300 | ₱11,300 | ₱13,300 | ₱15,300 |
| ₱25,000 | ₱11,000 | ₱11,300 | ₱13,800 | ₱16,300 | ₱18,800 |
| ₱30,000 | ₱13,000 | ₱13,300 | ₱16,300 | ₱19,300 | ₱22,300 |
| ₱35,000 | ₱15,000 | ₱15,300 | ₱18,800 | ₱22,300 | ₱25,800 |
Ceilings and floors
Two limits bracket the result. At the top, this calculator caps the AMSC at ₱35,000 — the Monthly Salary Credit ceiling — so entering a higher figure changes nothing. Contributions on the MSC portion above ₱20,000 go to the MySSS Pension Booster (MPF), a separate account paid on top of the regular pension rather than through these formulas, so a high earner's total retirement money is larger than the number shown here.
At the bottom, Formula 3 sets a floor of ₱1,200 (10+ years) or ₱2,400 (20+ years). It only binds at low salary credits: with an AMSC of ₱5,000 and 20 credited years, Formula 1 gives ₱2,300 and Formula 2 gives ₱2,000, so the ₱2,400 minimum wins — ₱3,400 a month with the additional benefit.
Who qualifies — and what if you don't
You need at least 120 monthly contributions (~10 years) to get a monthly pension; with fewer, you receive a lump sum. Optional retirement is at age 60 (if separated from work), or 65 (technical). This calculator flags a CYS under 10 with a warning, because in that case the formulas above simply don't apply — the benefit becomes a one-time payment based on your contributions rather than a lifetime monthly pension.
Common mistakes
- Using your current salary as the AMSC. The AMSC is an average of your salary credits, which are capped by the MSC ceiling and reflect years when you may have earned much less. It is usually lower than today's pay.
- Counting employed years instead of paid contributions. Only months with posted contributions count toward CYS. Gaps from unemployment, unposted employer remittances, or a delayed shift to voluntary payments all shorten it.
- Reading the estimate as a future-proof figure. This calculator works in today's pesos and projects no inflation or future adjustment. Over a retirement lasting decades, purchasing power matters as much as the peso amount — treat the result as a base, not a plan.
- Stopping at 15 years. As the table above shows, service between 10 and about 19 years may add nothing at all — the payoff for staying arrives past the crossover.
Frequently asked questions
Is the ₱1,000 additional benefit part of the formula?
No — it is added after the highest of the three formulas is determined, so
every pensioner receives it regardless of which formula produced the basic
pension.
Why does my pension barely change between 10 and 19 years?
Because the flat 40%-of-AMSC formula is still the highest of the three in
that range. Formula 1 only overtakes it at around 19 to 20 credited years,
after which each year adds 2% of your AMSC.
Does a raise late in my career lift my pension?
Only through the average. The AMSC blends your salary credits over your
contribution history, so a few high-salary years near the end move it far
less than people expect — and never above the ₱35,000 ceiling.
Will this match the official SSS computation?
It reproduces the published formulas, but SSS uses your actual posted
contribution record to derive the AMSC and CYS. Check your record in My.SSS
first; a difference in AMSC of ₱1,000 moves a 30-year pension by ₱600 a
month.
What does a very long career at the maximum salary credit look like?
With the AMSC at its ₱35,000 ceiling and 40 credited years, the estimate is
₱29,300 a month (₱28,300 basic plus the ₱1,000 additional benefit). Because
each credited year adds 2% of AMSC, longer service keeps raising the figure.
Contributions on the salary-credit portion above ₱20,000 also build your MPF
account, which is paid on top of the pension shown here.
Government employee instead? Use the GSIS pension calculator, or read the walkthrough on how a GSIS pension is computed for a side-by-side sense of the two systems. Want to check the contributions feeding this pension? See the SSS contribution calculator. Planning to top up your retirement savings? Try Pag-IBIG MP2 or project a monthly amount with the compound interest calculator.
Last updated: 2026-07-08. Based on the SSS retirement pension formulas (RA 11199). An estimate only — your exact AMSC and CYS come from your SSS records; confirm with the official My.SSS retirement calculator.