SSS Pension Calculator Philippines

How the SSS pension is computed

The SSS computes your pension three ways and pays whichever gives the highest amount. The first formula rewards both your salary credit and your years of service, the second is a flat 40% of your average salary credit, and the third is a guaranteed minimum based on your years of service.

A ₱1,000 across-the-board increase is then added on top of whichever formula wins. Retirees also receive a 13th-month pension every December equal to one monthly pension.

What shapes your pension

Three things drive the final amount under the Social Security Act of 2018 (RA 11199).

Example: 25 years at a ₱20,000 salary credit

Here is how the three formulas compare for a member retiring with 25 credited years and a ₱20,000 average salary credit.

Formula 1 gives the highest amount here, so it governs. The ₱1,000 increase is added to reach the final monthly pension.

What is the Monthly Salary Credit (MSC)?

The Monthly Salary Credit is the salary bracket SSS assigns to your contributions — not your exact salary. Since the 2025 increase it runs from ₱5,000 to ₱35,000 in ₱500 steps. Your contributions and your future pension are both based on the MSC, so the average of your salary credits (your AMSC) is what drives every pension formula.

Because the pension is based on contributions through your AMSC rather than your final salary, contributing at a higher salary credit — and for more years — builds a bigger pension. See how the MSC maps to contributions in the SSS contribution guide.

Voluntary members and your pension after 10 years

Voluntary members, self-employed members, and OFWs earn the SSS pension the same way employees do — the same three formulas apply, based on your average salary credit and credited years of service. You need at least 120 monthly contributions (10 credited years) to receive a lifetime monthly pension instead of a one-time lump sum.

At exactly 10 years the flat 40%-of-AMSC formula usually governs: a ₱20,000 AMSC gives about ₱8,000, plus the ₱1,000 across-the-board increase for roughly ₱9,000 per month. A lower salary credit may instead be lifted to the ₱1,200 statutory minimum. Each year of service beyond 10 then adds 2% of your AMSC under the first formula. Walk through the full computation in our guide to computing your SSS pension.

Already retired? The 2025–2027 SSS Pension Reform Program adds a separate 10% increase each September (2025, 2026, and 2027) to existing retirement pensions — about 33% cumulatively. It applies on top of the pension you already receive and does not change the formula used to compute a new retiree's pension.

Good to know

• The SSS always pays the highest of the three formulas, so you never need to pick one yourself.
• Each extra year of service beyond 10 adds 2% of your salary credit under the first formula.
• Delaying retirement and continuing to contribute can raise both your years of service and your average salary credit.
• The minimum monthly pension is ₱1,200 for 10 to under 20 years of service and ₱2,400 for 20 years or more, before the ₱1,000 increase.
• Dependent children may qualify for an additional dependent’s pension, which this estimate does not include.