SSS Pension Table Philippines
Your SSS monthly pension depends on your Average Monthly Salary Credit (AMSC) and total Credited Years of Service (CYS). The pension is the highest of three formulas. For example, with a PHP 20,000 AMSC and 25 years of contributions, your estimated pension is about PHP 10,300 per month.
Updated March 14, 2026
Estimated Monthly Pension by Salary Credit & Years
This table shows estimated monthly pension amounts based on your Average Monthly Salary Credit (AMSC) and total Credited Years of Service (CYS). The highest of the three SSS pension formulas is used.
| MSC | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| ₱4,000.00 | ₱2,000.00 | ₱2,000.00 | ₱2,400.00 | ₱3,000.00 | ₱3,600.00 |
| ₱6,000.00 | ₱2,400.00 | ₱2,700.00 | ₱3,600.00 | ₱4,500.00 | ₱5,400.00 |
| ₱8,000.00 | ₱2,400.00 | ₱3,200.00 | ₱4,400.00 | ₱5,600.00 | ₱6,800.00 |
| ₱10,000.00 | ₱2,300.00 | ₱3,300.00 | ₱5,300.00 | ₱7,300.00 | ₱9,300.00 |
| ₱15,000.00 | ₱3,300.00 | ₱4,800.00 | ₱7,800.00 | ₱10,800.00 | ₱13,800.00 |
| ₱20,000.00 | ₱4,300.00 | ₱6,300.00 | ₱10,300.00 | ₱14,300.00 | ₱18,300.00 |
| ₱25,000.00 | ₱5,300.00 | ₱7,800.00 | ₱12,800.00 | ₱17,800.00 | ₱22,800.00 |
| ₱30,000.00 | ₱6,300.00 | ₱9,300.00 | ₱15,300.00 | ₱21,300.00 | ₱27,300.00 |
Estimates based on the SSS pension formula. Actual pension may vary based on contribution history and average monthly salary credit.
The Three SSS Pension Formulas
SSS computes your pension using all three formulas and gives you the highest amount.
Formula 1
PHP 300 + (20% x AMSC) + (2% x AMSC x CYS over 10)
This formula rewards long tenure. The 2% bonus applies for every credited year of service beyond the first 10 years. For members with 25+ years of contributions, this formula usually yields the highest pension.
Formula 2
40% x AMSC
A simpler calculation that gives you 40% of your average monthly salary credit. This formula tends to produce the highest amount for members with shorter contribution periods but higher salary credits.
Formula 3 (Minimum Pension)
PHP 2,000 (if CYS >= 10 years) or PHP 1,200 (if CYS < 10 years)
The guaranteed minimum pension. If Formulas 1 and 2 produce an amount below this floor, the minimum pension applies. Members with at least 10 credited years of service receive PHP 2,000.
Who It Applies To
The SSS retirement pension applies to all SSS members who have reached retirement age (60 for optional, 65 for mandatory) and have made at least 120 monthly contributions (10 years).
This includes:
- Employed members — private sector employees whose employers remit SSS contributions
- Self-employed members — freelancers, business owners, and professionals who pay their own contributions
- Voluntary members — separated employees, overseas Filipino workers (OFWs), and non-working spouses who continue contributing
Members who do not meet the minimum 120 contributions will receive a lump-sum benefit instead of a monthly pension.
Eligibility Requirements
- At least 120 monthly contributions (10 credited years of service)
- At least 60 years old for optional retirement (must have separated from employment)
- At least 65 years old for mandatory/technical retirement
- Must not be receiving any other SSS benefit at the time of retirement
Worked Example
Average MSC of ₱20,000 with 25 years of contributions
- Formula 1
- ₱10,300/mo
- Formula 2
- ₱8,000/mo
- Formula 3 (minimum)
- ₱4,000/mo
Highest of three formulas. Plus a 13th month pension every December.
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This page is not affiliated with any Philippine government agency. Information is based on publicly available official sources and may change. Always verify details with the relevant government office.