How is the SSS pension computed?

Your basic SSS pension is the highest of three formulas: (1) ₱300 + 20% of your AMSC + 2% of AMSC for each year of service beyond 10; (2) 40% of your AMSC; or (3) the minimum pension (₱1,200 for 10+ years, ₱2,400 for 20+ years). A flat ₱1,000 additional benefit is then added.

How many years do I need to get an SSS pension?

You need at least 120 monthly contributions (about 10 years) to receive a monthly pension. With fewer than 120, you receive a one-time lump-sum benefit instead.

SSS Pension Calculator

Estimate your monthly SSS retirement pension from your average salary credit and years of service.

Estimate your SSS pension

Estimated monthly 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.

Who qualifies

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).

Government employee instead? Use the GSIS pension calculator. Planning to top up your retirement savings? Try Pag-IBIG MP2.

Last updated: 2026-06-28. 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.