TAX & GOVERNMENT
SSS Pension Calculator Philippines 2026
Compute your monthly SSS retirement pension under RA 11199. Uses the official 3-formula highest-result method, plus the ₱1,000 additional benefit and dependent allowance — so you see exactly what you’ll receive at age 60.
Enter your details
₱5,000₱20,000₱35,000
Average of your last 60 monthly salary credits (or all credits ÷ 60), whichever is higher. SSS range for 2026 is ₱5,000–₱35,000.
0 yr25 yr50 yr
Total years you have paid SSS contributions. You need at least 10 years (120 monthly contributions) to qualify for monthly pension instead of a lump-sum benefit.
Legitimate, legitimated, adopted, or illegitimate children under 21 (or any age if incapacitated). Each gets 10% of pension or ₱250 — whichever is higher.
Members can retire at 60 if separated from work; mandatory at 65. Both qualify for the same pension formula.
Your monthly pension
Total Monthly Pension
₱0.00
Base + ₱1,000 benefit + dependents
Annual (13 months)
₱0.00
If You Live to 80 (20 yr)
₱0.00
Pension Formula Comparison
Formula A: ₱300 + 20% + 2%/yr>10₱0.00
Formula B: 40% of AMSC₱0.00
Formula C: ₱1,200 or ₱2,400 floor₱0.00
Base pension (highest wins)₱0.00
+ ₱1,000 additional benefit₱1,000.00
+ Dependent allowance₱0.00
Total monthly pension₱0.00
The three pension formulas (RA 11199)
Your SSS monthly pension is the highest result from these three calculations:
- Formula A:
₱300 + (20% × AMSC) + (2% × AMSC × CYS above 10)— rewards both higher salary AND longer membership - Formula B:
40% × AMSC— simple percentage, wins for moderate-CYS members - Formula C:
₱1,200if 10–20 years;₱2,400if 20+ years — minimum floor
SSS automatically pays whichever gives you the most.
Bonuses on top of the formula
- ₱1,000 additional benefit — added to every retiree’s monthly pension under the Pensioners’ Additional Benefit Act (2017).
- 13th month pension — every December, you receive an extra month of pension. Annual total = 13 × monthly pension.
- Dependent allowance — 10% of your pension OR ₱250 per child (whichever is higher), for up to 5 minor children.
- Survivor benefit — when you pass away, your spouse receives 100% of your pension for life (if not remarried).
Qualification requirements
- Age 60 — optional retirement, but you must have stopped working as an employee and not be self-employed
- Age 65 — compulsory retirement, can continue earning income afterwards without losing pension
- 120 monthly contributions (10 years) — minimum for monthly pension; below this you get a lump-sum benefit only
- Final 60 months — your AMSC is computed from these (or all contributions if more favorable)
How to maximize your pension
- Max out your MSC. Contributing at the ₱35,000 ceiling for the last 5 years dramatically increases your AMSC.
- Stay in the system longer. Each year above 10 years adds 2% of AMSC to Formula A. 30 years = +40% extra.
- Self-employed members: declare the highest realistic income to push your contributions up.
- Don’t skip months. Gaps reduce your CYS and may lower the average. Use Pag-IBIG MP2 as a savings supplement, not a replacement.
- Retire at 65 if possible. 5 more years of contributions at max MSC can boost your monthly pension by ₱3,500+.
Disclaimer
Estimates are based on RA 11199 (Social Security Act of 2018), the Pensioners’ Additional Benefit Act, and the 2026 SSS contribution schedule. Actual pension amounts may differ based on your exact contribution history, gaps, AMSC averaging rules, and any legislative changes. Always verify with SSS via My.SSS portal, the SSS hotline (1455), or your nearest SSS branch before making retirement decisions. CalculatorsPH is not affiliated with SSS and is not a substitute for official SSS computation.