Philippine SSS Monthly Pension Calculator BETA

Estimate your monthly SSS retirement pension based on your contribution history. This calculator uses the standard SSS benefit formula with all three pension computation methods, your Average Monthly Salary Credit (AMSC), and Credited Years of Service (CYS) to determine your estimated monthly pension.

Paste Contribution Table

Copy directly from SSS website's My.SSS > Member Information > My Contributions. Make sure to select "100 entries per page" and do not include the header row. Expected format: Year followed by 12 monthly contribution amounts, tab-separated. Header rows are ignored automatically.

Birth Month
Birth Year
Projected MSC (₱)
Enter your birth month and year to calculate remaining contribution months.
Mandatory Provident Fund (MPF)

Since January 2021, Monthly Salary Credits above ₱20,000 go to your MPF — a separate defined-contribution account that does not affect your monthly pension formula.

Current MPF Balance (₱)
Check My.SSS portal → Member Info → MPF Account
Est. Annual Return Rate (%)
Default 0%. SSS charges ~1% management fee.

Frequently Asked Questions

How is SSS monthly pension computed in the Philippines?

SSS retirement pension is computed using three formulas based on your Average Monthly Salary Credit (AMSC) and Credited Years of Service (CYS). SSS evaluates all three and awards you whichever produces the highest monthly pension.

To qualify, you must have at least 120 monthly contributions (10 CYS) and must have reached retirement age — 60 for optional retirement or 65 for mandatory retirement.

What are the three SSS monthly pension formulas?
  • Formula 1: ₱300 + (20% × AMSC) + [2% × AMSC × (CYS − 10)] + ₱1,000
  • Formula 2: AMSC × 40% + ₱1,000
  • Formula 3: Minimum pension of ₱1,200 if with at least 10 CYS, or ₱2,400 if with at least 20 CYS, plus ₱1,000

Formula 1 generally produces the highest result for members with long contribution histories and higher salary credits. The ₱1,000 added to each formula is the additional benefit.

How many years of SSS contribution do I need to qualify for monthly pension?

You need at least 120 monthly contributions (10 years of credited service) to qualify for SSS retirement pension. You must also reach 60 years old (for optional retirement) or 65 years old (for mandatory retirement) and have separated from employment or ceased self-employment.

What is AMSC in SSS monthly pension computation?

AMSC stands for Average Monthly Salary Credit. It is computed by dividing your total Monthly Salary Credits (MSC) across all contributing months by the number of months you contributed. Your MSC is not your actual salary — it is the salary bracket amount assigned by SSS based on your reported compensation. For example, if your actual salary is ₱38,000, your MSC may be ₱35,000 depending on the SSS contribution table. A higher AMSC directly increases your pension under all three formulas.

What is CYS (Credited Years of Service) in SSS?

CYS stands for Credited Years of Service. It is the total number of months you made SSS contributions divided by 12. For example, 234 monthly contributions equals 19.5 CYS. CYS is a critical factor in the pension computation — particularly in Formula 1, where each CYS beyond 10 years adds an extra 2% of your AMSC to your monthly pension. Maximizing your CYS by contributing consistently until retirement significantly increases your pension amount.

What is the difference between monthly pension and lump sum?

Monthly Pension is a lifelong recurring benefit paid to you every month after retirement. You qualify for monthly pension if you have at least 120 monthly SSS contributions (10 Credited Years of Service).

Lump Sum is a one-time payment given to members who have less than 120 contributions. Members with a lump sum can choose to continue contributing as a voluntary member to eventually reach 120 months and qualify for monthly pension instead.

These benefits are mutually exclusive: You receive either a lump sum or a monthly pension, not both. This calculator is designed for the monthly pension path and requires a minimum of 120 contributions (10 CYS) to be relevant.

What is the Mandatory Provident Fund (MPF)?

The Mandatory Provident Fund (MPF) is a separate defined-contribution savings account introduced under RA 11199 (Social Security Act of 2018). Starting January 2021, contributions based on Monthly Salary Credits (MSC) above ₱20,000 are allocated to MPF instead of the Regular SS program.

Unlike the regular SSS pension (which uses a formula based on AMSC and CYS), MPF is a savings-type fund — your benefit depends on how much was contributed and any investment returns earned, minus management fees.

At retirement, your Total Accumulated Asset Value (TAAV) can be received as monthly payouts over 5, 10, or 15 years, or as a 50% lump sum with the remainder paid monthly. If TAAV is below ₱100,000, it is paid as a one-time lump sum.

Why is AMSC capped at ₱20,000?

Per SSS Circular No. 2023-008, the MSC used in calculating your monthly pension (AMSC) is capped at ₱20,000 — even if your actual MSC is higher. This is because the regular SS contribution rate only applies up to ₱20,000 MSC; any amount above that goes to the Mandatory Provident Fund (MPF).

This means two members with AMSC of ₱20,000 and ₱35,000 respectively will receive the same monthly pension. The member with higher MSC will instead have a larger MPF balance paid separately at retirement.

How does this calculator determine MSC from my contribution amounts?

SSS does not show your MSC directly in your contribution history — it only shows the contribution amount you paid each month. This calculator reverse-engineers your MSC by dividing your contribution by the applicable Regular SS rate for that year, then rounding to the nearest ₱500 MSC bracket.

The Regular SS rate (employer + employee combined, excluding EC) has changed over the years per RA 11199 (Social Security Act of 2018):

  • Before 1979: Not supported (rates not reliably documented)
  • 1979 – February 2003: 8.4% (confirmed by PIDS paper & SSS Annex B)
  • March 2003 – 2006: 9.4% (SSC Res. No. 20)
  • 2007–2013: 10.4% (SSC Res. No. 382)
  • 2014 – March 2019: 11% (SSC Res. No. 711)
  • April 2019 – 2020: 12% (RA 11199)
  • 2021–2022: 13%
  • 2023–2024: 14%
  • 2025 onwards: 15%

Contributions from before 1979 cannot be converted to MSC because historical rates varied and are not reliably documented — those months will show as “⚠” in the breakdown. Your total contribution also includes a small flat EC (Employees' Compensation) fee of ₱10–₱30, but this does not affect the MSC result because the rounding absorbs the difference.

Note: The rate history above reflects the best information I was able to find through publicly available sources. I am not an SSS expert, and older rates in particular may be incomplete or imprecise. If you spot an error, feel free to reach out at contact@jobcomparer.ph.

⚠️ Disclaimer: This calculator is for estimation purposes only and is not affiliated with, endorsed by, or officially connected to the Philippine Social Security System (SSS). MSC values are reverse-calculated from contribution amounts using SSS rate schedules. Actual pension amounts are determined solely by SSS based on your official records. The formulas used here are based on publicly available SSS guidelines and may not reflect recent policy changes or individual circumstances. Always verify your pension estimate with SSS directly through www.sss.gov.ph or your nearest SSS branch.
🔒 Privacy: Your data never leaves your browser. All calculations are performed locally — nothing is stored, transmitted, or tracked. This tool is not professional financial advice. Always consult a qualified professional for decisions about your retirement benefits.