✓ RA 11199 formulas · updated 2026-10-17

SSS Pension Calculator 2026

Q: What is the formula of the SSS pension?

Basic Monthly Pension = the highest of: ₱300 + 20% × AMSC + 2% × AMSC × (CYS − 10); 40% × AMSC; or the minimum pension (₱1,200 / ₱2,400). CYS is your credited years of service and AMSC your average monthly salary credit.

Q: How many contributions do I need to get an SSS pension?

At least 120 monthly contributions before the semester of retirement, plus age 60 and separation from work (optional retirement) or age 65 (technical retirement). With fewer than 120 you receive a one-time lump sum of your contributions plus interest, or you can keep paying as a voluntary member until you reach 120.

Quick answer: your SSS monthly pension is the highest of three formulas: ₱300 + 20% of AMSC + 2% of AMSC for each credited year over 10; or 40% of AMSC; or a minimum of ₱1,200 (10-19 years) or ₱2,400 (20+ years). You need 120 monthly contributions, and SSS adds a ₱1,000 benefit plus a 13th-month pension every December.

Enter your numbers below. Not sure what you pay now? Use the SSS contribution calculator.

Your details

Salary basis

From salary I know my AMSC

Average monthly salary (₱) Credited years of service (CYS) Qualified dependent children (optional) Each adds a dependent's pension (maximum 5). When do you retire? (Pension Reform estimate) SSS raises existing pensions by 10% a year in 2025, 2026 and 2027.

Your Estimated Pension

👴

Enter your salary credit and years of service

Not sure what you contribute each month?

Use the SSS Contribution Calculator

How to compute your SSS pension: the three formulas

Under the Social Security Act of 2018 (RA 11199, amending RA 8282 Sec. 12), your Basic Monthly Pension (BMP) is the highest of three results. Two variables drive them:

AMSC, your Average Monthly Salary Credit. SSS takes the greater of (a) the average of your last 60 monthly salary credits before the semester of retirement, or (b) the average of all your salary credits. For the basic pension only the part up to ₱20,000 counts.
CYS, your Credited Years of Service: the calendar years in which you paid at least six monthly contributions.

Formula 1: ₱300 + 20% × AMSC + 2% × AMSC × (CYS − 10)
Formula 2: 40% × AMSC
Formula 3 (minimum pension): ₱1,200 if you have at least 10 CYS, ₱2,400 if you have 20 or more.

To the BMP SSS adds the ₱1,000 additional benefit (all retirement pensioners since January 2017), a dependent's pension for qualified children (10% of the pension or ₱250, whichever is higher, for up to 5 children) and a 13th-month pension every December.

SSS pension formula examples: 10, 20 and 30 years

Step by step, AMSC ₱20,000 and 30 credited years:

Formula 1: ₱300 + (20% × ₱20,000) + (2% × ₱20,000 × 20) = ₱300 + ₱4,000 + ₱8,000 = ₱12,300
Formula 2: 40% × ₱20,000 = ₱8,000
Formula 3: ₱2,400

The highest is Formula 1, so the basic monthly pension is ₱12,300, or ₱13,300 with the ₱1,000 additional benefit.

AMSC	Years (CYS)	Formula 1	Formula 2 (40%)	Minimum	Basic pension	With ₱1,000
₱10,000	10	₱2,300	₱4,000	₱1,200	₱4,000	₱5,000
₱10,000	20	₱4,300	₱4,000	₱2,400	₱4,300	₱5,300
₱10,000	30	₱6,300	₱4,000	₱2,400	₱6,300	₱7,300
₱20,000	10	₱4,300	₱8,000	₱1,200	₱8,000	₱9,000
₱20,000	20	₱8,300	₱8,000	₱2,400	₱8,300	₱9,300
₱20,000	30	₱12,300	₱8,000	₱2,400	₱12,300	₱13,300

The winning formula is shown in blue. With only 10 credited years, Formula 2 (40% of AMSC) usually beats Formula 1 because the 2% per extra year has not started to add up yet.

SSS pension table 2026: monthly pension by AMSC and years of service

Basic monthly pension in pesos, before the ₱1,000 additional benefit, dependents' pension and any Pension Reform increase. Rows are AMSC, columns are credited years of service.

AMSC \ Years	10	15	20	25	30	35	40
₱5,000	₱2,000	₱2,000	₱2,400	₱2,800	₱3,300	₱3,800	₱4,300
₱7,500	₱3,000	₱3,000	₱3,300	₱4,050	₱4,800	₱5,550	₱6,300
₱10,000	₱4,000	₱4,000	₱4,300	₱5,300	₱6,300	₱7,300	₱8,300
₱12,500	₱5,000	₱5,000	₱5,300	₱6,550	₱7,800	₱9,050	₱10,300
₱15,000	₱6,000	₱6,000	₱6,300	₱7,800	₱9,300	₱10,800	₱12,300
₱17,500	₱7,000	₱7,000	₱7,300	₱9,050	₱10,800	₱12,550	₱14,300
₱20,000	₱8,000	₱8,000	₱8,300	₱10,300	₱12,300	₱14,300	₱16,300

Computed with the formulas above. AMSC is capped at ₱20,000 for the basic pension. For the contribution you pay at each credit see the SSS contribution table 2026.

Maximum and minimum SSS pension

Minimum: ₱1,200 a month for members with 10 to 19 credited years, ₱2,400 for 20 or more, plus the ₱1,000 additional benefit.
Maximum: because the AMSC for the basic pension is capped at ₱20,000, 30 credited years give ₱12,300 and 40 years give ₱16,300 (₱17,300 with the additional benefit). Contributions on an MSC above ₱20,000 fund your Mandatory Provident Fund, which pays a separate lump sum or monthly amount from your own account.

SSS pension increase 2025 to 2027 (Pension Reform Program)

SSS raises existing pensions in three yearly steps under Circular 2026-002 (Commission Resolution 340-s.2025): 10% for retirement and disability pensioners and 5% for death and survivor pensioners each year. The increase applies to the whole monthly pension, meaning the regular pension plus the ₱1,000 allowance, and the dependents' pension is adjusted too. SSS moved the 2026 step forward to 1 June 2026 for pensioners as of 31 May 2026; those whose retirement falls between 1 June and 31 August 2026 get it from 1 September 2026.

Step	Cut-off date	Effective	Monthly pension (illustration)
Base			₱10,000
2025 (+10%)	31/08/2025	01/09/2025	₱11,000
2026 (+10%)	31/05/2026	01/06/2026	₱12,100
2027 (+10%)	31/08/2027	01/09/2027	₱13,310

The three steps add up to roughly 33% for retirement pensioners, as SSS notes. The increase is funded from SSS reserves with no contribution increase. The calculator's "When do you retire?" menu shows an estimate. How a retiree who joins the pension rolls after a cut-off date is treated is inferred from the circular, so treat that line as indicative.

Monthly pension vs lump sum vs 18-month advance

Monthly pension: a lifetime benefit for members with at least 120 monthly contributions.
Lump sum: members with fewer than 120 contributions receive the total contributions paid by them and on their behalf, plus interest. As a rough floor, ₱144,000 is the order of magnitude for 8 years at a ₱10,000 MSC, before interest. You may instead keep paying as a voluntary member to reach 120.
18-month advance: a qualified retiree may take the first 18 monthly pensions upfront. At a ₱13,300 pension that is at most ₱239,400 before SSS's discount, and the monthly payments resume after those 18 months. The option must be chosen when you file the claim.

Who qualifies for the SSS retirement pension?

At least 120 monthly contributions paid before the semester of retirement.
Age 60 and separated from work or no longer self-employed (optional retirement), or age 65 whether still working or not (technical retirement).
Claims are filed online through My.SSS. Our SSS pension guide covers the steps and documents.

How to increase your SSS pension

Two levers: contribute longer (every year beyond 10 adds 2% of your AMSC) and contribute on a higher salary credit up to ₱20,000. If you freelance or work abroad, pay at the highest MSC you can afford. The SSS contribution calculator has a "choose your MSC for a target pension" tool.

Frequently Asked Questions

How is the SSS pension computed?

SSS computes three amounts and pays the highest: (1) ₱300 + 20% of your Average Monthly Salary Credit (AMSC) + 2% of AMSC for every credited year beyond 10; (2) 40% of AMSC; or (3) the guaranteed minimum of ₱1,200 (at least 10 credited years) or ₱2,400 (20 or more). A further ₱1,000 is added on top of the monthly pension.

What is the formula of the SSS pension?

Basic Monthly Pension = the highest of: ₱300 + 20% × AMSC + 2% × AMSC × (CYS − 10); 40% × AMSC; or the minimum pension (₱1,200 / ₱2,400). CYS is your credited years of service and AMSC your average monthly salary credit.

How much SSS pension will I get after 10, 20 or 30 years?

At an AMSC of ₱20,000, the basic monthly pension is ₱8,000 after 10 years, ₱8,300 after 20 years and ₱12,300 after 30 years. At an AMSC of ₱10,000 it is ₱4,000, ₱4,300 and ₱6,300. Add the ₱1,000 additional benefit to each figure.

How much is the maximum SSS pension?

The AMSC for the basic pension is capped at ₱20,000. At that level, 30 credited years give ₱12,300 and 40 years give ₱16,300, or ₱17,300 with the ₱1,000 additional benefit. Your MPF (WISP) savings are paid separately. Pension increases under the Pension Reform Program apply on top for current pensioners.

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

At least 120 monthly contributions before the semester of retirement, plus age 60 and separation from work (optional retirement) or age 65 (technical retirement). With fewer than 120 you receive a one-time lump sum of your contributions plus interest, or you can keep paying as a voluntary member until you reach 120.

What is the 18-month advance pension?

A retiree who qualifies for a monthly pension can ask, when filing the claim, to receive the first 18 monthly pensions in advance as a lump sum. SSS discounts it at a preferential interest rate, and the monthly pension starts again after those 18 months. The dependents' pension and the 13th-month pension are not part of the advance. See the SSS pension guide.

Is there a 13th-month pension?

Yes. SSS retirement pensioners receive a 13th-month pension every December, equal to one month's pension, on top of the 12 regular payments.

Is there an SSS pension increase in 2026?

Yes. Under the SSS Pension Reform Program (Circular 2026-002), retirement and disability pensioners get a 10% increase in 2025, 2026 and 2027 (death and survivor pensioners 5%). For pensioners as of 31/05/2026, the 2026 increase started on 1 June 2026. The increase applies to the monthly pension, which means the regular pension plus the ₱1,000 allowance, and it does not change contributions.

Can voluntary, self-employed and OFW members get an SSS pension?

Yes. They earn the same pension as employed members under the same three formulas, as long as they reach 120 monthly contributions. Contributions on an MSC above ₱20,000 go to the MPF instead of raising the pension AMSC. Check the amounts on the voluntary table or the OFW table.

How do I increase my SSS pension?

Two levers: contribute for more years (each year beyond 10 adds 2% of your AMSC) and contribute on a higher MSC, up to ₱20,000 for pension purposes. Check what each MSC costs in the SSS contribution calculator.

Related SSS calculators and tables

SSS Contribution Table 2026 Every salary bracket for employed members SSS Contribution Calculator Employed, voluntary, self-employed, OFW and kasambahay SSS Voluntary & Self-Employed Table Voluntary, self-employed and non-working spouse SSS OFW Contribution Table Land-based OFW schedule, ₱8,000 minimum MSC SSS Maternity Benefit Calculator Your maternity cash benefit SSS Salary Loan Calculator Loanable amount, amortization and net proceeds