SSS Pension Calculator 2026 | Mango & Umbrella

The working, line by line

The receipt follows the law in this order:

AMSC used. Anything above PHP 20,000 is left out, because SSS works out benefits on salary credits up to PHP 20,000 (RA 11199 Sec. 8(g), SSS Circular 2024-010).
Amount 1: PHP 300, plus 20% of AMSC, plus 2% of AMSC for each credited year over 10.
Amount 2: 40% of AMSC.
Amount 3: PHP 1,000.
The highest of the three.
The minimum check: at least PHP 1,200 with 10 credited years, or PHP 2,400 with 20.
Plus PHP 1,000, the additional benefit allowance paid to every retirement pensioner since January 2017.

If you have fewer than 120 monthly contributions, the receipt prints the lump-sum rule instead of a pension.

This is an estimate. Talk it through with us and we'll look at the whole picture.

Talk your estimate through

Formula and assumptions

RA 11199 Sec. 12 sets the monthly pension as the highest of:

PHP 300 + 20% of AMSC + 2% of AMSC x (credited years minus 10)
40% of AMSC
PHP 1,000

The minimum pension is PHP 1,200 with at least 10 credited years and PHP 2,400 with at least 20 (Sec. 12(b)). On top of that comes the PHP 1,000 additional benefit allowance (Sec. 12(c)).

You need at least 120 monthly contributions before the semester of retirement, and you must be 60 and no longer working or self-employed, or 65 (Sec. 12-B). The calculator assumes you meet the age rule.

What the result leaves out:

The 2025 to 2027 increases. Retirement pensions go up 10% a year in 2025, 2026 and 2027, applied to the pension plus the PHP 1,000, for pensioners on the rolls by each cut-off date (SSS Circular 2026-002, which replaced Circular 2025-005). SSS applies these separately, so they are not in the formula result. The SSS pension increase guide has the dates.
The 13th month pension paid each December.
Dependants’ pension for children under 21.
The discount if you take your first 18 monthly pensions as one lump sum.

This is an estimate, not an official figure.

Worked example

AMSC PHP 20,000 and 20 credited years:

Fixed part: PHP 300
20% of PHP 20,000: PHP 4,000
2% of PHP 20,000 x 10 years over 10: PHP 4,000
Amount 1: PHP 8,300
Amount 2: 40% of PHP 20,000: PHP 8,000
Amount 3: PHP 1,000
Basic monthly pension (amount 1 is highest): PHP 8,300
Plus additional benefit: PHP 1,000
Monthly pension before increases: PHP 9,300

How to find your AMSC and credited years

AMSC. RA 11199 Sec. 8(m) gives two ways and SSS uses whichever is higher:

the sum of your last 60 monthly salary credits before the semester of retirement, divided by 60; or
the sum of all your monthly salary credits before that semester, divided by the number of monthly contributions you paid.

Your monthly salary credit for each month is on your contribution record.

Credited years of service. The implementing rules of RA 11199 (Rule 12, Sec. 19) count:

from 1985 to 2001, each calendar year in which you paid at least 6 monthly contributions;
from January 2002, your total monthly contributions divided by 12;
for members covered before 1985, also the calendar years from coverage to 1984.

So 180 contributions, all paid from 2002, count as 15 credited years. The rules do not say how SSS treats a part year, so the calculator takes whole years.

Your contribution record. It is in your My.SSS account. Our guide to checking your posted contributions walks through it.

The official figure

SSS works out your pension when you file your retirement claim, from its own records, and that figure is the one that counts. Use this page to understand the formula and to test what more credited years or a higher salary credit would change.

SSS also has its own My.SSS Retirement Calculator, linked from its pension calculator page. It works differently: you enter your age and salary, and it projects a pension assuming you keep paying with no gaps until 60, including the PHP 1,000 and the 13th month. SSS says its result is “for illustration purposes only, subject to change based on actual SSS records”. Use it to plan ahead, and this page to work from the AMSC and credited years you already have.

Questions people ask

How do I compute my SSS pension?

Take your average monthly salary credit (AMSC), up to PHP 20,000. Work out three amounts: PHP 300 plus 20% of AMSC plus 2% of AMSC for each credited year over 10; 40% of AMSC; and PHP 1,000. Take the highest. If you have 10 or more credited years it can't be below PHP 1,200, or PHP 2,400 with 20 or more. Then add the PHP 1,000 additional benefit. The calculator above does each step and shows the working.

How much is the maximum SSS pension?

SSS does not publish one maximum figure. The formula only counts your AMSC up to PHP 20,000, so at that cap 40% of AMSC, PHP 8,000, is the highest amount until 20 credited years. At 20 credited years the formula gives PHP 8,300, and each year after that adds 2% of PHP 20,000, which is PHP 400 a month. The PHP 1,000 additional benefit comes on top. Pay on salary credit above PHP 20,000 goes to your MPF account instead.

How do I compute the SSS pension for a voluntary member?

The same way as for any member. RA 11199 uses one formula for employed, self-employed, voluntary and OFW members. What differs is your salary credit history: a voluntary member's AMSC comes from the MSCs they chose to pay on. Enter your AMSC and credited years above and pick voluntary as the member type.

What is AMSC in the SSS pension?

AMSC is your average monthly salary credit. SSS works it out two ways and uses the higher: the last 60 monthly salary credits before the semester of retirement divided by 60, or all your monthly salary credits divided by the number of contributions you paid.

How much is the minimum SSS pension in 2026?

RA 11199 sets the minimum monthly pension at PHP 1,200 with at least 10 credited years of service and PHP 2,400 with at least 20, and SSS's retirement page still shows those figures. The PHP 1,000 benefit allowance is paid on top. SSS Circular 2026-002, which sets the 2025 to 2027 increases, does not mention the minimums.

Talk it through

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Sources

RA 11199, Social Security Act of 2018, Secs. 8(g), 8(m), 8(q), 12 and 12-B (checked 20 October 2026)
Implementing rules of RA 11199, Rules 12, 18, 19 and 21 (checked 20 October 2026)
SSS retirement benefit page (checked 20 October 2026)
SSS pension calculator page and the My.SSS Retirement Calculator (checked 20 October 2026)
SSS Circular 2024-010, benefits computed on MSC up to PHP 20,000 (PDF) (checked 20 October 2026)
SSS Circular 2026-002, SSS Pension Reform Program, 20 April 2026 (PDF) (checked 20 October 2026)