SSS Pension Calculator 2025-2026

Calculate your monthly SSS retirement pension using the official formula. Free 2025 calculator with minimum pension guarantee and planning guide.

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Range: ₱5,000 - ₱35,000 (2025 limits)

Minimum 10 years required for pension

How SSS Pension is Calculated

The Social Security System uses an official formula to calculate monthly retirement pensions based on your Average Monthly Salary Credit (AMSC) and Credited Years of Service (CYS). Understanding this formula helps you plan better for your retirement.

2025 Contribution Rate: The SSS contribution rate is now 15% of your Monthly Salary Credit, with a maximum MSC of ₱35,000. Higher contributions mean higher AMSC and bigger pensions.

Official SSS Pension Formula

Your monthly pension is the higher of these two amounts:

Formula 1: Computed Pension

₱300 + (20% × AMSC) + (2% × AMSC × (CYS - 10)) + ₱1,000

Formula 2: Minimum Pension Guarantee

  • ₱1,200 if you have 10-19 credited years of service
  • ₱2,400 if you have 20 or more credited years of service

Key Terms Explained

Average Monthly Salary Credit (AMSC)

This is calculated by dividing the sum of your last 60 monthly salary credits by 60, or by dividing the sum of all your monthly salary credits by the number of contributions paid, whichever is higher.

Credited Years of Service (CYS)

The total number of years you have paid SSS contributions. This includes years as an employee, self-employed member, or voluntary member.

Retirement Age Options

Optional Retirement (Age 60)

  • Must be separated from employment or no longer self-employed
  • Must have at least 120 monthly contributions
  • Pension amount is based on your contribution history

Mandatory Retirement (Age 65)

  • Can still be employed or unemployed
  • Must have at least 120 monthly contributions
  • Higher pension amount due to additional years of contribution

How to Increase Your Pension

  1. Pay higher voluntary contributions to increase your AMSC
  2. Continue contributing beyond minimum requirement for more years of service
  3. Avoid gaps in contribution payments to maintain consistent AMSC
  4. Enroll in SSS Pension Booster programs for additional retirement savings

What If I Have Less Than 120 Contributions?

If you have less than 120 contributions at retirement, you can:

  • Continue paying as a voluntary member to complete 120 months
  • Receive a lump sum benefit equal to your total contributions plus interest

How to Apply for Retirement Benefits

File your retirement application 60 days before your desired retirement date, but not more than one year prior to your actual retirement.

Payment Methods

SSS pensions are credited to:

  • Your UMID card enrolled as ATM
  • Your preferred bank account through the Disbursement Account Enrollment Module (DAEM)
  • Check payment (for special cases)

Official SSS Resources

Frequently Asked Questions

How is SSS pension calculated?
SSS pension uses the formula: ₱300 + (20% × AMSC) + (2% × AMSC × (CYS - 10)) + ₱1,000, or the minimum pension guarantee (₱1,200 for 10-19 years, ₱2,400 for 20+ years) — whichever is higher. AMSC is your Average Monthly Salary Credit, and CYS is your Credited Years of Service.
How many years of SSS contributions do I need for pension?
You need at least 120 monthly contributions (10 years) to qualify for SSS pension. However, more years of contribution result in higher pension amounts. With 20+ years, you qualify for the higher minimum pension of ₱2,400.
What is the minimum SSS pension for 2025?
The minimum SSS pension depends on your credited years of service: ₱1,200 per month for 10-19 years of contributions, and ₱2,400 per month for 20 or more years. This is in addition to the ₱1,000 additional benefit allowance.
What is the retirement age for SSS pension?
You can retire at age 60 (optional retirement) if you're separated from employment, or age 65 (mandatory retirement) whether employed or not. Both require at least 120 monthly contributions.
Do SSS pensioners receive 13th month pension?
Yes, SSS pensioners receive a 13th month pension every December in addition to their regular monthly pension. Pensioners also receive the ₱1,000 additional benefit allowance monthly.