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SSS Pension Calculator 2026

Estimate the SSS retirement formula using verified AMSC and credited years. Check September 2026 pension increases separately; this is not an award.

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Basic retirement formula — before PRP increases

This is a formula illustration, not an eligibility check or an official award. Use your SSS-verified AMSC and credited years, not your current salary or paid months divided by 12.

An average can be below today's minimum MSC and need not be a ₱500 bracket. Maximum regular-program AMSC: ₱20,000.

Enter verified whole credited years. CYS is not the 120-contribution eligibility test. We do not derive it from a payment count.

Existing retirement pension: September 2026 PRP check

This separate tool illustrates the Pension Reform Program as of September 13, 2026. Do not use it for disability or survivor pensions, or to forecast 2027.

Include the ₱1,000 allowance, but exclude dependents and MPF. Do not enter a current deposit already increased in 2025 or 2026. Obtain the original award amount from SSS if unsure.

Use the right pension inputs

Under RA 11199, sections 8 and 12, AMSC compares the last 60 monthly salary credits immediately before the retirement semester divided by 60 with the average of all credits paid before that semester. Use the higher qualifying average, subject to the regular-program ceiling. SSS applies the definition to your posted record; ask it to confirm the credits and average used if your history has gaps.

A semester comprises two consecutive quarters ending in the retirement quarter. CYS follows separate SSS crediting rules, including coverage-history provisions. Ask SSS to establish both inputs if you cannot reconcile your records.

Formula and minimums

The tool selects the highest formula amount and then adds ₱1,000. The statutory floor is ₱1,000, rising to ₱1,200 with at least 10 CYS and ₱2,400 with at least 20 CYS. The mathematical floor does not establish eligibility. An AMSC of ₱20,000 and 25 CYS produces a ₱10,300 base, or ₱11,300 including the allowance, before PRP.

Why pension increases are separate

Circular 2026-002, section II sets different contingency cutoffs. By September 2026, retirement contingencies through August 2025 can have two 10% tranches (21% compounded); September 2025–August 2026 contingencies have one. A new September 2026 retiree does not receive either earlier tranche merely because the claim is filed in 2026.

The compounded illustration follows the cumulative increase described in SSS's original PRP announcement. Use the newer circular for the changed 2026 timing, not the original announcement's September-only schedule.

The 2026 tranche starts June 1 for contingencies through May 31, 2026, and September 1 for June–August 2026 contingencies. Scheduled 2027 increases are not included here. These are entitlement illustrations, not promises that delayed claims or arrears have already reached a bank account. For retirement after 60, RA 11199 section 12-B(e) also requires an earlier-versus-actual retirement comparison with adjustments; only SSS can establish that record-specific result.

Eligibility, filing and separate benefits

SSS retirement guidance requires at least 120 contributions paid before the retirement semester for the ordinary monthly pension. At age 60, separation or cessation of the relevant work is normally required; age 65 has a different work-status rule. Mineworkers and jockeys have special ages. SSS also describes continuation as a voluntary member for those short of 120 and the lump-sum alternative.

Mandatory provident-fund contributions on MSC above ₱20,000 accumulate separately, as explained in Circular 2024-008, section II.C. They do not turn a ₱35,000 current MSC into a ₱35,000 regular-pension AMSC. We do not invent investment returns or a WISP payout.

Read the retirement guide and claim checklist, compare the current contribution schedules, or use the contribution calculator for current payments. Eligibility and contribution estimates remain separate.

Frequently Asked Questions

Does this establish my pension eligibility?
No. The basic estimate assumes you qualify. SSS checks at least 120 contributions paid before the retirement semester, age and work status, and any special rules. Credited years of service are a separate input.
Can I divide contribution months by 12 for CYS?
Do not use that as a universal shortcut. SSS determines credited years of service under the applicable coverage rules. Enter the CYS from your verified SSS record.
Is the pension reform increase automatic in this estimate?
No. The first tool excludes Pension Reform Program increases. The separate September 2026 tool applies only the retirement tranches for the selected contingency period, using a pension amount before all PRP increases.
Does the result include WISP or dependents?
No. Mandatory provident-fund account value, dependent pensions, deductions and individual adjustments are outside these estimates. The basic formula includes the separate ₱1,000 monthly allowance.
Where do I get the inputs for an official estimate?
Ask SSS to confirm the AMSC, credited years and retirement contingency date used for your record. For the PRP tool, obtain the pension before all PRP increases, already including the ₱1,000 allowance. Do not substitute your current bank deposit.