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SSS pension estimator

Estimate your monthly SSS pension from your years of contributions and average MSC, and see what paying more now adds for life.

Estimated monthly pension at 60

₱12,300

With 30 credited years and a ₱20,000 average MSC (formula A). Plus a 13th-month pension every December. About ₱159,900 a year.

₱12,30013th-month pension (December)
₱159,900per year incl. 13th month
₱3,198,000over 20 years of retirement
₱221,400optional 18-month advance lump sum at claim

What a higher MSC is worth at 30 credited years

MSC ₱10,000
₱6,300/mo
MSC ₱15,000
₱9,300/mo
MSC ₱20,000
₱12,300/mo
MSC ₱25,000
₱15,300/mo
MSC ₱30,000
₱18,300/mo
MSC ₱35,000
₱21,300/mo

Going from ₱20,000 to ₱35,000 MSC costs ₱2,250 more a month now and adds ₱9,000 a month for life. The Pension Booster on the excess pays out separately on top.

The OFW timing trick

AMSC is based on your last 60 months of contributions (or your lifetime average, if higher). Paying the maximum during your final five working years abroad lifts the pension for the rest of your life, even if earlier years were at the minimum.

Not in this number

Your MySSS Pension Booster balance (contributions above ₱20,000 MSC plus dividends), any future across-the-board pension increases, and PhilHealth coverage that comes free to SSS pensioners. Use the SSS contribution calculator to see what each MSC costs now.

Estimate based on the RA 11199 formula: the highest of ₱300 + 20% of AMSC + 2% of AMSC per credited year beyond 10; 40% of AMSC; or the minimum (₱1,200 for 10–19 years, ₱2,400 for 20+). Your actual pension is computed by SSS from your posted contributions.

How SSS computes a retirement pension

Two numbers drive it: your credited years of service (CYS, roughly total monthly contributions divided by 12) and your average monthly salary credit (AMSC, based on your last 60 MSCs or your lifetime average, whichever is higher). SSS runs three formulas and pays the highest: ₱300 plus 20% of AMSC plus 2% of AMSC for every credited year beyond ten; 40% of AMSC; or a floor of ₱1,200 (10–19 years) or ₱2,400 (20 years or more). Add a 13th-month pension each December and, if you have children under 21, a dependent's pension for up to five of them.

Why the last five years matter most for OFWs

Because AMSC looks at your final 60 contributions, the MSC you pay while earning abroad sets your pension far more than what you paid as a young employee in Manila. An OFW who pays the ₱35,000 maximum for five years before coming home locks in an AMSC of ₱35,000 for life. That is the single highest-return decision most OFWs can make with SSS.

Qualifying at all

You need 120 monthly contributions to receive a pension; with fewer, SSS refunds your contributions with interest as a lump sum, which is almost always worth far less. Members who are short at 60 may keep paying until they reach 120, and OFWs can pay a year in advance to avoid gaps.

Questions

Can I get the pension while still working abroad?
At 60 you must be separated from employment or have stopped paying as a self-employed or OFW member to claim; at 65 you can claim regardless. Many OFWs claim at 65 after coming home.
What is the 18-month lump sum option?
At claim time you may take the first 18 months of pension as one payment (without the 13th month), then receive monthly pensions from the 19th month. It is useful for a house or business at the start of retirement, but there is no interest on the advance.
Does the pension increase after I retire?
Only when Congress or SSS grants an across-the-board increase, which has happened several times but is not scheduled. Plan on the computed amount.

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