GlenCalc

SSS pension calculator

You need at least 120 monthly contributions before the semester of retirement for a monthly pension; with fewer, SSS pays a lump sum. Your average monthly salary credit (AMSC) and credited years are on your SSS record.

Your answer

Monthly pension₱10,300.00
Formula: ₱300 + 20% + 2% a year over 10₱10,300.00
40% of AMSC₱8,000.00
Minimum pension₱2,400.00
  • The pension is the highest of the three amounts. Check your figures with SSS before you retire.

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How we worked it out

Updated as you change the numbers.

  1. ₱300 + 20% × ₱20,000.00 + 2% × ₱20,000.00 × (25 − 10) = ₱10,300.00.
  2. Compare with 40% of AMSC and the minimum (₱1,200 from 10 years, ₱2,400 from 20); the highest applies.

Method and assumptions

SSS retirement benefit: the monthly pension is the highest of 300 + (20% × AMSC) + (2% × AMSC) × (CYS − 10); 40% × AMSC; or the minimum pension of ₱1,200 with at least 10 credited years or ₱2,400 with at least 20, for members with at least 120 monthly contributions.

Questions

How much SSS pension with an AMSC of ₱20,000 and 25 years?

₱10,300 a month: ₱300 + ₱4,000 + ₱6,000.

Sources

Method and figures checked on November 3, 2026. Every worked answer on this page is covered by an automated test. Found a mistake? Tell us.

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