SSS Retirement Tool
SSS Pension Calculator 2026
Estimate your Regular SSS retirement pension, check the 120-contribution rule, and project your Mandatory and Voluntary MySSS Pension Booster savings.
Use your SSS records when possible. Exact AMSC, CYS, contribution history, accumulated Pension Booster value and final retirement benefit are determined by SSS.
1. Retirement eligibility
Start with your expected retirement age and contribution count.
Special retirement ages apply to qualified underground/surface mineworkers and racehorse jockeys. See the retirement-age section below.
2. Regular SSS pension estimate
Enter your estimated AMSC and Credited Years of Service at retirement.
3. MySSS Pension Booster / MPF
Optional projection for members who want to include the provident-fund part of retirement.
Projection assumptions
- Current SSS contribution rate: 15%
- Current maximum MSC: ₱35,000
- Regular SS benefit MSC ceiling: ₱20,000
- Illustrative ROI: 6% per year
- Illustrative management fee: 1% per year
- No contribution gaps and no salary/contribution-schedule change
SSS announced that the 1% management fee on Pension Booster account balances is waived from 2025 through 2028. This long-term projection still uses the 1% fee assumption shown by the official SSS Pension Calculator because the waiver is not guaranteed beyond 2028.
Your result
Estimated SSS retirement benefit
Regular SSS monthly pension
This is the statutory monthly amount before any applicable Pension Reform Program tranche.
Pension Reform Program adjustment
Qualified dependent-child pension
Subject to SSS dependent-child qualification rules, maximum five children.
Qualified retirement pensioners are also entitled to a 13th month pension every December.
Mandatory MySSS Pension Booster / MPF projection
Projected TAAV is below ₱100,000 or the Regular SSS benefit is not a monthly pension.
Fixed MPF amount based on the remaining TAAV divided by the selected 60, 120 or 180 months.
Voluntary MySSS Pension Booster projection
Voluntary Pension Booster is separate from Mandatory MPF. Actual payout and investment value are based on the member's official accumulated account value and SSS rules.
Projection only: The Pension Booster estimate assumes 6% annual ROI, 1% annual management fee, fixed current contribution level, no gaps, and no future contribution-schedule changes. Actual SSS investment income may differ.
What to do next
SSS retirement pension at a glance
120 contributions
At least 120 monthly contributions before the applicable retirement period are generally required for lifetime monthly pension.
Age 60
Standard optional retirement from age 60 through 64 generally requires that the member has separated from employment or ceased self-employment/OFW/household-helper work.
Age 65
Standard technical retirement may be claimed whether the member is still working or not.
Below 120 contributions
Generally lump sum, with the option to continue paying voluntarily to complete 120 months.
Who qualifies for SSS monthly retirement pension?
For a standard member, the main requirements are at least 120 monthly contributions before retirement and the applicable retirement age.
Special retirement ages
Qualified underground/surface mineworkers have lower optional/technical retirement ages under their special laws. Qualified racehorse jockeys also have a special technical retirement age. Use the official SSS retirement page for those special categories rather than applying the standard age-60/65 calculator blindly.
How the Regular SSS retirement pension is computed
If qualified for monthly pension, SSS uses the highest applicable result from the following:
- ₱300 + (20% × AMSC) + [2% × AMSC × (CYS − 10)]
- 40% × AMSC
- Minimum pension: ₱1,200 with at least 10 CYS, or ₱2,400 with at least 20 CYS.
The current ₱1,000 additional benefit allowance is then shown separately by this calculator because SSS describes it as an amount on top of the monthly pension.
What are AMSC and CYS?
AMSC — Average Monthly Salary Credit
AMSC comes from the member's SSS contribution record, not simply the last salary received. SSS benefit records commonly use the applicable average of posted Monthly Salary Credits before the retirement period. For current Regular SSS benefit computation, MSC above ₱20,000 belongs to the Mandatory Pension Booster / MPF instead of increasing the Regular SSS benefit MSC.
CYS — Credited Years of Service
CYS has a statutory definition. For periods from January 2002 onward, the applicable contribution months are generally converted into CYS by dividing by 12; earlier periods have separate rules. This is why “years since registration” is not always the same as CYS.
What if you have fewer than 120 SSS contributions?
A member who reaches retirement age with fewer than 120 monthly contributions generally receives a lump-sum retirement benefit equal to total contributions paid, including interest earned.
SSS also gives the member the option to continue paying contributions as a Voluntary Member to complete the required 120 months and qualify for monthly pension.
Mandatory and Voluntary MySSS Pension Booster
The current MySSS Pension Booster has two different savings components that should not be mixed up.
Mandatory Pension Booster / MPF
Formerly WISP. Contributions corresponding to MSC above ₱20,000 up to the current maximum MSC of ₱35,000 are credited to the member's individual Mandatory MPF account.
Voluntary Pension Booster
Formerly WISP Plus. This is an optional savings program on top of mandatory SSS contributions for qualified members who want to build additional retirement savings.
Pension Booster benefits are based on the member's Total Accumulated Account Value (TAAV), consisting of contributions plus net investment income at claim approval.
How Mandatory MPF is paid at retirement
Mandatory MPF is not always a lump sum.
2026 SSS Pension Reform Program increase
The SSS Pension Reform Program provides three annual increases for qualified retirement and disability pensioners: 10% in 2025, another 10% in 2026, and another 10% in 2027, subject to each year's contingency-date cut-off. The increases compound; a pensioner qualified for all three tranches reaches approximately 33.1% cumulative growth after 2027.
The increase applies to the monthly pension consisting of the regular pension plus the ₱1,000 benefit allowance. Dependent pension is adjusted accordingly.
2026 Pension Increase Checker
A further 10% retirement/disability pension increase is scheduled for the 2027 tranche, subject to the 2027 official eligibility cut-off and implementation rules.
Other benefits of a retirement pensioner
₱1,000 additional benefit
Retirement pensioners receive the current ₱1,000 additional benefit on top of the base monthly pension.
13th month pension
Qualified retirement pensioners receive a 13th month pension every December.
Dependent pension
Each qualified dependent child may receive 10% of the member's monthly pension or ₱250, whichever is higher, up to five children beginning with the youngest and without substitution.
Can you receive the first 18 months of pension in advance?
Yes. Upon filing the initial retirement claim, a member may choose to receive the first 18 monthly pensions in advance as a lump sum. SSS discounts the advance at a preferential interest rate determined by SSS, so this calculator does not invent the discounted amount.
How to file an SSS retirement claim
Qualified employee-members, Self-Employed members, Voluntary Members and land-based OFWs generally file their retirement claim online through My.SSS.
Before filing online
- Have a registered My.SSS account.
- Have a UMID card enrolled as ATM or an approved disbursement account in DAEM.
Cases that still require branch / foreign-office filing
- Specified outstanding SILP/Privatization/Educational/Vocational Technology loan cases.
- Dependent child under guardianship.
- Member is incapacitated, under guardianship, or confined in a specified institution.
- Portability Law or Bilateral Social Security Agreement cases.
- Adjustment or re-adjudication of a claim.
- Unclaimed benefit of a deceased member.
How retirement pension is paid
SSS credits retirement benefit to the member's UMID card enrolled as ATM or, when applicable, the preferred disbursement account enrolled through DAEM in My.SSS. Members without an eligible UMID-ATM generally need an approved DAEM disbursement account before filing.
Possible deductions from retirement benefit
Retirement proceeds are not always paid without deductions. SSS may deduct applicable amounts such as:
- Unpaid short-term member loans covered by the retirement-benefit deduction rules.
- Certain settled unemployment benefits when an overlapping/recoverable situation applies.
- Overlapping sickness and partial disability benefits.
- Overpaid dependent pension caused by death, employment, marriage or other disqualifying events.
What if a retiree goes back to work?
A retirement pensioner's monthly pension is generally suspended upon re-employment or resumption of self-employment while below age 65. The member becomes subject again to compulsory SSS coverage.
When the member later retires again, SSS compares the prior retirement pension with the recomputed pension and applies the applicable rule.
Does a retirement pensioner need ACOP?
Current ACOP rules require annual confirmation for certain pensioners, including retirement pensioners residing abroad and retirement pensioners residing in the Philippines who are age 80 and above. SSS may also require other retirement pensioners to comply when notified.
Check Official ACOP RulesWhat happens to the pension when a retiree dies?
Upon the death of a retiree pensioner, qualified primary beneficiaries may receive 100% of the monthly pension, while qualified dependents may continue receiving the applicable dependent pension.
If there are no primary beneficiaries and the retiree dies within the first 60 months from the start of monthly pension, secondary beneficiaries may receive a lump sum corresponding to the balance of the five-year guaranteed pension period, excluding dependent pension.
Frequently asked questions
Important calculator limitation
This is an independent estimator. It does not access your My.SSS contribution history and cannot determine your official AMSC, CYS, Pension Booster TAAV, loan deductions, retirement contingency date or final benefit. Always compare the estimate with your official SSS record before making retirement decisions.
Official references
Rules last reviewed: August 24, 2026.