SSS Retirement Planning Tool

SSS Pension Calculator & Retirement Planner 2026

Estimate the monthly SSS pension you are currently on track to receive, check whether you can reach the 120-contribution requirement, and compare what happens if you keep contributing longer.

SSS pension requirements in one line: a lifetime monthly retirement pension generally needs at least 120 monthly contributions before the applicable retirement period, plus the applicable retirement-age rule.

Start with two simple details about you. The calculator will then show the easiest way to continue based on the contribution information you have.

Step 1

✓ Completed

Where are you now?

Just enter your membership type and current age to begin.

Step 2

✓ Completed

Enter your SSS contribution information

Choose what you have, then complete the fields that appear below. Everything stays in this same step.

Current contribution details

Estimate from your current contribution

Use your paid contribution count plus whichever current SSS value is easiest for you to find.

Use the posted monthly contribution count in My.SSS when possible.
₱
We map this to the current SSS MSC schedule, then use the Regular SS portion as a rough AMSC proxy.
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For Regular SSS pension computation, the current benefit MSC basis is capped at ₱20,000; amounts above that go to Mandatory Pension Booster/MPF.
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This is a current-rule conversion to MSC, not an official historical AMSC calculation.
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Use values from your SSS record or a reliable SSS computation when available.

₱
Leave blank if you do not know it. This lets the Mandatory Booster projection include savings already accumulated before today.
Enter the number of qualified dependent children you expect at retirement. Enter 0 for none. SSS pays dependent pension for a maximum of five (5) qualified children, beginning with the youngest and without substitution.

My.SSS history details

Paste your My.SSS contribution history

Paste the monthly contribution history shown in My.SSS. Use the posted SSS contribution amount for each month — not only an employee payroll deduction. Do not add or subtract EC. The protected server engine reverse-maps supported posted amounts to historical MSC, including the verified 1980-current schedules; older unmatched rows are flagged instead of guessed.

No historical member type is needed by default. The analyzer tests the verified contribution schedules for that month and matches the MSC automatically when the posted amount has one valid mapping. It asks for old Employee vs Self-Employed/Voluntary status only if more than one valid mapping remains.
Less typing: the calculator detects your first contribution year from the pasted history. You only need to choose when you plan to retire so the correct contribution cutoff can be used.
Choose the month and year you plan to retire. The calculator will use that selected date for the projection.
No reformatting needed. Copy the desktop My.SSS table with YEAR and JAN-DEC columns and paste it directly. The analyzer ignores 0.00 months and reads each paid month automatically. Month-per-line input is still accepted too.
Only choose this if the analyzer asks. It is used to break a genuine old-schedule tie; it does not change modern contribution rows.

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The contribution table itself does not contain TAAV, so enter the separate balance only if My.SSS shows it.

Your retirement estimate

Estimated Regular SSS pension

₱0.00
at age 60
120-contribution requirement met

You also have Mandatory Pension Booster

Estimated retirement payout
—
—
Regular SSS + Mandatory Booster
—
estimated retirement income

Your Regular SSS pension continues subject to SSS rules.

Total MSC—
MSC going to Mandatory Booster—
Credited to Mandatory Booster now—
Existing TAAV entered—
Projected future Booster fund—

Estimated contributions by target age
0
Approx. annual pension
₱0.00
13 pension payments/year under current rules

What if you retire later?

Compare your current contribution path at age 60, 62 and 65. These estimates keep the same current contribution path. If your MSC stays above ₱20,000, the Mandatory Booster also keeps growing while you continue contributing.

Retire at Regular SSS Mandatory Booster Combined retirement view
Age 60
₱0/month
—
retirement payout
—
Age 62
₱0/month
—
retirement payout
—
Age 65
₱0/month
—
retirement payout
—

Waiting longer is not automatically better for everyone. Regular SSS and Mandatory Booster can both change when contributions continue. These remain planning estimates; official SSS AMSC, CYS and Booster value may differ.

You May Still Increase Your Pension

Based on your current path, your estimate is ₱0/month at age 60. A higher contribution path could potentially reach ₱0/month at the same age.

Possible increase: +₱0/month

The detailed comparison uses your membership type and MSC above, then checks age-based contribution limits and remaining years before retirement.

AMSC used₱0.00
CYS used0
Formula 1₱0.00
Formula 2 — 40% of AMSC₱0.00
Applicable minimum pension₱0.00
Current-rule estimate incl. ₱1,000 allowance₱0.00

Want a more accurate estimate?

Use Your Actual My.SSS Contribution History

Instead of relying only on your current salary/MSC as a proxy, paste the monthly contribution totals shown in My.SSS. The protected engine can reverse-map supported historical payments to their credited MSC and flag anything it cannot verify.

Planning estimate: SSS determines official AMSC, CYS, contribution history and final pension. Quick modes use current values as proxies and can differ from the official benefit.

Personalized pension improvement

How Much More Pension Could You Get?

Compare all available retirement ages at once, then see one year-by-year contribution/payment path showing how the higher-contribution strategy could develop through the latest available comparison age. This is a planning illustration—not a promise of the official SSS pension.

Your higher-pension comparison

Continue as you are vs improve your contribution path

Both amounts in each row use the same retirement age.

Retirement age Continue as you are Higher contribution path Possible increase

What you would need to do

Calendar year Planned MSC Monthly SSS payment Extra / month vs today

Your retirement estimate from My.SSS history

Estimated monthly SSS pension

—
Checking contribution requirement

You also have Mandatory Pension Booster

Estimated retirement payout
—
—
Regular SSS + Mandatory Booster
—
estimated retirement income

Your Regular SSS pension continues subject to SSS rules.

Latest total MSC—
MSC going to Mandatory Booster—
Credited to Mandatory Booster now—
Existing TAAV entered—
Projected future Booster fund—

Projected contributions by retirement
—
Approx. annual pension
—
13 pension payments/year under current rules

If you stop paying now

—

If you continue at your latest MSC

—

What if you retire later?

Compare the retirement month you selected with the same contribution path 2 years and 5 years later.

Retirement date Regular SSS Mandatory Booster Combined retirement view

These projections keep paying monthly at your latest recognized MSC. A later retirement date can change Regular SSS and, when the MSC remains above ₱20,000, also gives Mandatory Booster more contribution and growth time.

You May Still Increase Your Regular SSS Pension

Your latest recognized Regular SSS MSC is below the ₱20,000 Regular pension ceiling.

Continue at your latest MSC: —

Move toward the ₱20,000 Regular MSC ceiling: —

This uses your actual pasted history, your selected retirement date and the applicable age-based MSC-increase planning rules.

Higher Regular SSS MSC path

Year Planned MSC Monthly SSS payment Extra / month

Paid months found
0
Matched to MSC
0
Paid months before cutoff
0
Needs review
0

Actual My.SSS contribution history is reconstructed month by month, then future monthly contributions are projected at your latest recognized MSC through the retirement date you selected.

Detected first coverage year—
Planned retirement month—
AMSC method 1 — last 60 MSCs / 60—
AMSC method 2 — all MSCs / paid months—
Higher AMSC—
CYS A — coverage through 1984—
CYS B — 1985-2001 years with ≥6 paid months0
CYS C — Jan 2002 onward paid months / 120
Reconstructed CYS0

Check how we read your contribution history
MonthMy.SSS amountTotal MSCRegular pension MSCBooster MSCCheck

Important: Months that cannot be matched are never guessed. A valid paid month may still count for CYS even when its MSC cannot yet be reconstructed. The final benefit is always determined by SSS.

Step 3

✓ Completed

Optional: Add More Retirement Savings

Your Regular SSS pension and any automatic Mandatory Pension Booster are already counted above. Step 3 is only for new extra money you choose to save voluntarily.

Help me choose

Voluntary Pension Booster or MP2?

Compare the same new monthly savings amount in Voluntary SSS Pension Booster and Pag-IBIG MP2 through the same retirement horizon. The result is a planning projection, not a guaranteed return.

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Possible MPF member advantage

Could an SSS solar loan lower your electricity costs?

SSS announced that it is developing an Energy Sustainability Loan Program for qualified members with Mandatory Provident Fund accounts, with financing of up to ₱400,000, payable up to 7 years at 6% per year.

The program is still being developed, so final application and qualification rules may still apply. Having an MPF account should not be treated as automatic approval.

Check SSS Solar Loan & Solar Savings

Your retirement savings comparison

Voluntary Pension Booster vs MP2 result

See which option is projected to grow more and what each could mean as extra monthly retirement money.

What this could mean each month in retirement
Regular SSS pension
for life, subject to SSS rules
—
Mandatory Pension Booster
automatic MPF retirement benefit
—
—
projected extra retirement income for 15 years
—
Estimated total retirement income
during the first 15 years
—
After the 15-year Booster / savings comparison period, your Regular SSS pension continues subject to SSS rules.
Voluntary SSS Pension Booster
Projected fund at retirement
—
—
15-year monthly retirement equivalent
—
Projected fund divided across 180 months for an easy comparison.
Total retirement income with Voluntary Booster
—
for the 15-year comparison period

Pag-IBIG MP2
Projected fund at retirement
—
—
15-year monthly retirement equivalent
—
MP2 is savings, not a pension. This shows what the fund could provide if spread evenly across 180 months.
Total retirement income with MP2 equivalent
—
for the 15-year comparison period

Step 4

Can I file my SSS retirement pension now?

Check whether you are already at the filing stage or what you can prepare ahead of time.

SSS Pension Requirements 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.

Optional retirement from age 60 through 64 The member must generally be separated from employment or have ceased self-employment, OFW work or household-helper work.
Technical retirement at age 65 The member may claim whether employed/self-employed/working as OFW or household helper or not.

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.

SSS pension requirements by membership type

The 120-contribution pension threshold is the same core rule, but how you contribute—and what SSS may ask when you retire—can differ by membership type.

Your MSC generally follows actual compensation; you do not freely choose a higher MSC just to increase pension. For optional retirement from age 60 to 64, separation from covered employment is generally required. Sea-based OFWs are treated through an employer/manning-agency contribution arrangement. Kasambahays should also make sure their SSS membership status is permanent before claiming benefits.

MSC is based on declared actual earnings. Below age 55, an SE member may change MSC without limit in frequency or salary brackets within the applicable rules. At age 55+, an increase is generally limited to once per calendar year and one salary bracket from the last posted MSC. Missed months cannot normally be filled by retroactive payment. Optional retirement before 65 requires cessation of self-employment, and SSS lists supporting proof such as business non-renewal/cessation or its prescribed affidavit when applicable.

A VM is generally a previously covered Employee, Self-Employed or OFW member with at least one valid posted contribution who is no longer covered under that work. For first-time VM coverage, SSS allows the member to choose any MSC in the current contribution schedule regardless of age and prior MSC. For succeeding VM coverage, a member age 55+ is generally limited to one MSC increase per calendar year and one salary bracket at a time, subject to SSS exceptions. Contribution gaps cannot normally be back-paid. A member age 60–64 with 120+ contributions may continue as VM until 65, while a member age 65+ with fewer than 120 may continue until completing 120. SSS does not normally require proof of separation/cessation/no earnings from a VM for retirement filing.

The initial MSC is based on 50% of the working spouse’s declared monthly income, using the next higher MSC when needed. NWS contribution gaps cannot normally be filled retroactively. Once covered, retirement entitlement still depends on the member’s own posted contribution record, including the 120-contribution threshold for monthly pension.

The current minimum MSC is ₱8,000. Below age 55, a land-based OFW may change MSC without limit in frequency or brackets within the applicable rules; at age 55+, increases are generally limited to once per calendar year and one bracket, subject to exceptions such as first-time change to OFW coverage. Land-based OFWs may pay contributions in advance, but future schedule changes can create underpayments. For optional retirement at 60–64, covered OFW work must have ceased, although SSS retirement documentary guidance does not normally require proof of termination/no earnings for OFW claimants.

SSS includes individual farmers, fishermen and many informal-sector workers under self-employed coverage. Their pension planning therefore generally follows the self-employed MSC and retirement rules, unless a specific subsidy or partner program applies. Use the actual posted MSC and contribution history in My.SSS when estimating pension.

Coverage and contribution payment can depend on the member’s actual SSS registration/arrangement or subsidy program. For retirement planning, use the membership type and MSC actually posted in My.SSS. The 120-contribution threshold and retirement-age rules still determine whether the benefit is monthly pension or lump sum.

How the Regular SSS retirement pension is computed

If qualified for monthly pension, SSS uses the highest applicable result from the following:

  1. ₱300 + (20% × AMSC) + [2% × AMSC × (CYS − 10)]
  2. 40% × AMSC
  3. 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 is the maximum SSS pension?

There is no single fixed maximum monthly SSS pension that applies to every member. Your Regular SSS pension depends mainly on your official AMSC and Credited Years of Service (CYS), so two members with the same current contribution can still receive different pension amounts.

Under the current contribution structure, Regular SSS benefit computation uses MSC only up to ₱20,000. If your total MSC is higher, the portion above ₱20,000 goes to the separate Mandatory Pension Booster / MPF instead of increasing the Regular SSS MSC. Use the calculator above to estimate both parts together.

What are AMSC and CYS in SSS pension?

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.

How many SSS contributions do you need for a pension?

You generally need at least 120 monthly contributions before the applicable retirement period to qualify for a lifetime monthly SSS retirement pension.

If you reach retirement age with fewer than 120 monthly contributions, you generally receive 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.

MPF vs Pension Booster: Mandatory and Voluntary

MPF and Mandatory Pension Booster refer to the same automatic retirement-savings component created from MSC above ₱20,000. Voluntary Pension Booster is different: it is optional extra savings you choose to add.

The current MySSS Pension Booster therefore has two savings components that should not be mixed up: Mandatory Pension Booster / MPF and Voluntary Pension Booster.

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.

Regular SSS retirement benefit is lump sum MPF retirement benefit follows the lump-sum treatment.
Regular SSS retirement benefit is monthly pension + MPF TAAV below ₱100,000 MPF is paid as lump sum.
Regular SSS monthly pension + MPF TAAV at least ₱100,000 The member may choose a fixed MPF monthly pension by dividing TAAV over 60, 120 or 180 months, or combine a lump sum of up to 50% of TAAV with a monthly pension from the remaining balance.

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.

Pensioners as of May 31, 2026 10% increase effective June 1, 2026.
Contingency June 1–August 31, 2026 10% increase effective September 1, 2026.

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

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Use the monthly pension amount that includes the ₱1,000 benefit allowance, but before the 2026 10% tranche.
2026 status
-
10% increase ₱0.00
Monthly pension after 2026 increase ₱0.00

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 apply for SSS pension / file a 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 Rules

What 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

At least 120 monthly contributions before the applicable retirement period are generally required for a lifetime monthly retirement pension.

You generally fall under lump-sum retirement benefit, but SSS gives a member with fewer than 120 contributions the option to continue paying voluntarily to complete 120 months and qualify for monthly pension.

No. AMSC comes from the applicable SSS Monthly Salary Credits in the member's contribution history. Current salary can help estimate it only when the contribution history is stable.

The Regular SSS benefit MSC is capped at PHP 20,000 under the current contribution structure. MSC above PHP 20,000 up to PHP 35,000 goes to the Mandatory Pension Booster / MPF account instead.

No. If the member receives Regular SSS retirement as monthly pension and MPF TAAV is at least PHP 100,000, MPF can be paid as fixed monthly pension over 60, 120 or 180 months, or as a combination of up to 50% lump sum plus monthly pension. Below PHP 100,000, MPF is lump sum.

No. Mandatory Pension Booster is the MPF component generated by MSC above PHP 20,000. Voluntary MySSS Pension Booster is optional additional savings, formerly called WISP Plus.

There is no single fixed maximum monthly pension for every member. Regular SSS pension depends on official AMSC and CYS. Under the current contribution structure, Regular SSS benefit computation uses MSC only up to PHP 20,000; MSC above PHP 20,000 is credited to the separate Mandatory Pension Booster / MPF account.

No. Each annual tranche has its own contingency-date cut-off. A retirement/disability pensioner who qualifies for all three 10% tranches receives compounded increases: 10% in 2025, another 10% in 2026, and another 10% in 2027, for about 33.1% cumulative growth.

For the standard optional-retirement rule from age 60 through 64, the member generally must be separated from employment or have ceased self-employment/OFW/household-helper work. At age 65, technical retirement can generally be claimed whether working or not.

How can you increase or maximize your SSS pension?

The Regular SSS retirement pension depends mainly on your official AMSC, Credited Years of Service and whether you meet the 120-contribution requirement. Paying more can help when it raises the MSCs that enter the official AMSC computation, while continuing contributions can also add credited years.

The current Regular SS pension basis uses MSC only up to ₱20,000. Contributions corresponding to MSC above ₱20,000 are credited to the separate Mandatory Pension Booster/MPF account. Members age 55+ in certain voluntary/self-paid categories also have limits on how quickly MSC can be increased. Use the optional higher-pension planner above for a personalized pension-improvement comparison.

Important calculator limitation

This is an independent estimator and does not connect directly to your My.SSS account. If you paste your contribution history, the calculator reconstructs an estimate from the information you provide, but it 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

Official SSS Retirement Benefit Guide Official SSS Contribution Guide Official MySSS Pension Booster Guide Official Mandatory MPF Benefit Guidelines SSS Circular 2026-002 — Pension Reform Program

Rules last reviewed: September 2, 2026.

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Explore an optional UnionBank credit-card offer for planned or unexpected expenses. Approval, fees, eligibility, credit limit, and terms remain subject to UnionBank.

View UnionBank Offer
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