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Your Details
Must be between 18 and 59
Enter your gross monthly salary (₱)
How many years of SSS contributions so far
Auto-calculated based on age inputs
Est. Monthly Pension
₱0
At retirement age
Total Contributions
₱0
Over career lifetime
Average Monthly MSC
₱0
Monthly Salary Credit
Pension Breakdown
| Component | Amount / Month |
|---|---|
|
Formula A — 40% of AMSC
40% of your Average Monthly Salary Credit
|
₱0 |
|
Formula B — CYS-based
300 + (20% of AMSC) + (2% × AMSC × CYS beyond 10)
|
₱0 |
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Pension Base (higher of A or B)
SSS takes whichever formula gives more
|
₱0 |
|
13th Month Pension
Annual bonus (1 month equivalent)
|
₱0 |
| Estimated Monthly Pension | ₱0 |
Contribution Progress
0 of 0 years
Monthly Contribution Breakdown
| Who Pays | Monthly Amount |
|---|
Disclaimer: This calculator is for estimation purposes only. Actual pension may differ based on your complete SSS contribution history, applicable laws, and SSS policies at the time of retirement. Pension uses the higher of Formula A (40% of AMSC) or Formula B (₱300 + 20% AMSC + 2% × AMSC × excess CYS). Consult your nearest SSS branch or visit my.sss.gov.ph for an official computation.
2025 SSS Contribution Table — Employed Members (ER + EE)
| Range of Compensation | MSC | Total (15%) | Employer (9.5%) | Employee (4.5%) | EC (Employer) |
|---|
Self-Employed / Voluntary / OFW: Pay the full 15% contribution themselves (no employer share). EC (Employee Compensation) fund is not applicable for voluntary and non-working spouse members. OFW minimum MSC is ₱8,000.
SSS Retirement Pension Formula (RA 11199)
Pension = higher of Formula A or Formula B
Formula A = 40% × AMSC
Formula B = 300 + (20% × AMSC) + (2% × AMSC × CYS beyond 10)
AMSC = Average Monthly Salary Credit (last 60 months or full career)
CYS = Credited Years of Service (contribution months ÷ 12)
Key Concepts
Monthly Salary Credit (MSC) The basis for computing contributions and benefits. Capped at ₱35,000 (2025). |
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Contribution Rate (2025) 15% of MSC — split 9.5% employer / 4.5% employee for employed members. |
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Credited Years of Service (CYS) Total months with valid SSS contributions divided by 12. |
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Minimum Pension ₱2,000/mo for members with at least 10 CYS; ₱1,200/mo for those with less. |
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13th Month Pension Retirees receive one extra monthly pension each December. |
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Retirement Eligibility At least 120 monthly contributions and age 60 (optional) or 65 (compulsory). |
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MySSS Pension Booster Voluntary provident fund on top of regular SSS to increase retirement income. ROI: ~6%, paid over 15 years. |