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SSS Retirement Pension Calculator 2026

Estimate your monthly SSS pension at 60 or 65 using the official formula, plus the ₱1,000 additional benefit, 13th month pension and dependents’ pension.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: With 120 or more monthly contributions you get a lifetime monthly pension, the highest of: (1) ₱300 + 20% of your average monthly salary credit (AMSC) + 2% of AMSC for each credited year beyond 10; (2) 40% of AMSC; (3) the minimum ₱1,200 (10+ years) or ₱2,400 (20+ years). SSS adds ₱1,000 a month, a 13th month pension every December, and 10% of the pension (at least ₱250) for each minor child, up to 5. With fewer than 120 contributions you get a lump sum instead. The Pension Reform Program increases (10% in Sept 2025 and 2026 for retirement pensioners) are not included. Rules checked November 10, 2026. SSS has the final word — check your official record or payslip.

How to use it (step by step)

  1. 1Fill in the boxes: “Average monthly salary over your working years”, “Total monthly contributions paid”, “Minor children (under 21, unmarried, not working)”. Example numbers are already there so you can see how it works; replace them with yours.
  2. 2The result updates instantly as you type (on a phone it is below the boxes).
  3. 3The bold line is the main answer. Tap Copy next to any value to copy it.

Words to know

13th month pay
Extra pay in the Philippines, required by law, equal to one-twelfth of the basic salary earned in the year.
SSS, PhilHealth, Pag-IBIG
Philippine government contributions taken from salary for social security, health insurance and housing savings.
MSC (Monthly Salary Credit)
The salary amount SSS uses for your contribution and benefits: your pay rounded to the nearest ₱500, from ₱5,000 to ₱35,000. Like a “price tag” SSS puts on your salary.
ADSC / AMSC
Your average salary credit — what SSS uses to compute benefits. ADSC is per day (six highest monthly credits ÷ 180); AMSC is per month.

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