Estimate your monthly retirement pension. SSS computes three formulas and pays the highest — enter your average monthly salary credit and your credited years of service.
Roughly your average MSC over your career — see FAQ.
≈ total monthly contributions ÷ 12. Minimum 10 for a pension.
Estimate only — SSS computes your official pension from your actual posted contribution history at claim time. Legislated pension increases are applied by SSS on top when they take effect.
SSS runs your record through three formulas and pays whichever is highest:
On top of the winning formula, every pensioner receives the ₱1,000 across-the-board addition, and a 13th month pension every December. Long careers win with Formula 1 — each credited year beyond 10 adds 2% of your AMSC to the pension, permanently.
| Profile | Formula 1 | Formula 2 | Pension paid (+₱1,000) |
|---|---|---|---|
| AMSC ₱20,000 · 30 years | ₱300 + ₱4,000 + ₱8,000 = ₱12,300 | ₱8,000 | ₱13,300 |
| AMSC ₱15,000 · 15 years | ₱300 + ₱3,000 + ₱1,500 = ₱4,800 | ₱6,000 | ₱7,000 |
| AMSC ₱10,000 · 10 years | ₱300 + ₱2,000 + ₱0 = ₱2,300 | ₱4,000 | ₱5,000 |
The highest of the three formulas above, plus ₱1,000 across-the-board, plus a 13th month pension in December.
120 monthly contributions (10 credited years). Fewer than that = lump sum instead of a pension.
Your average monthly salary credit — SSS uses the higher of the last-60-months average or your whole-career average, so late-career MSC increases help.
At 60 if you've stopped working, at 65 regardless.
Yes — every December.
If your MSC exceeded ₱20,000, your WISP account pays out at retirement on top of the pension.