SSS works out all three and pays the highest. Which one wins changes with your length of service, so all three are shown rather than only the answer.
Your SSS pension is not worked out with a formula. The law sets three, and you are paid whichever gives the most.
That matters more than it sounds, because each one wins over a different stretch of a career. The flat 40% governs a short record. The ₱300 + 20% + 2% formula is the only one that grows with service, so it overtakes the others as credited years build. On a low salary credit the statutory minimum beats both. A calculator showing one number can therefore be wrong for you without ever looking wrong — so this page shows all three and marks the one that governs.
The bigger surprise is the cap. Contributions are collected on a monthly salary credit that now runs to ₱35,000, but the pension itself is worked on an average salary credit capped at ₱20,000 — the ceiling as it stood before 2021. What you pay above that is not lost: it funds WISP, the Mandatory Provident Fund, a separate savings benefit with market returns. But it raises no part of the monthly pension. Feed ₱35,000 into the first formula with thirty years of service and you get ₱21,300 against a real ₱12,300 — nine thousand pesos a month, for life, that does not exist.
Below ten credited years there is no monthly pension at all, only a lump sum of your contributions plus interest. This page names that outcome and does not put a figure on it, because the amount comes from your contribution record and any number invented here would be worse than none.
Because the defined-benefit pension is capped at an average salary credit of ₱20,000 — the ceiling as it stood before 2021. Contributions above that level are not lost: they fund WISP, the Mandatory Provident Fund, which is a separate savings benefit with market-based returns that you also receive. What they do not do is raise the monthly pension. Miss this and a thirty-year pension on a ₱35,000 credit comes out about ₱9,000 a month too high — which is what most SSS pension calculators quote.
Because the law sets three and SSS pays whichever gives the most. One is ₱300 plus 20% of your average salary credit plus 2% for each year of service beyond ten. The second is a flat 40% of your salary credit. The third is a statutory minimum — ₱1,200 at ten years, ₱2,400 at twenty. Each of them wins over a different stretch of a career, which is exactly why a calculator that shows only one number can be wrong for you without ever looking wrong. All three are on this page.
It depends on your length of service. With a short record the flat 40% usually wins; as credited years build, the ₱300 + 20% + 2% formula overtakes it, because that is the only one that grows with service. On a low salary credit the statutory minimum can beat both. Change the years in the calculator above and watch which row is marked "Governs" — that movement is the whole point of showing all three.
Then there is no monthly pension. Instead you receive a lump sum: your total contributions plus the interest SSS has credited on them. This page does not put a figure on that, because it depends on your actual contribution record rather than on an average salary credit and a year count — any number here would be invented. SSS can tell you the real amount.
Yes. Enter your age and the calculator still works out what the record you described would pay, with a note that you cannot claim it yet. Optional retirement starts at 60 and is compulsory at 65. Somebody at 52 planning ahead is asking a perfectly reasonable question, and blanking the answer would lose the part they came for.
It is an across-the-board addition to every monthly pension, granted under section 12-C. It is added on top of whichever formula governs, so it applies equally to a minimum pension and to a large one. It is shown as its own line on this page rather than folded into the total.
Each dependent child receives 10% of your monthly pension or ₱250, whichever is higher — note it is the higher, not the lower. It is paid for at most five children, beginning with the youngest, and it stops as each child turns 21, marries, or begins earning substantially. On a small pension the ₱250 floor is what applies; on a large one the 10% is much more.
No. Your salary credit is the bracket your salary falls into on the SSS contribution schedule, and your AMSC is the average of your last sixty monthly salary credits, or of all of them, whichever is higher. This page cannot see your record, so the figure you type in drives everything — check it against your SSS account rather than entering your pay.
No, and that is deliberate. The Pension Reform Program that began in September 2025 has been reported as raising the pensions of people who were already pensioners on 31 August 2025 — a rise for an existing group rather than a change to how a new claim is computed. Applying it here would overstate every future pension. If it turns out to change new claims too, it belongs in this page as a new rule version.
AMSC is capped at ₱20,000 in all three.
At ten years instead of thirty the same salary credit gives ₱4,300 from formula 1 and ₱8,000 from formula 2 — so thesecond formula governs. That crossover is why all three are shown.
An estimate from the figures you enter. SSS computes your average monthly salary credit from your actual contribution record, and the benefit it finally approves rests on that record rather than on anything typed here. The September 2025 pension increase is not modelled. This is not financial advice. Nothing you type here is sent to our servers — the calculation runs entirely in your browser.
