SSS Pension Calculator 2025

The SSS Pension Calculator is the best tool to estimate your Social Security System (SSS) retirement benefits in the Philippines. This calculator incorporates the latest 2025 pension reforms and regulations to help you optimize your future benefits.

Key Benefits:

Quick estimates of retirement, disability, and survivor pensions
Scenario simulation for different retirement ages or contribution levels
Transparency into pension formulas and requirements
Planning for early or full retirement

Estimate Your Pension

Date of Birth:

SSS Membership Start Date:

Planned Retirement Date:

Average Monthly Salary (Last 5 years):

₱ (Min: ₱5,000 - Max: ₱35,000)

Total Years of Contribution:

How Are SSS Pensions Calculated? (2025 Formula Update)

The amount of your SSS monthly pension depends on three main formulas, with the highest resulting value used for your benefit:

Formula

Description

Example

₱300 + 20% of AMSC + 2% of AMSC × years beyond 10 + ₱1,000

₱300 + ₱8,000 + ₱20,000 + ₱1,000 = ₱29,300

40% of AMSC + ₱1,000

₱16,000 + ₱1,000 = ₱17,000

₱1,200 (10-20 yrs) or ₱2,400 (20+ yrs) + ₱1,000

₱2,400 + ₱1,000 = ₱3,400

Note: From January 2025, the SSS minimum MSC is ₱5,000 and maximum is ₱35,000, with a 15% contribution rate (10% employer, 5% employee).

Latest Pension Reform: 2025–2027 Increase

Effective September 2025, all SSS pensioners will receive annual increases for three years:

Year

Retirement/Disability

Death/Survivor

2025

+10%

+5%

2026

+10% (additional)

+5% (additional)

2027

+10% (additional)

+5% (additional)

Total increase over 3 years: ~33% for Retirement/Disability and 16% for Death/Survivor pensions.

Tips to Maximize Your SSS Pension

Contribute Consistently: Avoid gaps, as total credited years significantly boost your benefit
Maximize Your MSC: Higher salary credits mean higher pensions
Start Early: The longer you pay, the larger your eventual benefit
Supplement: Consider voluntary contributions to programs like SSS WISP+
Track Reforms: New annual adjustments for 2025–2027 increase your long-term payout

Important Disclaimer

This calculator provides estimates only. Actual SSS pension benefits may vary based on your complete contribution history and SSS policies. For official computation, please visit your nearest SSS branch or the SSS official website.

For assistance, call SSS hotline 1455 or your local SSS branch.