How is the SSS pension amount determined?

SSS computes your pension using three formulas and gives you the highest amount: (1) PHP 300 + 20% of AMSC + 2% of AMSC for each CYS over 10, (2) 40% of AMSC, and (3) the minimum pension of PHP 2,000 (for 10-20 CYS) or PHP 4,000 (for 20+ CYS).

What is the maximum SSS monthly pension?

There is no hard cap on the SSS pension, but it is limited by the maximum Monthly Salary Credit (PHP 30,000 in 2025) and your total years of contribution. With the maximum MSC and 30 years of contributions, the estimated pension is about PHP 27,300 per month.

Can I receive SSS pension and still work?

If you retire at 60 (optional retirement), you must have separated from employment to start receiving your pension. If you retire at 65 (mandatory retirement), you can receive the pension regardless of employment status. There are no restrictions on working after age 65.

Do SSS pensioners receive a 13th month pension?

Yes. SSS pensioners receive a 13th month pension every December, equal to one month of their regular pension amount.

What happens to my SSS pension when I die?

Your primary beneficiaries (dependent spouse and children) will receive survivorship pension benefits. If there are no primary beneficiaries, secondary beneficiaries (dependent parents) may receive a lump sum benefit.

SSS Pension Table Philippines

Your SSS monthly pension depends on your Average Monthly Salary Credit (AMSC) and total Credited Years of Service (CYS). The pension is the highest of three formulas. For example, with a PHP 20,000 AMSC and 25 years of contributions, your estimated pension is about PHP 10,300 per month.

Updated March 14, 2026

This page is not affiliated with any Philippine government agency. Information is based on publicly available official sources and may change. Always verify details with the relevant government office.

Estimated Monthly Pension by Salary Credit & Years

This table shows estimated monthly pension amounts based on your Average Monthly Salary Credit (AMSC) and total Credited Years of Service (CYS). The highest of the three SSS pension formulas is used.

MSC	10 yrs	15 yrs	20 yrs	25 yrs	30 yrs
₱4,000.00	₱2,000.00	₱2,000.00	₱2,400.00	₱3,000.00	₱3,600.00
₱6,000.00	₱2,400.00	₱2,700.00	₱3,600.00	₱4,500.00	₱5,400.00
₱8,000.00	₱2,400.00	₱3,200.00	₱4,400.00	₱5,600.00	₱6,800.00
₱10,000.00	₱2,300.00	₱3,300.00	₱5,300.00	₱7,300.00	₱9,300.00
₱15,000.00	₱3,300.00	₱4,800.00	₱7,800.00	₱10,800.00	₱13,800.00
₱20,000.00	₱4,300.00	₱6,300.00	₱10,300.00	₱14,300.00	₱18,300.00
₱25,000.00	₱5,300.00	₱7,800.00	₱12,800.00	₱17,800.00	₱22,800.00
₱30,000.00	₱6,300.00	₱9,300.00	₱15,300.00	₱21,300.00	₱27,300.00

Estimates based on the SSS pension formula. Actual pension may vary based on contribution history and average monthly salary credit.

The Three SSS Pension Formulas

SSS computes your pension using all three formulas and gives you the highest amount.

Formula 1

PHP 300 + (20% x AMSC) + (2% x AMSC x CYS over 10)

This formula rewards long tenure. The 2% bonus applies for every credited year of service beyond the first 10 years. For members with 25+ years of contributions, this formula usually yields the highest pension.

Formula 2

40% x AMSC

A simpler calculation that gives you 40% of your average monthly salary credit. This formula tends to produce the highest amount for members with shorter contribution periods but higher salary credits.

Formula 3 (Minimum Pension)

PHP 2,000 (if CYS >= 10 years) or PHP 1,200 (if CYS < 10 years)

The guaranteed minimum pension. If Formulas 1 and 2 produce an amount below this floor, the minimum pension applies. Members with at least 10 credited years of service receive PHP 2,000.

Who It Applies To

The SSS retirement pension applies to all SSS members who have reached retirement age (60 for optional, 65 for mandatory) and have made at least 120 monthly contributions (10 years).

This includes:

Employed members — private sector employees whose employers remit SSS contributions
Self-employed members — freelancers, business owners, and professionals who pay their own contributions
Voluntary members — separated employees, overseas Filipino workers (OFWs), and non-working spouses who continue contributing

Members who do not meet the minimum 120 contributions will receive a lump-sum benefit instead of a monthly pension.

Eligibility Requirements

At least 120 monthly contributions (10 credited years of service)
At least 60 years old for optional retirement (must have separated from employment)
At least 65 years old for mandatory/technical retirement
Must not be receiving any other SSS benefit at the time of retirement