Are you curious about how much SSS pension you might get at retirement? Or how your Pension Booster (MPF/WISP) can grow over time? With this updated SSS Pension Calculator, you can estimate your Regular SSS Pension and Pension Booster based on your actual contributions, current salary, and retirement plan.
This calculator is designed to be realistic and accurate, including:
- Total contributions so far (in months)
- Monthly salary for the last 5 years before retirement
- Current monthly salary (for Pension Booster eligibility)
- Total current MPF/WISP savings (if any)
- Expected annual growth for your Pension Booster
How to Use the SSS Pension Calculator
Fill in the fields as described below:
| Field | What to Enter | Explanation |
|---|---|---|
| Current Age | Your present age in years | Used to calculate months until retirement. |
| Planned Retirement Age | Age you plan to retire (commonly 60 or 65) | Determines projected future contributions. |
| Total Contributions So Far (in months) | Total number of months you’ve contributed to SSS | Ensures accuracy even with gaps in contributions. |
| Current Monthly Salary | Your present salary | Determines if you qualify for the Pension Booster. |
| Monthly Salary for Last 5 Years Before Retirement | Your assumed monthly salaries for each of the last 5 years | Used to calculate the Average Monthly Salary Credit (MSC) for Regular SSS Pension. |
| Total Current MPF/WISP Savings (as of now) | Any existing Pension Booster savings | Included in the projected lump sum. |
| Expected Annual Return for Booster (optional %) | Assumed annual growth rate of your MPF/WISP | Used to project growth of contributions and current savings. Leave empty if no growth assumed. |
Tip: Enter realistic figures for the last 5 years’ salaries. These are assumptions for calculation purposes if you don’t have exact MSC values.
Understanding the Calculator Results
After clicking Calculate, the results are displayed clearly:
Regular SSS Pension
- Average MSC – Average monthly salary credit over the last 5 years, capped according to SSS rules.
- Total Credited Years – Derived from your total contributions.
- Estimated Monthly Pension – Amount you may receive per month at retirement.
Pension Booster (MPF/WISP)
- Monthly Contribution – 15% of your Pension Booster MSC (salary above ₱20,000, capped at ₱15,000).
- Projected Lump Sum at Retirement (including current savings) – Total projected MPF/WISP savings, including your current savings and future contributions, with optional growth.
Total Contributions Until Retirement
- Displays the total number of contributions (in months), combining past contributions and projected future contributions until retirement.
Note: The calculator does not show breakdowns of formula components, only final amounts for clarity.
SSS Pension + Pension Booster Calculator
SSS Pension Calculator (with Pension Booster)
This shows how your SSS pension and Pension Booster can grow over time, giving you a clear picture of your retirement income.