mengira / calculatorsSEA Regional Suite

Choose your country

🇲🇾MalaysiaMYR🇸🇬SingaporeSGD🇮🇩IndonesiaIDR🇵🇭PhilippinesPHP🇹🇭ThailandTHB
Overview
Loans
Pag-IBIG Housing Loan
Retirement
SSS / GSIS Pension
SSS / GSIS Pension Estimator. Project monthly contributions and retirement pension. Interactive Mengira financial calculator with deterministic math: inputs are processed client-side, results update reactively, formulas documented in the on-page explainer.
← Philippines

SSS / GSIS Pension Estimator

Project monthly contributions and retirement pension.

₱ 25,000

MSC is capped at ₱30,000 (2024).

25 yrs

Projected monthly pension

₱ 12,800

Based on 25 CYS at MSC ₱ 25,000

Monthly contribution (14%)

₱ 3,500

Total contributions

₱ 1,050,000

Formula A result

₱ 12,800

Formula B (40% MSC)

₱ 10,000

Sponsor

Featured offer

Compare curated financial products matched to your calculator results.

Explore →

Next steps

Recommendations
Boost retirement
Add PERA / mutual funds.
Compare
Pag-IBIG MP2
Higher dividend voluntary savings.
Estimate housing
Plan a Pag-IBIG home loan.

How the math works

SSS uses the highest of three pension formulas. With at least 10 CYS, a minimum pension of ₱1,200 (and ₱2,400 for 20+ CYS) applies.

  1. 01

    Monthly contribution

    Contribution = MSC × 14%

    2024 combined employee + employer rate.

  2. 02

    Formula A

    A = 300 + 20% × AMSC + 2% × AMSC × (CYS − 10)
  3. 03

    Formula B

    B = 40% × AMSC
  4. 04

    Pension

    Pension = max(Floor, A, B)

    Floor = ₱1,200 (10+ CYS); the system also adds a ₱1,000 across-the-board increase to actual retirees.

Estimator only. Excludes voluntary AMSC averaging, dependents' allowance, and 13th-month pension.