SSS Pension by Monthly Contribution (2026 Table)
Voluntary, self-employed and OFW members pay 15% of their monthly salary credit: ₱750 at the ₱5,000 minimum, ₱3,000 at ₱20,000, the highest MSC the pension counts. Find what you pay to see the monthly pension it builds.
From the SSS pension formula (RA 8282 / RA 11199), assuming the same MSC throughout, including the ₱1,000 additional benefit. Employees pay 5% of the MSC, so check the MSC on your payslip, not the deduction.
| You pay / month | MSC | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs | 40 yrs |
|---|---|---|---|---|---|---|---|
| ₱750 | ₱5,000 | ₱3,000 | ₱3,000 | ₱3,400 | ₱3,800 | ₱4,300 | ₱5,300 |
| ₱900 | ₱6,000 | ₱3,400 | ₱3,400 | ₱3,700 | ₱4,300 | ₱4,900 | ₱6,100 |
| ₱1,200 | ₱8,000 | ₱4,200 | ₱4,200 | ₱4,500 | ₱5,300 | ₱6,100 | ₱7,700 |
| ₱1,500 | ₱10,000 | ₱5,000 | ₱5,000 | ₱5,300 | ₱6,300 | ₱7,300 | ₱9,300 |
| ₱1,800 | ₱12,000 | ₱5,800 | ₱5,800 | ₱6,100 | ₱7,300 | ₱8,500 | ₱10,900 |
| ₱2,250 | ₱15,000 | ₱7,000 | ₱7,000 | ₱7,300 | ₱8,800 | ₱10,300 | ₱13,300 |
| ₱2,700 | ₱18,000 | ₱8,200 | ₱8,200 | ₱8,500 | ₱10,300 | ₱12,100 | ₱15,700 |
| ₱3,000 | ₱20,000 | ₱9,000 | ₱9,000 | ₱9,300 | ₱11,300 | ₱13,300 | ₱17,300 |
What the table shows
- The first 10 years matter most: you need 120 monthly contributions for any monthly pension at all.
- Below 20 credited years, 40% of the MSC beats the formula, so 10 and 15 years pay the same.
- From 20 years the formula takes over, and each extra credited year adds 2% of your average MSC: ₱100 a month at ₱5,000, ₱400 at ₱20,000. At ₱750 a month, the ₱2,400 minimum basic pension applies first.
- Paying the ₱3,000 maximum only in your last 5 years still lifts your average MSC to ₱20,000, because SSS uses the higher of your last 60 months or your lifetime average.
Frequently asked questions
How many contributions do I need for a monthly SSS pension?
At least 120 monthly contributions (10 years) before your retirement semester, and age 60 if you are no longer working or 65 regardless. With fewer than 120, SSS pays a one-time lump sum instead of a monthly pension. You can keep paying as a voluntary member after 60 to complete 120.
What is the minimum monthly SSS pension?
With 10 to 19 credited years the minimum basic pension is ₱1,200, and with 20 or more it is ₱2,400. Add the ₱1,000 additional benefit and the minimum is ₱2,200 or ₱3,400 a month before the Pension Reform Program raises; with the 2025 and 2026 raises that is about ₱2,662 or ₱4,114, and about ₱2,928 or ₱4,525 from September 2027. You also get a 13th-month pension every December.
How much pension will I get if I pay ₱750 a month to SSS?
₱750 is 15% of the ₱5,000 minimum monthly salary credit (MSC), the lowest voluntary contribution. If your average MSC stays ₱5,000, the pension is about ₱3,000 a month with 10 credited years, ₱3,400 with 20 and ₱4,300 with 30, including the ₱1,000 additional benefit and before the reform raises. Paying on a higher MSC, especially in your last 5 years, raises it the most.
Related guides
- SSS pension calculator: your own age, years and MSC, with the 2025–2027 raises.
- SSS contribution by salary: what employees and employers pay.
- SSS, PhilHealth & Pag-IBIG table 2026: all three on one page.
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