SSS Pension Calculator
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SSS Pension Calculator
Estimated Pension
₱0.00
This calculator provides an estimate. Actual pension amounts may vary based on SSS rules and your contribution history.
Understanding Your SSS Pension Calculation
The Social Security System (SSS) in the Philippines provides various benefits, including retirement, disability, and survivor pensions, to its members. The calculation of these pensions is based on several key factors related to your contributions and membership period. This calculator aims to provide an estimated pension amount based on the general formulas used by SSS.
Key Factors in SSS Pension Calculation:
- Average Monthly Salary Credit (AMSC): This is the average of your monthly salary credits (MSC) over the 60 highest months of your contributions for retirement and disability pensions. For survivor pensions, it's based on the deceased member's AMSC.
- Number of Contributions: The total number of monthly contributions you have made to the SSS.
- Benefit Formula: The specific formula applied depends on the type of pension and the member's contribution history.
SSS Pension Formulas (General Guidelines):
The SSS pension amount is generally calculated using a formula that involves the AMSC, the number of contributions, and a percentage based on the number of contributions.
For Retirement Pension and Disability Pension:
The monthly pension is the sum of:
- 1. The monthly pension credit equivalent to 20% of your AMSC.
- 2. An additional 1% of your AMSC for each year of contribution in excess of 10 years.
- 3. An additional 0.85% of your AMSC for each credited year of contribution that is not credited with the 1% monthly pension.
However, a simplified approach for estimation often uses the following:
Monthly Pension = (AMSC * 0.20) + (AMSC * 0.01 * Years of Contribution in excess of 10) + (AMSC * 0.0085 * Credited Years of Contribution)
A more common and simplified way to estimate the pension for retirement is:
If the number of contributions is less than 120 months (10 years):
Monthly Pension = (AMSC * 0.20) + (AMSC * 0.0085 * Total Contributions)
If the number of contributions is 120 months or more (10 years or more):
Monthly Pension = (AMSC * 0.20) + (AMSC * 0.01 * (Total Contributions / 12)) + (AMSC * 0.0085 * (Total Contributions - 120))
*Note: This formula is a simplification. The official SSS calculation might differ slightly, especially regarding credited years. The calculator uses a common estimation approach.*
The calculated pension shall not be less than ₱1,000.00 (for retirement and disability) or ₱1,000.00 divided by the number of the primary beneficiaries (for survivor pensions, if applicable and conditions are met).
Survivor Pension:
Survivor pensions for primary beneficiaries (legitimate spouse, minor children) are typically calculated based on a percentage of the deceased member's pensionable salary or the monthly pension they would have received. For example, the widow(er)'s pension is usually 50% of the deceased member's monthly pension. The calculator does not directly compute survivor pensions due to the complexity involving multiple beneficiaries and their qualifications, but provides an estimate based on the deceased's AMSC and contributions, assuming it is a retirement pension calculation as a proxy.
How to Use This Calculator:
- Average Monthly Salary Credit (AMSC): Find your latest SSS Statement of Account or use the SSS online portal to get your AMSC. If you don't have it, you can estimate it by dividing the sum of your salary credits over the highest 60 months of contributions by 60.
- Total Contributions: This is the total number of months you have paid SSS contributions. You can find this on your SSS Statement of Account.
- Retirement Age: Enter your age at the time of retirement. This is primarily for context; the core calculation uses contribution years.
- Pension Type: Select the type of pension you are interested in. The calculation shown is a general estimate applicable primarily to retirement and disability.
Important Considerations:
- This calculator is for estimation purposes only. The actual pension amount is determined by the SSS based on its latest rules and regulations.
- The minimum pension amount applies.
- Eligibility requirements for each pension type (e.g., minimum number of contributions) must be met.
- Always refer to the official SSS website or visit an SSS branch for precise information and application.
function calculatePension() {
var amsc = parseFloat(document.getElementById("averageMonthlySalaryCredit").value);
var totalContributions = parseFloat(document.getElementById("totalContributions").value);
var retirementAge = parseFloat(document.getElementById("retirementAge").value); // Not directly used in the simplified formula but kept for completeness
var pensionType = document.getElementById("pensionType").value;
var pensionResult = 0;
var minimumPension = 1000.00; // General minimum pension
// Basic validation
if (isNaN(amsc) || amsc <= 0 || isNaN(totalContributions) || totalContributions = 120) { // 10 years or more
var excessYears = yearsOfContribution – 10;
pensionAddOn = (amsc * 0.01 * excessYears) + (amsc * 0.0085 * (totalContributions – 120));
} else { // Less than 10 years
pensionAddOn = amsc * 0.0085 * totalContributions;
}
// The formula is a simplification. SSS uses specific credited years and may have different base percentages.
// This calculation approximates based on common understanding.
// A simpler approach for estimation:
var estimatedPension = amsc * 0.20; // Base 20%
if (yearsOfContribution > 10) {
estimatedPension += amsc * 0.01 * (yearsOfContribution – 10); // Additional 1% for years over 10
}
// The 0.85% part is complex as it relates to 'credited years not credited with the 1%'.
// For a simplified calculator, we can either ignore it or apply it to total contributions,
// acknowledging it's an approximation. A common simplification:
// estimatedPension += amsc * 0.0085 * totalContributions; // Simplified application of 0.85%
// Let's refine the calculation to be closer to a common estimation:
// If contributions = 120 months: Pension = (AMSC * 0.20) + (AMSC * 0.01 * (TotalContributions / 12))
// The SSS law states the pension is the sum of:
// 1. 20% of AMSC
// 2. 1% of AMSC for each year of contribution in excess of 10 years.
// 3. 0.85% of AMSC for each year of contribution NOT credited with the 1%
// This implies the 0.85% applies to the *base* contributions (potentially up to 10 years, or all if less than 10).
// Let's use a widely cited estimation formula for retirement/disability:
var calculatedPension = 0;
var basePensionPart = amsc * 0.20;
var additionalPensionPart = 0;
if (totalContributions >= 120) { // Minimum 10 years
var yearsOver10 = Math.floor(totalContributions / 12) – 10;
additionalPensionPart = (amsc * 0.01 * yearsOver10);
// The 0.85% part is tricky. If we interpret it as additional credit for *all* years,
// but only if the 1% part doesn't cover them fully.
// A common simplification applies it to the total contribution duration,
// or specifically to contributions within the first 10 years if the 1% applies.
// Let's use a common approximation where the 0.85% is applied to *all* contributions:
// Note: This is where accuracy heavily depends on SSS's exact crediting rules.
// SSS has rules about "credited years of contribution" which are not always 1:1 with months paid.
// For simplicity, we'll use total contributions for the 0.85% calculation, acknowledging it's an estimate.
additionalPensionPart += amsc * 0.0085 * totalContributions;
} else { // Less than 10 years
additionalPensionPart = amsc * 0.0085 * totalContributions;
}
calculatedPension = basePensionPart + additionalPensionPart;
// Ensure minimum pension is applied
if (calculatedPension < minimumPension) {
pensionResult = minimumPension;
} else {
pensionResult = calculatedPension;
}
// Format the result
var formattedResult = "₱" + pensionResult.toFixed(2);
document.getElementById("pensionResult").innerHTML = formattedResult;
}