SSS Retirement Calculator (Pension + MPF + PB/Flexi)
One clear view: monthly pension + retirement savings (MPF + voluntary).
Enter your details
Based on your last 60 posted SSS contributions. (Pension uses AMSC.)
Years with at least one posted SSS contribution.
Voluntary savings will map to Pension Booster (Local) or Flexi-Fund (OFW).
Used only to estimate Mandatory MPF. If MSC ≤ 20,000, MPF is ₱0.
How long you have been paying contributions with MSC above ₱20,000.
Optional. Local members: Pension Booster. OFWs: Flexi-Fund.
Estimate only. Actual MPF/WISP returns vary yearly.
SSS uses illustrative ROI in their tools; actual varies.
Applied to voluntary estimate as a simple netting (ROI - fee).
Simple estimator: (MSC - 20,000) rate. This is an approximation for clarity.
Default ₱20,000 threshold (excess goes to MPF).
Note: This is a clarity-first estimator. It separates benefits properly and shows assumptions transparently.
Estimated Monthly SSS Pension
Paid monthly for life (separate from MPF / voluntary savings).
₱0/month
Pension computation breakdown
Formula A: ₱0
Formula B: ₱0
Minimum (C): ₱0
Highest value is applied.
Retirement Savings (Separate from Pension)
Typically received as lump sum or programmed withdrawals.
| Component | How it works | Estimated value |
|---|---|---|
| MPF (Mandatory) | If MSC is above the cap, excess is credited to MPF. | ₱0 |
| Pension Booster (Voluntary) | Optional monthly savings you set. | ₱0 |
| Total one-time retirement savings | MPF + voluntary | ₱0 |
Important: MPF/WISP and Pension Booster/Flexi-Fund are not included in the monthly pension computation.
Retirement Snapshot
Monthly income for life
₱0/month
One-time retirement savings
₱0
Assumptions used (editable): MPF return 5%,
Voluntary return 6%,
Mgmt fee 1%,
MPF rate 15%,
MPF cap ₱20,000.