Your SSS record
Your contributions and salary credits are on My.SSS under Inquiry.
Your GSIS record
Your service record and salary history are on the GSIS Touch app or eGSISMO.
SSS and GSIS retirement FAQ
How is the SSS monthly pension computed?
SSS pays the highest of three amounts: ₱300 plus 20% of your average monthly salary credit (AMSC) plus 2% of the AMSC for each credited year of service beyond 10; 40% of the AMSC; or the minimum pension of ₱1,200 with at least 10 credited years or ₱2,400 with at least 20. A ₱1,000 additional benefit is added, and pensioners receive 13 payments a year.
How many SSS contributions do I need for a pension?
At least 120 monthly contributions before the semester of retirement. With fewer, SSS pays a one-time lump sum equal to the contributions you and your employer paid, plus interest. You may retire at 60 if you are no longer working, or at 65.
What are the SSS Pension Reform increases?
SSS is raising retirement and disability pensions by 10% a year from 2025 to 2027: in September 2025, in 2026 (released from June 2026 for existing pensioners) and in September 2027. The calculator can add the 2025 and 2026 increases to the basic pension as an estimate; confirm how they apply to new pensioners with SSS.
How is the GSIS basic monthly pension computed?
Under RA 8291 the basic monthly pension is 37.5% of the revalued average monthly compensation (the AMC of the last 36 months plus ₱700), plus 2.5% for each year of service beyond 15, but not more than 90% of the AMC. GSIS raised the minimum basic monthly pension to ₱6,000 in 2019.
What is the difference between GSIS Option 1 and Option 2?
Option 1 pays a lump sum of 60 times the basic monthly pension at retirement, and the monthly pension starts after five years. Option 2 pays 18 times the basic monthly pension in cash and the monthly pension starts right away. Option 2 pays more in total if you live more than about three and a half years after retiring; Option 1 gives a bigger amount at once.
I joined government before 1997. Do other laws apply?
Yes. If you entered government service before June 1997 you may be able to retire under RA 660 or RA 1616 (gratuity) instead of RA 8291, which can give a different amount. This calculator covers RA 8291; ask GSIS to compare the options for your record.
Are these the exact amounts I will receive?
No. They are estimates from the published formulas. SSS and GSIS compute your benefit from their own records of your contributions, salary and service. Use the official SSS and GSIS estimators or ask their offices for the exact amount.
