My Laya PH · FREE Retirement Calculator

Know your true retirement number in 2 minutes

What the government will actually pay you.

Your Basic Information

Your SSS Details

SSS pays a monthly pension only after 120 posted contributions — below that, a one-time lump sum instead.
Above ₱20,000, the rest goes to the Mandatory MySSS Pension Booster (formerly WISP) — check My.SSS for that balance.
Fill in every field above to calculate.
You would not receive a monthly SSS pension. Based on the contributions you entered, you would reach 0 posted contributions by your target retirement age — short of the 120 that SSS requires for a lifetime monthly pension. Below 120, SSS pays a one-time lump sum instead. The gap below therefore assumes no monthly SSS pension at all. Contributing for longer, or retiring later, is what changes this.
Years until target retirement
Estimated SSS pension, at retirement
… plus a 13th-month pension, once a year

The 13th-month pension arrives as a single yearly payment, not as monthly income — so it is deliberately kept out of the monthly gap below. Counting it monthly would flatter the number.

Before inflation
Your monthly gap
0% covered 100%+ covered
These figures are in peso amounts, not buying power. Your pension is paid decades from now, when prices will be higher. Page 3 shows what it will actually be worth.

Grow your retirement money

Pag-IBIG MP2 and the Voluntary MySSS Pension Booster are separate government accounts — you can contribute to both.

Years until target retirement
Estimated SSS pension, at retirement
Your monthly gap, before inflation

If you contribute...

Voluntary MySSS Pension Booster

Enroll before 55 — early withdrawal reduces your payout.
Conservative
6.2%
Recent strong year
6.97%

SSS's own reported returns: 6.2% (2026 YTD), 6.83% (2025), 6.97% (2023). Past performance, not a guarantee.

Pag-IBIG MP2

12-yr average
6.72%
Latest (2025)
7.12%

Pag-IBIG's own reported dividend rates. Past performance, not a guarantee.

Your own assumption — spreads the lump sum evenly across however many years you choose.
Pension Booster — projected lump sum
≈ extra monthly income
MP2 — projected lump sum
≈ extra monthly income
Total monthly retirement income (SSS + Booster + MP2)
Remaining gap, before inflation
0% covered 100%+ covered
SSS alone covers your need

Gray = SSS alone. Dark = SSS plus Booster and MP2.

What it will actually buy

Want to know what your retirement savings will actually be worth when you retire?

Work out your SSS pension on page 1 first.
Your retirement income, in peso amounts
… SSS pension alone
… your ₱0 goal, at retirement prices
… what that income will actually buy, in today's money

What it looks like

0%
0% covered100%+ covered

What it's actually worth

0%
0% covered100%+ covered
Your real gap, in today's money
Your monthly gap after inflation

You've already started

Every SSS contribution you've made was retirement saving — the habit already exists. What's missing is the plan around it.

Contributions you've already made —
Monthly income that has already secured, for life —

That part is already working, without you lifting a finger. The rest is a decision, and it's a smaller one than it looks.

This is one gap. You have three.

The free calculator shows you how big this hole is. The Financial Checkpoint Tool shows you where you actually stand on Emergency, Retirement, and your Future Fund goals — and exactly what to do first.

Just your email. No name, no phone number, no calculator inputs stored — ever.

Nothing is charged here. The next page shows you exactly what the Checkpoint does and what it costs.