Estimate the WISP provident-fund portion of your SSS contributions and project its balance.
Projected WISP balance
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WISP base
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Monthly WISP
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Total contributed
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The retirement account most contributors never notice
If your monthly salary credit with SSS sits above PHP 20,000, a portion of every contribution you make is not buying insurance at all. It is being parked in the WISP, the Worker's Investment and Savings Program, a mandatory provident fund that compounds over your working life and is paid out when you retire. Most members never look at it as a separate pot of money, but it is, and over twenty or thirty years it can grow into a meaningful sum. This calculator isolates that slice and projects where it lands.
The mechanics are narrow on purpose. WISP only applies to the part of your salary credit between PHP 20,000 and the PHP 35,000 ceiling. If your salary credit is PHP 20,000 or below, nothing flows into WISP and the projection is zero. If it is at the ceiling, the maximum possible slice, PHP 15,000, is in play. The combined contribution rate this calculator applies, 15 percent, runs on that slice, so the most anyone can route into WISP is PHP 2,250 a month. That cap is the ceiling on how fast this account can grow, no matter how much you earn beyond PHP 35,000.
How a flat monthly contribution compounds
The projection treats your WISP contribution as a fixed monthly amount paid into an account that earns a steady annual return, compounded monthly. This is the standard future-value-of-an-annuity calculation. The power in it comes from the gap between what you put in and what you take out. Early contributions sit in the account the longest, so they earn the most growth, which is why starting young matters far more than contributing a larger amount late.
Maxing the slice for 20 years at 6 percent
Run the tool's defaults. Your salary credit is at the PHP 35,000 ceiling, so the WISP base is the full PHP 15,000 slice above the floor. At the 15 percent rate this calculator applies, that is PHP 2,250 going in every month. Contribute for 20 years, which is 240 months, and you will have personally put in PHP 540,000. Assuming the account earns 6 percent a year, the projected balance grows to roughly PHP 1.04 million. The difference between the PHP 540,000 contributed and the PHP 1.04 million projected, very nearly PHP 500,000, is investment growth you never had to fund yourself.
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Treat the return as a guess, not a promise
The 6 percent default is a placeholder, not a guaranteed yield. WISP is invested by SSS and its declared earnings move with markets and policy, so some years will run higher and some lower. Slide the assumed-return field up and down and watch how violently the final balance reacts over a long horizon. A swing from 5 percent to 7 percent on a 20-year run changes the answer by hundreds of thousands of pesos. That sensitivity is the honest lesson of any long-term compounding tool: small changes in the rate dominate the outcome, so do not anchor on a single optimistic number.
Worth knowing too: WISP is separate from the regular SS pension. It does not replace your monthly pension, it sits on top of it as a lump sum or pension option at retirement. The rate, the salary-credit ceiling, and the way earnings are credited are all set by the SSS and revised periodically, so verify the current rules with the SSS rather than treating the figures modelled here as fixed law.
What happens to WISP if I stop contributing early?
The balance you have already built stays invested and continues to earn, but no new contributions are added, so the final amount will be far smaller than a full-career projection. WISP is generally claimable at retirement, total disability, or death, with options to take it as a lump sum or convert it. Because it is a provident fund rather than a pure pension, the money is genuinely yours and is not forfeited by stopping.
Can I add extra money to WISP to grow it faster?
The mandatory WISP slice is fixed by your salary credit, so you cannot simply top it up. SSS does run a separate voluntary WISP Plus program for members who want to save more on their own terms. If your goal is to push past the PHP 2,250 monthly cap modelled here, that voluntary track, or a PERA account, is the route to look at rather than the mandatory WISP this tool projects.