Cambodia NSSF Pension Scheme & Retirement Calculator
Simulate mandatory monthly pension contributions (2% employee / 2% employer), statutory wage cap thresholds (៛ 1,200,000 ceiling), and projected old-age retirement benefits at age 60 under NSSF regulations (ប.ស.ស.).
🛡️ Employee & Contribution Parameters
Retirement age: 60 years old.
Past completed contribution years.
🛡️ Monthly Contribution & Pension
NSSF / ប.ស.ស.🏛️ NSSF Statutory Scheme Contribution Breakdown (Cambodia)
| Social Security Branch | Employee Share | Employer Share | Insurable Wage Ceiling |
|---|---|---|---|
| Pension Scheme (Phase 1: 2022–2027) | 2.0% (Max ៛24,000) | 2.0% (Max ៛24,000) | ៛ 1,200,000 (~$292.68 USD) |
| Health Care Insurance Scheme | 0% (Free) | 2.6% | ៛ 1,200,000 |
| Occupational Risk / Work Injury | 0% (Free) | 0.8% | ៛ 1,200,000 |
| Total Statutory NSSF Burden | 2.0% (Max ~$5.85) | 5.4% (Max ~$15.80) | 7.4% Combined |
❓ Frequently Asked Questions on NSSF Pension Benefits
What happens if an employee reaches age 60 with only 12 years of contributions? ▼
If an employee reaches age 60 without reaching the 20-year (240 months) vesting minimum, they are not eligible for a monthly lifetime annuity. Instead, they receive an Old-Age Lump-Sum Allowance (reimbursement of all contributions made by both the worker and employer plus interest).
Is NSSF registration mandatory for foreign expat employees? ▼
Yes. All enterprise employees in Cambodia governed by the Labor Law, regardless of nationality or contract type (local or expatriate foreign workers with valid work permits), must be registered with NSSF and have contributions remitted monthly.
Will the contribution rate increase in future years? ▼
Yes. Under Sub-Decree No. 32, contribution rates increase in five-year increments: 4% for the first 5 years (2022–2027), rising to 8% for the next 5 years (4% employee + 4% employer), and reaching 10.75% for subsequent phases.
Does NSSF provide survivor and disability pension benefits? ▼
Yes. In the event of permanent disability before age 60 or death of an active contributor, the NSSF scheme pays a monthly Disability Pension or a Survivors' Pension to the surviving legal spouse and minor dependent children.
How do employees check their accumulated NSSF contribution history? ▼
Workers can download the official 'NSSF Member' mobile application and log in using their unique NSSF Member ID card number and National ID to inspect real-time monthly contribution logs and hospital affiliations.
📊 Royal Government of Cambodia GDT & NSSF Statutory Matrix
| Statutory Component / Legal Deduction Item | Calculated Amount (KHR) |
|---|---|
| Primary Net / Statutory Payable Amount | 0 KHR |
Engr. Muhammad Shahzad
Principal Financial Systems Architect & ASEAN & Kingdom of Cambodia Fiscal Policy Lead
Lead software and systems architect specializing in high-performance browser computing, algorithmic validation, financial models, and zero-telemetry client-side privacy architecture.