SSS Contribution Calculator Philippines 2026
The Social Security System (SSS) is the government-run social insurance program for private sector workers, self-employed individuals, and overseas Filipinos. Your monthly contributions build up a fund that covers you when you need it most, including sickness, maternity, disability, retirement, and death benefits for your dependents. The contribution amount is based on your Monthly Salary Credit (MSC), which is a standardized bracket derived from your actual salary. For employed members, the cost is shared between you and your employer, which means your company is already helping fund your future. Self-employed and voluntary members pay both shares themselves, but the protection they get in return is well worth it. Staying current with your SSS contributions also keeps you eligible for salary loans, which can be a lifeline during financial emergencies.
Calculator
How It Works
- 1
Enter your monthly basic pay to determine which SSS salary bracket applies to you.
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Your Monthly Salary Credit (MSC) is calculated by rounding your salary to the nearest ₱500, with a floor of ₱3,000 and a ceiling of ₱30,000.
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The employee share is 4.5% of the MSC, ranging from ₱135 to ₱1,350 per month.
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The employer share is 9.5% of the MSC, which your company pays on top of your salary.
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Self-employed and OFW members pay both shares, totaling 14% of the MSC.
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Your annual contribution is simply your monthly share multiplied by 12.
Frequently Asked Questions
The Social Security System provides social insurance protection to private sector workers in the Philippines. Contributing regularly qualifies you for retirement pension, sickness benefits, maternity benefits, disability benefits, death and funeral grants, and SSS salary or calamity loans. The longer and more consistently you contribute, the higher your eventual pension will be.