SSS Contribution Calculator Philippines 2025
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 for sickness, maternity, disability, retirement, and death benefits for your dependents. Starting 2025, the total contribution rate is 15% of your Monthly Salary Credit (MSC), up from 14% in 2024. The MSC ceiling also increased to ₱35,000, and the floor moved to ₱5,000. For employed members, the cost is shared with your employer (5% employee, 10% employer). Self-employed and voluntary members pay both shares themselves. Staying current keeps you eligible for salary loans and benefit claims.
Calculator
How It Works
- 1
Enter your monthly basic pay to determine which SSS salary bracket applies to you.
- 2
Your Monthly Salary Credit (MSC) is calculated by rounding your salary to the nearest ₱500, with a floor of ₱5,000 and a ceiling of ₱35,000.
- 3
The employee share is 5% of the MSC, ranging from ₱250 to ₱1,750 per month.
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The employer share is 10% 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 15% 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.