SSS Contribution Calculator 2026–2027 (Philippines)
The Social Security System (SSS) in the Philippines ensures financial security for employees, self-employed individuals, and voluntary members. The contribution rate for 2026 remains at 15% of the monthly salary credit, with employers covering 10% while employees pay the remaining 5%. However, self-employed individuals, overseas Filipino workers (OFWs), voluntary members, and non-working spouses must shoulder the full 15% contribution.
SSS Contribution Calculator
Enter your monthly salary to see your exact SSS deduction, employer share, EC fee, and WISP/MPF allocation.
Based on the SSS contribution schedule under RA 11199 (15% total rate, MSC ₱5,000–₱35,000). For official figures, consult the latest SSS circular.
To simplify the process, an SSS contribution calculator helps users determine their required monthly payment based on their income and employment type. The tool provides an accurate breakdown using the latest contribution tables, which are regularly updated to reflect any policy changes. Understanding these calculations is essential for both employees and employers to ensure compliance and financial preparedness.
The SSS plays a critical role in supporting Filipinos through benefits such as retirement, disability, sickness, maternity, and death assistance. In 2023, the system’s revenue grew to PHP 362.20 billion, surpassing its PHP 330.80 billion target by 9.5%. Additionally, from January to November 2022, SSS disbursed PHP 236.3 billion in benefits, marking a 13.2% increase compared to the previous year’s PHP 208.8 billion.
All businesses and employers in the Philippines are mandated to contribute to SSS on behalf of their employees. Regardless of employment status, all workers must participate in the system, making it essential to understand how contributions are calculated. With the right knowledge, individuals and businesses can plan their finances effectively while ensuring compliance with SSS regulations.
SSS Online Registration
Steps:
- Visit SSS.gov.ph, click “Member Registration” under e-Services, fill out the SS Number Generation Form, and upload a valid government ID.
- Receive your SS Number via email/SMS within 3 working days.
Activation & Use:
- Activate your account by presenting original IDs at an SSS branch or through your employer.
- Use your SS Number to access the My.SSS Portal for contributions, loans, and benefits.
Key Notes
Free registration for employed, self-employed, or voluntary members.
SS Number is lifelong—keep it secure for all SSS transactions.
For issues: Contact SSS Hotline (02) 8920-6401 or visit a branch.
SSS Member Login
Access Portal:
- Visit the My.SSS Portal, enter your SS Number/username, password, and solve the CAPTCHA to log in.
Key Features:
- First time users must register using their SS Number (obtained via SSS online registration).
- Reset forgotten passwords via the “Forgot Password” link, using your registered email/SMS.
Important Notes:
Use a secure password; avoid sharing login details.
Access contributions, loans, benefits, and claims after logging in.
What is the SSS Contribution Calculator?
The SSS Contribution Calculator is an online tool designed to help individuals compute their required monthly SSS contributions based on their income and membership category. It eliminates the need for manual calculations and ensures accuracy.
Who Can Use It?
- Employees under private companies
- Self-employed individuals
- Voluntary members
- Non-working spouses
- Overseas Filipino Workers (OFWs)
Benefits of Using an SSS Contribution Calculator
Using an online calculator saves time and ensures that your contributions are correctly computed. Here are the key benefits:
- Quick and accurate computation – Avoid errors in computing monthly contributions manually.
- Helps in financial planning – Allows users to estimate their future SSS benefits based on contributions.
- Ensures compliance with SSS policies – Helps you meet the required contributions to qualify for benefits like loans, pensions, and disability benefits.
Who Needs to Pay SSS Contributions?
The following individuals are required or eligible to pay SSS contributions:
- Employees under private companies – Contributions are deducted from salaries and shared with employers.
- Self-employed individuals – Business owners, freelancers, and professionals who earn income independently.
- Voluntary members and non-working spouses – Those who opt to continue their SSS contributions for future benefits.
- Overseas Filipino Workers (OFWs) – OFWs can contribute voluntarily to remain eligible for benefits.
SSS Contribution Table 2026–2027
Last reviewed: October 2026. The 2026 schedule keeps the final RA 11199 rate of 15% of your Monthly Salary Credit (MSC): 5% employee and 10% employer, plus an Employees’ Compensation (EC) fee paid by the employer (₱10 if MSC is below ₱15,000, ₱30 if ₱15,000 and up). MSC runs from ₱5,000 to ₱35,000 in ₱500 steps. The part of your MSC above ₱20,000 goes to your WISP / Mandatory Provident Fund (MPF) savings account.
1. Employed Members (Employee + Employer Share)
| Monthly Salary | MSC | Employee Share | Employer Share | Total Remittance |
|---|---|---|---|---|
| Below ₱5,250 | ₱5,000 | ₱250 | ₱500 + ₱10 EC | ₱760 |
| ₱9,750 – ₱10,249.99 | ₱10,000 | ₱500 | ₱1,000 + ₱10 EC | ₱1,510 |
| ₱14,750 – ₱15,249.99 | ₱15,000 | ₱750 | ₱1,500 + ₱30 EC | ₱2,280 |
| ₱19,750 – ₱20,249.99 | ₱20,000 | ₱1,000 | ₱2,000 + ₱30 EC | ₱3,030 |
| ₱24,750 – ₱25,249.99 | ₱25,000 | ₱1,250 | ₱2,500 + ₱30 EC | ₱3,780 |
| ₱29,750 – ₱30,249.99 | ₱30,000 | ₱1,500 | ₱3,000 + ₱30 EC | ₱4,530 |
| ₱34,750 and above | ₱35,000 | ₱1,750 | ₱3,500 + ₱30 EC | ₱5,280 |
Need your exact bracket? Enter your salary in the calculator above, or open a ready-made breakdown such as SSS contribution for ₱20,000 salary or ₱25,000 salary.
2. Self-Employed, Voluntary, Non-Working Spouse & OFW Contribution 2026
Self-employed, voluntary members, non-working spouses and OFWs pay the full 15% themselves because there is no employer counterpart. OFWs have a higher minimum MSC of ₱8,000.
| Chosen MSC | Rate | Monthly Contribution |
|---|---|---|
| ₱5,000 (minimum, SE / voluntary) | 15% | ₱750 |
| ₱8,000 (minimum for OFWs) | 15% | ₱1,200 |
| ₱10,000 | 15% | ₱1,500 |
| ₱20,000 | 15% | ₱3,000 |
| ₱25,000 | 15% | ₱3,750 |
| ₱35,000 (maximum) | 15% | ₱5,250 |
Paying through the SSS app, My.SSS or a Bayad Center? You will need a Payment Reference Number first. Generate one with our SSS PRN generator guide.
SSS Contribution 2027: Will Rates Increase?
No increase is expected. In February 2026, SSS President and CEO Robert Joseph de Claro said SSS will not raise member contributions through 2027, and Finance Secretary Frederick Go, who chairs the Social Security Commission, said a contribution increase is not on the agenda. The 15% rate, the ₱5,000–₱35,000 MSC range and the EC amounts above are therefore expected to stay the same in 2027. Under the law, Congress is expected to review the rate again around 2029. We will update this calculator as soon as SSS issues an official 2027 circular.
How to Compute Your SSS Contribution Manually
- Find your MSC: round your monthly salary to the nearest ₱500 bracket (minimum ₱5,000, maximum ₱35,000).
- Employee share = MSC × 5%.
- Employer share = MSC × 10%, plus EC of ₱10 (MSC below ₱15,000) or ₱30 (MSC ₱15,000+).
- Self-employed / voluntary / OFW = MSC × 15% (no EC).
Example: A ₱22,300 salary falls in the ₱22,250 – ₱22,749.99 bracket, so MSC = ₱22,500. Employee pays ₱1,125, employer pays ₱2,250 + ₱30 EC, total remittance ₱3,405. Of the ₱3,375 contribution, the share on the ₱2,500 above ₱20,000 (₱375) goes to your MPF account.
How to Use the SSS Contribution Calculator?
Follow these simple steps to compute your contribution:
- Select your membership type – Employee, Self-Employed, Voluntary, or OFW.
- Enter your monthly salary or income – This determines your Monthly Salary Credit (MSC).
- Click on Calculate – The system will generate your total monthly contribution.
- Review the breakdown – Check employer/employee share (if applicable).
Example Calculation:
If your salary is PHP 20,000 as an employee, your contribution breakdown is:
- Monthly Salary Credit: ₱20,000
- Employer Share: ₱2,000 + ₱30 EC = ₱2,030
- Employee Share (salary deduction): ₱1,000
- Total Monthly Remittance: ₱3,030
Important Reminders When Calculating SSS Contributions
- Monthly Salary Credit (MSC) Limits – Contributions are based on MSC, which has a maximum limit.
- Effect of Salary Increases on Contributions – Higher salaries result in increased contributions.
- Late or Missed Payments – Missing contributions may affect future SSS benefits.
Social Security System Philippines Contact Number
The Philippine Social Security System (SSS) can be reached via its main hotline at (02) 8920-6401 or toll-free at 1-800-10-2255777, while international callers may dial +63-2-8478-8777. For Globe/TM subscribers, the shortline 1455 offers nationwide assistance.
Additional contact options include the official website (sss.gov.ph), email addresses for member and employer inquiries, and social media platforms like Facebook and Twitter. SSS offices operate Monday to Friday, 8:00 AM–5:00 PM, with details subject to verification through official channels.
Hotline SSS
Main Hotline: (02) 8920-6401 (Metro Manila/provinces) or toll-free 1-800-10-2255777 (landline).
Frequently Asked Questions (FAQs)