SSS Contribution Table for Voluntary and Non-Working Spouses in 2025
Hey there, kabayan! Curious about the SSS Contribution Table for Voluntary and Non-Working Spouses in 2025? Don’t worry I’m here to break it down like a trusted friend would. Whether you’re running a sari-sari store in Quezon City or driving for Grab in Davao, this guide will make it super easy to understand how much you need to pay and why it’s a big deal for your future.
What is SSS and Why Should You Care?
The Social Security System (SSS) is like your financial superhero in the Philippines. It’s a government program that protects you with benefits for retirement, sickness, maternity, disability, and even support for your family if something happens to you. Think of it as a piggy bank you fill up over time—every contribution is like dropping coins in for your future self.
For example, picture Aling Maria, who runs a sari-sari store. She pays her SSS contributions monthly, knowing she’ll have a steady income when she retires. Or imagine Kuya Juan, a Grab driver, who contributes to SSS for peace of mind, ensuring his family is covered. Whether you’re a freelancer, a stay-at-home parent, or an Overseas Filipino Worker (OFW), SSS is your partner in building a secure tomorrow.
Who Are Voluntary and Non Working Spouses?
Not everyone has to pay SSS contributions, but you can choose to join as a voluntary member or non-working spouse to enjoy the same benefits as regular contributors. Here’s who they are:
- Voluntary Members: These are folks like freelancers, entrepreneurs, or former employees who aren’t currently working a formal job but want to keep their SSS benefits active. For instance, if you used to work in an office but now sell online, you can still contribute voluntarily.
- Non-Working Spouses: These are partners of SSS members who don’t have a job or regular income, like a stay-at-home mom or dad. Their contributions are based on 50% of their working spouse’s Monthly Salary Credit (MSC).
Both groups can access awesome SSS benefits, like retirement pensions or maternity benefits, by paying contributions regularly.
The SSS Contribution Table for 2025
The SSS Contribution Table for Voluntary and Non-Working Spouses in 2025 shows how much you need to pay based on your Monthly Salary Credit (MSC), which is like your declared income level. The contribution rate is 15%, and for MSCs above ₱20,000, part of your payment goes to the MySSS Pension Booster, a savings program that grows your retirement fund.
Here’s a simplified version of the table:
| Range of Compensation | Monthly Salary Credit | Total Contribution |
|---|---|---|
| Below ₱5,000 | ₱5,000 | ₱750 |
| ₱5,000 – ₱5,749.99 | ₱5,500 | ₱825 |
| ₱5,750 – ₱6,249.99 | ₱6,000 | ₱900 |
| ₱9,750 – ₱10,249.99 | ₱10,000 | ₱1,500 |
| ₱19,750 – ₱20,249.99 | ₱20,000 | ₱3,000 |
| ₱29,750 – ₱30,249.99 | ₱30,000 | ₱4,500 |
| ₱34,750 and above | ₱35,000 | ₱5,250 |
Note: For MSCs above ₱20,000, the total includes the Mandatory Provident Fund (MPF), which boosts your retirement savings. For the full table, check SSS Official Website.
For non-working spouses, your MSC is typically 50% of your working spouse’s MSC. So, if your spouse’s MSC is ₱20,000, yours would be ₱10,000, and you’d pay ₱1,500 monthly.
Two Analogies to Make It Simple
Let’s make this easier with a couple of analogies:
- Planting Seeds for Your Future: Think of your SSS contributions as planting seeds in a garden. Each monthly payment is like watering those seeds, helping them grow into a big harvest of benefits like retirement pensions or maternity support. The contribution table tells you how much “water” to give based on your income level.
- A Menu at Your Favorite Carinderia: The contribution table is like a menu at a carinderia. Different income levels (like dishes) have different contribution amounts (like prices). Just like you pick a dish that fits your budget, you choose an MSC that matches your income and pay the listed amount.
Three Steps to Calculate Your Contributions
Ready to figure out your SSS contributions? Follow these three easy steps:
- Pick Your Monthly Salary Credit (MSC): Choose an MSC based on your income. For non-working spouses, it’s usually 50% of your working spouse’s MSC. For example, if your spouse’s MSC is ₱20,000, yours is ₱10,000.
- Check the Contribution Table: Find your MSC in the SSS contribution table to see your monthly payment. For an MSC of ₱10,000, you’d pay ₱1,500.
- Pay Regularly: Make your payments on time through channels like GCash, Bayad Center, or SSS branches to stay eligible for benefits. You can pay monthly, quarterly, or even annually.
Comparing Employee vs. Self Employed Contributions
To give you context, let’s compare how contributions work for employees and self-employed members in 2025:
| Monthly Salary Credit | Employee Total Contribution | Self-Employed Total Contribution |
|---|---|---|
| ₱5,000 | ₱750 (Employer ₱500 + Employee ₱250) | ₱750 |
| ₱10,000 | ₱1,500 (Employer ₱1,000 + Employee ₱500) | ₱1,500 |
| ₱20,000 | ₱3,000 (Employer ₱2,000 + Employee ₱1,000) | ₱3,000 |
| ₱30,000 | ₱4,500 (Employer ₱3,000 + Employee ₱1,500) | ₱4,500 |
| ₱35,000 | ₱5,250 (Employer ₱3,500 + Employee ₱1,750) | ₱5,250 |
- Employees: Pay 5% of their MSC, while their employer covers 10%, plus a small Employees’ Compensation (EC) fee (₱10–₱30).
- Self-Employed: Pay the full 15% themselves, just like voluntary and non-working spouses.
- Voluntary/Non-Working Spouses: Also pay the full 15%, with no employer to share the cost.
For MSCs above ₱20,000, both groups contribute to the MySSS Pension Booster, which grows your retirement savings with interest.
Why Contribute to SSS?
Paying into SSS as a voluntary or non-working spouse means you’re building a safety net for yourself and your family. Here’s what you get:
- Retirement Pension: A monthly income when you retire, based on your contributions.
- Sickness Benefits: Cash support if you’re sick and can’t work.
- Maternity Benefits: Up to ₱70,000 for new moms, if you’ve paid at least three monthly contributions in the last 12 months.
- Disability Benefits: Financial help if you can no longer work due to a disability.
- Death Benefits: Support for your family if you pass away.
Plus, contributions above ₱20,000 MSC go to the MySSS Pension Booster, which had a 6.97% return in 2023 and targets 7.2% in 2025, growing your savings faster.
How to Start Contributing
Getting started is easy! Here’s what to do:
- Register: Visit an SSS branch or sign up online at My.SSS to become a voluntary member or register as a non-working spouse.
- Choose Your MSC: Pick an MSC that fits your income or, for non-working spouses, 50% of your spouse’s MSC.
- Pay On Time: Use payment channels like GCash, Maya, Bayad Center, or SSS-accredited banks. Check your contribution status on My.SSS.
If you’ve paid in advance based on older rates, you may need to settle underpayments to keep your MSC level. For example, advance payments at the old minimum MSC of ₱4,000 require an extra ₱190 to match the new minimum of ₱5,000.
Tips to Make the Most of Your Contributions
- Start Early: The sooner you begin, the more benefits you’ll accumulate.
- Pay Consistently: Avoid gaps to maximize your credited years.
- Choose a Higher MSC: If you can afford it, a higher MSC means bigger benefits.
- Join MySSS Pension Booster: For MSCs above ₱20,000, this program boosts your retirement savings.
- Check Your Records: Log into My.SSS to ensure your contributions are recorded correctly.
Let’s Secure Your Future, Kabayan
Contributing to SSS might feel like a small step now, but it’s a giant leap toward financial security for you and your family. Whether you’re Aling Maria stocking shelves or a stay-at-home parent supporting your spouse, every peso you contribute builds a brighter future. So, take charge today—register, pick your MSC, and start paying. Your future self will thank you for it.
Ready to get started? Visit SSS Official Website to register or use the SSS Contribution Calculator to plan your contributions. Let’s secure your kinabukasan together.