SSS Contribution Calculator (Philippines 2026)
Find your exact monthly SSS contribution. Your total is 15% of your Monthly Salary Credit (MSC) — for employees, 5% from you and 10% from your employer.
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Your SSS Contribution
Enter your salary to see your SSS contribution
Want to see every salary bracket at a glance?
View the full SSS Contribution TableHow your SSS contribution is computed
The 2026 rate is 15% of your Monthly Salary Credit (MSC) — the final step of the increases under the Social Security Act of 2018 (RA 11199). It always works in three steps:
Find your MSC bracket
Your salary is rounded to the nearest ₱500 bracket, between ₱5,000 and ₱35,000. A ₱20,300 salary, for example, sits in the ₱20,500 MSC.
Apply the 15% rate
For employees: 5% is deducted from your pay, 10% is added by your employer. Voluntary, self-employed and OFW members pay the full 15% themselves.
Add the EC fee (employer only)
A small ₱10–₱30 Employees' Compensation fee is paid entirely by your employer — never deducted from you.
Worked example: ₱20,000/month employee
A salary of ₱20,000 lands exactly on the ₱20,000 MSC bracket.
SSS contribution at common salaries (2026)
For employed members. Your monthly deduction is the employee share; the rest is paid by your employer.
| Salary | MSC | You pay | Employer | Total |
|---|---|---|---|---|
| ₱10,000 | ₱10,000 | ₱500 | ₱1,010 | ₱1,510 |
| ₱15,000 | ₱15,000 | ₱750 | ₱1,530 | ₱2,280 |
| ₱20,000 | ₱20,000 | ₱1,000 | ₱2,030 | ₱3,030 |
| ₱25,000 | ₱25,000 | ₱1,250 | ₱2,530 | ₱3,780 |
| ₱30,000 | ₱30,000 | ₱1,500 | ₱3,030 | ₱4,530 |
| ₱35,000 and up | ₱35,000 | ₱1,750 | ₱3,530 | ₱5,280 |
Your share is capped at ₱1,750 — the ₱35,000 MSC is the highest bracket, so earning more than that doesn't raise your SSS deduction. Need every row? See the full SSS contribution table.
Common SSS questions, answered plainly
"Why is my SSS deduction different from my officemate's?"
Because it tracks your MSC bracket, not your exact salary. Once you both reach the ₱35,000 ceiling you pay the same ₱1,750 — but below that, every ₱500 bracket changes the amount.
"Is the employer share deducted from me too?"
No. You only ever pay the 5% employee share. The 10% employer share and the EC fee are paid on top of your salary — that's free money toward your future pension and benefits.
"I'm now freelancing — what changes?"
As a voluntary or self-employed member you shoulder the full 15%. On a ₱20,000 declared income that's ₱3,000/month instead of ₱1,000 — but keeping your contributions going protects your pension eligibility and lets you claim sickness and maternity benefits.
"What is the MPF / WISP portion?"
If your MSC is above ₱20,000, the part of the 15% on the excess goes into your Mandatory Provident Fund — a second retirement savings account funded automatically. It's still your money, just in a different pocket.