SSS Maternity Benefit Calculator (Philippines 2026)
Quick answer: your SSS maternity benefit is Average Daily Salary Credit (ADSC) × leave days, where ADSC = total of your 6 highest MSCs ÷ 180. A live birth pays 105 days, so the most you can get is ₱70,000.
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Your Maternity Benefit
Enter your details to estimate your maternity benefit
Your MSC comes from your SSS contributions. Check how much you should be contributing:
SSS Contribution CalculatorSSS maternity benefit computation
The maternity benefit is a daily cash allowance multiplied by your number of leave days. Our step-by-step guide to the maternity computation walks through each part.
Benefit = (Sum of 6 highest MSCs ÷ 180) × number of days
The first part, the sum of your 6 highest Monthly Salary Credits ÷ 180, is your Average Daily Salary Credit (ADSC). The MSC counted for maternity is capped at ₱20,000, so the highest possible ADSC is ₱666.67. Multiplied by 105 days, that is the well-known ₱70,000 maximum.
Number of compensable days
- 105 days: live birth, normal or cesarean (the method no longer changes the count).
- 120 days: live birth for a qualified solo parent (+15 days).
- 60 days: miscarriage or emergency termination of pregnancy.
Maternity benefit by MSC (employed, voluntary and self-employed)
All six contributions are assumed to be at the same MSC. Voluntary and self-employed members pay the full 15% themselves, shown in the second column.
| MSC | Monthly voluntary payment | Daily allowance | Live birth (105 days) | Solo parent (120 days) | Miscarriage (60 days) |
|---|---|---|---|---|---|
| ₱5,000 | ₱750 | ₱166.67 | ₱17,500 | ₱20,000 | ₱10,000 |
| ₱10,000 | ₱1,500 | ₱333.33 | ₱35,000 | ₱40,000 | ₱20,000 |
| ₱15,000 | ₱2,250 | ₱500.00 | ₱52,500 | ₱60,000 | ₱30,000 |
| ₱20,000 | ₱3,000 | ₱666.67 | ₱70,000 | ₱80,000 | ₱40,000 |
| ₱35,000 (counted as ₱20,000) | ₱5,250 | ₱666.67 | ₱70,000 | ₱80,000 | ₱40,000 |
Source: RA 11210 and SSS rules; MSC range and contribution rate from the SSS schedule. Last updated: 2026-10-17.
Worked examples: average, low MSC and voluntary payers
- Employed, MSC ₱20,000: ADSC = (₱20,000 × 6) ÷ 180 = ₱666.67, and ₱666.67 × 105 = ₱70,000.
- Employed, MSC ₱15,000: ADSC = ₱500.00, benefit = ₱52,500.
- Voluntary member paying ₱1,500 a month (MSC ₱10,000): ADSC = ₱333.33, benefit = ₱35,000.
- Same member with only 3 contributions in the window: (₱10,000 × 3) ÷ 180 = ₱166.67 a day, benefit = ₱17,500. Paying more months before the semester starts raises the figure.
- Miscarriage, MSC ₱12,000: ₱400.00 × 60 days = ₱24,000.
Salaries above the cap do not raise the benefit: an employee with an MSC of ₱35,000 is counted at ₱20,000 for maternity.
Semester of contingency: which contributions count
SSS looks at the 12 months immediately before the semester of contingency. The semester is the two consecutive quarters, the last of which is the quarter of your delivery (quarters end in March, June, September and December). You need at least 3 contributions in that 12-month window, and your 6 highest MSCs are picked from it. Only contributions paid before the semester count. Read the full explanation in the maternity qualifying period guide.
| Delivery or miscarriage in | Semester of contingency | Qualifying 12-month window |
|---|---|---|
| Jan - Mar 2026 | Oct 2025 to Mar 2026 | Oct 2024 to Sep 2025 |
| Apr - Jun 2026 | Jan 2026 to Jun 2026 | Jan 2025 to Dec 2025 |
| Jul - Sep 2026 | Apr 2026 to Sep 2026 | Apr 2025 to Mar 2026 |
| Oct - Dec 2026 | Jul 2026 to Dec 2026 | Jul 2025 to Jun 2026 |
Source: SSS maternity benefit rules (RA 11210 IRR). Last updated: 2026-10-17.
Find your window
Miscarriage, solo parent and leave allocation
- Miscarriage or emergency termination: 60 days of benefit at the same daily allowance, with the same 3-contribution rule.
- Solo parent: 120 days instead of 105. At the maximum MSC that is ₱80,000. You must hold a Solo Parent ID or the required certification.
- Allocating days to the father or caregiver: you can pass on up to 7 days of your leave. At the maximum MSC, 7 days are worth ₱4,667 and the rest (₱65,333) stays yours. Use the allocation field above.
- Extra 30 days: a live-birth mother may add 30 days of leave without pay. SSS does not pay these days.
- Salary differential: private employers pay the difference between your full salary and the SSS benefit during the paid leave.
How to claim your maternity benefit
Employed members file through their employer, who advances the benefit and is later reimbursed by SSS. Voluntary, self-employed and separated members file directly with SSS online through My.SSS, submitting the maternity notification and documents such as the child's birth certificate. The step-by-step guide to availing the maternity benefit lists the forms and the order.
What expecting mothers worry about most
"When will I actually receive the money?"
If you're employed, your employer must advance the full benefit within 30 days of filing your maternity application. You don't wait until after delivery. SSS later reimburses your employer.
"I only have a few months of contributions. Do I still qualify?"
You need at least 3 monthly contributions in the 12 months before the semester of your delivery. It's not about how long you've been a member, just those 3 contributions and a filed maternity notification. Fewer than six contributions will lower the amount, as shown above.
"Is this on top of my salary, or instead of it?"
The SSS benefit replaces your salary during leave. Many employers add salary differential to top it up to your full pay. Ask your HR whether your company grants it.
"Can I share leave with the baby's father?"
Yes. You can allocate up to 7 days of your leave to the child's father or a qualified caregiver, on top of his own paternity leave. Use the allocation field in the calculator above.