SSS Contribution Calculator

How SSS contributions work

The Social Security System (SSS) collects a monthly contribution from private-sector employees and their employers. Your contribution isn't a flat percentage of your exact salary — it's based on your Monthly Salary Credit (MSC), which is your salary snapped to a fixed bracket (in ₱500 steps) between a floor of ₱5,000 and a ceiling of ₱35,000.

The 2026 rates

Under the 2026 schedule the total contribution rate is 15% of the MSC, split between you and your employer:

• Employee share: 5% of the MSC — this is what's deducted from your salary.
• Employer share: 10% of the MSC, plus a small Employee Compensation (EC) contribution of ₱10 or ₱30.

So if your salary puts you at the maximum ₱35,000 credit, your employee share is ₱1,750 a month. Contributions above the ₱20,000 credit also go partly into the mandatory provident fund (WISP), but your 5% share is unchanged.

Why the salary credit matters

Because contributions are bracketed, two people earning slightly different salaries can pay the same amount, and a small raise might bump you into the next ₱500 bracket. Your MSC also determines your future benefits — sickness, maternity, retirement, and loans are all computed from it, so a higher credit means higher benefits.

This is an estimate

SSS periodically updates its contribution table and rate. The figures here follow the 2026 schedule and snap your salary to the nearest credit bracket. For the exact centavo amount — and the precise range boundaries — check the official SSS contribution table or your payslip.

FAQ

Is the contribution deducted twice a month?

The monthly amount is often split across two paydays, but the total for the month is what's shown here.

What if I'm self-employed or voluntary?

Self-employed and voluntary members pay the full contribution themselves (there's no employer share), based on their declared MSC.

What is the Monthly Salary Credit (MSC)?

The MSC is your salary snapped to a fixed bracket, in ₱500 steps, rather than your exact pay. It sits between a floor of ₱5,000 and a ceiling of ₱35,000 under the current schedule, and both your contribution and your future benefits are computed from it. This is an estimate, so check the official SSS table for exact boundaries.

What is WISP?

WISP is the mandatory provident fund savings program. For members whose salary credit exceeds ₱20,000, part of the contribution is channeled into WISP on top of the regular fund, though your 5% employee share itself is unchanged.

Why might a small raise increase my contribution?

Because contributions are bracketed in ₱500 steps, a small raise can push your salary into the next MSC bracket, nudging the contribution up. Two people with slightly different salaries can also land in the same bracket and pay the same amount.

Is this calculator free, and is my data private?

Yes, it is completely free with no sign-up, and all calculations run in your browser so your salary is never uploaded. It works on phones and desktops. The figures follow the 2026 schedule and are an estimate, so confirm the exact amount with the official SSS table or your payslip.