SSS Contribution Calculator 2025-2026

Calculate your monthly SSS contribution based on your salary. Updated with 2025 rates (15% total: 5% employee, 10% employer) and MSC range ₱5,000-₱35,000.

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How SSS Contributions Work in 2025

The Social Security System (SSS) is a government-run social insurance program in the Philippines. Both employees and employers contribute to this fund, which provides benefits like retirement pensions, disability benefits, sickness benefits, and maternity benefits.

2025 Update: As mandated by Republic Act No. 11199 (Social Security Act of 2018), the contribution rate increased to 15% starting January 2025, up from 14% in 2024. The maximum MSC also increased to ₱35,000.

Official SSS Circulars (January 2025)

The SSS issued separate contribution tables for different member types. Download the official tables from the SSS Contribution Table page:

  • Circular 2024-006: Employer & Employee contributions
  • Circular 2024-007: Kasambahay (Household Employer/Employee)
  • Circular 2024-008: Self-Employed members
  • Circular 2024-009: Voluntary members & Non-Working Spouse
  • Circular 2024-010: Land-Based OFWs

2025 SSS Contribution Rate

The total SSS contribution rate is 15% of the Monthly Salary Credit (MSC):

  • Employee share: 5% of MSC
  • Employer share: 10% of MSC

Monthly Salary Credit (MSC) Range

Your contribution is based on your Monthly Salary Credit, not your exact salary. For 2025:

  • Minimum MSC: ₱5,000 (Total contribution: ₱750)
  • Maximum MSC: ₱35,000 (Total contribution: ₱5,250)
For Self-Employed, Voluntary, and OFWs: You pay the full 15% contribution yourself, as there is no employer to share the cost.

SSS Contribution Table 2025

Salary Range MSC Employee (5%) Employer (10%) Total (15%)

MySSS Pension Booster

For members with MSC above ₱20,000, a portion of your contribution goes to the MySSS Pension Booster - a mandatory provident fund that enhances your retirement savings beyond the regular SSS pension.

What Your Contributions Cover

  • Retirement Pension: Monthly income after reaching retirement age (60 or 65)
  • Disability Benefits: Financial support if you become disabled
  • Sickness Benefits: Daily cash allowance when you're unable to work due to illness
  • Maternity Benefits: Daily cash allowance for female members during childbirth
  • Death Benefits: Lump sum or pension for beneficiaries
  • Funeral Benefit: Cash grant to help with funeral expenses
  • Salary Loan: Borrow against your contributions at low interest rates

How to Pay SSS Contributions

Generate a Payment Reference Number (PRN) through the My.SSS portal or SSS Mobile App, then pay via SSS-accredited channels including banks, payment centers, and online banking.

Frequently Asked Questions

What is the SSS contribution rate for 2025?
The SSS contribution rate for 2025 is 15% of your Monthly Salary Credit (MSC). For employed members, this is split between 5% employee share and 10% employer share. Self-employed, voluntary, and OFW members pay the full 15%.
What is the minimum and maximum SSS contribution for 2025?
For 2025, the minimum Monthly Salary Credit (MSC) is ₱5,000 (₱750 total contribution) and the maximum MSC is ₱35,000 (₱5,250 total contribution). Your actual contribution depends on your salary bracket.
How is SSS contribution calculated?
SSS contribution is calculated based on your Monthly Salary Credit (MSC), not your exact salary. Your salary is matched to the nearest MSC bracket, then the 15% rate is applied. For example, if your salary is ₱25,000, your MSC is ₱25,000, and your total contribution is ₱3,750 (employee pays ₱1,250, employer pays ₱2,500).
Do OFWs pay the same SSS contribution rate?
Yes, OFWs pay the same 15% contribution rate. However, since OFWs don't have employers in the Philippines, they pay the full 15% themselves. The minimum MSC for land-based OFWs is ₱8,000 (₱1,200 monthly contribution).

Age-based rules: OFWs under 55 can change their MSC freely within a calendar year. OFWs aged 55 and above are limited to one MSC increase per year, advancing only one salary bracket at a time.
What is the MySSS Pension Booster?
The MySSS Pension Booster is a mandatory provident fund for members with MSC above ₱20,000. A portion of contributions exceeding this threshold goes to the Pension Booster to enhance retirement savings beyond the regular SSS pension.