SSS Contribution Calculator 2025
Who Should Use the SSS Contribution Calculator?
You’ll benefit from using the calculator if you are:
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Employed and want to verify if your employer is remitting the correct amount
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Self-employed and need to determine your monthly dues
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A Voluntary Member (like a freelancer or non-working spouse) checking your appropriate contribution
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An OFW managing your contributions from abroad
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A New SSS Member trying to plan your monthly budget
How to Calculate Your SSS Monthly Contribution?
To calculate your SSS (Social Security System) monthly contribution for 2025, follow these steps:
- Determine Your Monthly Salary Credit (MSC): Identify your monthly salary and match it to the nearest appropriate bracket in the MSC table. The MSC ranges from a minimum of PHP 5,000 to a maximum of PHP 35,000 as of 2025.
- Apply the Contribution Rate: The total SSS contribution rate for 2025 is 15% of the MSC. For employed individuals, this rate is shared between the employer and the employee:
- Employer’s Share: 10%
- Employee’s Share: 5%
- Calculation Example:
- If your MSC is PHP 20,000, calculate the total contribution as follows:
- Total Contribution: PHP 20,000 * 15% = PHP 3,000
- Employer’s Contribution: PHP 20,000 * 10% = PHP 2,000
- Employee’s Contribution: PHP 20,000 * 5% = PHP 1,000
- If your MSC is PHP 20,000, calculate the total contribution as follows:
For further assistance, you can use an online SSS contribution calculator or consult the official SSS resources.
Benefits of Using the Calculator
Using the SSS Contribution Calculator gives you:
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Clarity on how much you need to pay monthly
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Assurance that you’re contributing the correct amount
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Convenience—no need to manually study tables
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Financial Planning Tools to help prepare for future benefits
Frequently Asked Questions
Is the SSS contribution calculator accurate?
Yes. It uses the latest SSS contribution table, adjusted annually under RA 11199. However, always double-check with the official SSS website for the most updated data.
Can I use the calculator even if I’m an OFW?
Absolutely. The tool allows you to select “OFW” as your membership category and compute accordingly. The minimum MSC for OFWs is currently ₱8,000.
How often do I need to pay my SSS contributions?
Employed: Monthly, deducted by your employer.
Self-employed/Voluntary/OFW: You may pay monthly or quarterly. The deadline is the last day of the month following the applicable month/quarter.
What happens if I pay less than the required amount?
Your payment may not be credited, or it might be applied only as partial contribution. This could affect your eligibility for benefits, so always confirm your exact dues using the calculator.
Can I contribute more than required?
Yes, but only within the allowed MSC limits (₱4,000–₱30,000). If you want to increase your contributions, select a higher MSC when paying.
Your SSS membership is a long-term investment in your future security. Whether you’re planning for retirement, preparing for unforeseen illness, or ensuring maternity benefits, knowing how much to contribute is an important first step. The SSS Contribution Calculator gives you the clarity and confidence you need to stay on track.
By using this tool regularly, you’ll ensure that every peso you contribute counts toward a more secure and supported future.