SSS Maternity Benefit Calculator 2026

Accurate for delivery and miscarriage cases from 2023 to 2026

Updated August 2026 - Supports delivery, CS, solo parent, miscarriage, and stillbirth cases.

Updated August 2026 — Supports normal delivery, cesarean delivery, qualified solo parent, miscarriage, and stillbirth cases.

Estimate your SSS maternity benefit in under 30 seconds.

Enter your expected delivery or miscarriage date, member type, and Monthly Salary Credits. This calculator will show your qualifying period, estimated benefit amount, and average daily salary credit.

Estimated benefit: Your amount depends on your six highest Monthly Salary Credits and maternity case. The maximum is up to ₱70,000 for 105 days, ₱80,000 for a qualified solo parent, or ₱40,000 for a 60-day miscarriage or ETP claim.

Includes step-by-step SSS maternity benefit computation, qualifying period explanation, and real examples.

Step 1: Member Type & Maternity Case

Step 2: Enter Expected Due Date Enter Date of Miscarriage (From Medical Certificate)

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Pay at least 3 monthly contributions within the Qualifying Period to qualify.

Step 3: Enter Your MSC or Contribution

Please select your SSS Member Type first. The calculator will then show the correct contribution wording for your category.

Result: Your Estimated SSS Maternity Benefit

₱0

Average Daily Salary Credit ₱0

Need filing steps? Read the full SSS maternity filing guide .

Still Short on Hospital Budget?

Many Filipino parents use a credit card to manage delivery expenses while waiting for SSS maternity benefits.

Apply for a UnionBank Credit Card

After You Calculate: What Happens Next?

Your estimate is not yet the final SSS-approved amount. Final approval still depends on posted contributions, MAT-1/MAT-2 filing, document validation, and bank or employer processing.

Approved but no payment yet?
Read full filing guide
Check qualifying period chart
How computation works

SSS Maternity Computation 2026

Want to check if your SSS maternity amount is correct? This guide explains how SSS may compute your benefit using your posted contributions.

The calculator above computes the amount automatically, but the explanation below helps you understand why your result may be ₱35,000, ₱40,000, ₱70,000, or another amount.

How SSS Maternity Benefit Is Computed

This calculator follows the SSS maternity benefit formula and explains how your estimated amount is computed. You can use the result above to check your benefit amount, Average Daily Salary Credit, and qualifying period.

SSS maternity benefit is computed using your posted contributions, not simply your current salary. SSS looks at your Monthly Salary Credits, also called MSC, within your Qualifying Period.

Step 1: Find your Qualifying Period

Your Qualifying Period is the 12-month period before the semester of contingency. The semester of contingency is based on your expected delivery date, delivery date, miscarriage date, or other maternity-related contingency date.

Step 2: Identify your highest 6 Monthly Salary Credits

From the 12 months in your Qualifying Period, SSS considers the six (6) highest Monthly Salary Credits. These are based on your posted SSS contributions.

Step 3: Compute your Average Daily Salary Credit

Your Average Daily Salary Credit, or ADSC, is computed using this formula:

Formula:
Sum of highest 6 MSC ÷ 180 = Average Daily Salary Credit

Step 4: Multiply by the number of maternity leave days

After getting your ADSC, multiply it by the applicable maternity leave days:

  • 105 days - Normal delivery or Cesarean section
  • 120 days - Solo parent
  • 60 days - Miscarriage, ectopic pregnancy, or similar maternity contingency
Final formula:
Sum of highest 6 MSC ÷ 180 × maternity leave days = Estimated SSS maternity benefit

Example: Why is my SSS maternity benefit only ₱35,000?

If your estimated benefit is around ₱35,000 for 105 days, your computation may look like this:

₱35,000 ÷ 105 days = ₱333.33 ADSC
₱333.33 × 180 = ₱60,000 total MSC
₱60,000 ÷ 6 months = around ₱10,000 average MSC

This means your benefit may have been based on an average MSC of around ₱10,000 for your highest 6 months in the Qualifying Period.

Why your result may be lower than ₱70,000

To get ₱70,000 for 105 days, your highest 6 MSC usually need to average ₱20,000. Example: ₱20,000 × 6 ÷ 180 × 105 = ₱70,000. If your posted contributions are lower, missing, late, or outside the Qualifying Period, your benefit may also be lower.

Need more manual examples? Read the full SSS maternity computation guide .

Important reminder

The final amount shown by this calculator is an estimate. Actual benefits are still subject to SSS validation of your posted contributions, eligibility, member type, and submitted maternity documents.

Who Is Qualified for SSS Maternity Benefit?

You may qualify for SSS maternity benefits if you meet all of the following conditions under official SSS rules.

  • You are an SSS member: Employed, self-employed, voluntary, or OFW members may qualify.
  • At least three (3) monthly contributions: You must have paid at least 3 monthly contributions within the 12-month period before your semester of contingency.
  • Proper maternity notification: For employed members, maternity notification must be submitted through the employer before delivery.
  • Within allowable filing period: Claims must be filed within the period allowed by SSS rules.

Qualification and final approval are still subject to SSS verification of contributions and records.

Still Short on Hospital Budget?

Many Filipino parents use a credit card to manage delivery expenses while waiting for SSS maternity benefits.

Apply for a UnionBank Credit Card

SSS Maternity Benefits - Frequently Asked Questions

SSS maternity benefits are cash benefits given to qualified female SSS members during childbirth or miscarriage.

👉 Complete SSS maternity benefits computation

The amount depends on your salary credits. Some members receive up to ₱70,000-₱80,000.

👉 See full computation and examples

Female SSS members with at least 3 contributions before the semester of delivery may qualify.

👉 Check full eligibility requirements

May Tanong sa SSS Maternity Result Mo?

Ask your question below. Our team reviews questions before they appear publicly. Please do not include your SSS number, phone number, address, CRN, birthday, or full private details.

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Latest SSS Maternity Questions

See All Questions
EmployeeQualifying Period
Question from Beth · Asked Aug 13, 2026

End ko feb 2027 start ko ng work January 2023

Answer from SSS Maternity Calculator Team:Answered Aug 13, 2026

Hi mommy 😊 For EDD February 2027, ang 12-month qualifying period mo ay October 2025–September 2026. Kailangan ng at least 3 monthly contributions within this period para maka-qualify sa SSS maternity benefit.

Since January 2023 ka pa employed, mataas ang chance na qualified ka na kung regular na nire-remit at posted ng employer mo ang SSS contributions. Check mo sa My.SSS kung may posted contributions ka from October 2025 to September 2026.

Last QP month: September 2026. Since Employee member ka, employer ang responsible sa tamang remittance ng contributions.

👉 Calculator: https://sssmaternitybenefitscalculator.com/

🎥 February 2027 EDD guide:
https://youtu.be/FvI2gVRmKEM?si=ejIDbagMWfc4NPn0

Check your EDD, member type, months & deadlines
Your February 2027 EDD and Employee member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
Self-EmployedQualifying Period
Question from Merocel · Asked Aug 13, 2026

EDD ko august 22,2026,may nahulog ako January to April 2026,pero yong march nahulog sa April

Answer from SSS Maternity Calculator Team:Answered Aug 13, 2026

Hi mommy 😊 For EDD August 22, 2026, ang 12-month qualifying period mo ay April 2025–March 2026. Kailangan ng at least 3 qualifying monthly contributions within that period.

Sa sinabi mong hulog:

January 2026 ✅
February 2026 ✅
March 2026 ✅ qualifying month
April 2026 ❌ — nasa Semester of Contingency na, kaya hindi na kasama sa computation.

Ang importanteng part ay yung March na nahulog noong April:

Kung Employee member ka: kung naka-post siya sa My.SSS bilang March 2026 contribution at employer ang nag-remit noong April, normal na ang employer deadline ay following month. I-check po na March talaga ang applicable month na naka-post.
Kung Voluntary/Self-Employed/NWS ka: mas critical po ang actual payment date dahil contributions paid within or after the Semester of Contingency may not be considered for maternity qualification.

So kung Employee ka at properly posted ang Jan, Feb at March, may 3 qualifying contributions ka na at possible kang maka-qualify, mommy. ✅

👉 You can check your exact computation here:
https://sssmaternitybenefitscalculator.com/

Check your EDD, member type, months & deadlines
Your August 2026 EDD and Self-Employed member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
VoluntaryQualifying Period
Question from Lor · Asked Aug 13, 2026

Edd ko po April 2027 eligible pa ba ako ? Nakaka tanggap pa po ba ako Ng maternity benefit?

Answer from SSS Maternity Calculator Team:Answered Aug 13, 2026

Hi mommy 😊 Yes po, possible pa kayong maging eligible for SSS maternity benefit with EDD April 2027.

Ang 12-month qualifying period ninyo ay January–December 2026. Kailangan po ng at least 3 monthly contributions within this period para maka-qualify.

Since August 2026 pa ngayon, may qualifying months pa kayong natitira. Important lang na ang contributions na gagamitin ay hindi mabayaran on or after January 2027, dahil January–June 2027 na ang Semester of Contingency.

So halimbawa, kung may valid contributions kayo for September, October, November, and December 2026, puwede po kayong maka-qualify as long as properly paid within the allowed period.

👉 Check your exact qualifying months here:
https://sssmaternitybenefitscalculator.com/sss-maternity-qualifying-period/

🎥 April 2027 EDD guide:
https://youtu.be/CC5tF-b0K40?si=47HvGO2y4FFDmEmh

Check your EDD, member type, months & deadlines
Your April 2027 EDD and Voluntary member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
Question from Happy · Asked Aug 13, 2026

Good day SSS, nag resign na ako sa work ko noong May 2026. Right now unemployed ako pero naka employed po ang status ng SSS ko. Nakapag file na po ako ng MAT-1. Question ko po is magkakaproblem ba ako sa filing ng MAT-2 ko kasi gusto ko sana direct madisburse sa DAEM ko yung pera na hindi na po kelangan dumaan sa previous employer ko. Pwede ko po bang baguhin yung status ko by paying as voluntary? Thank you

Answer from SSS Maternity Calculator Team:Answered Aug 13, 2026

Hi mommy 😊 Yes po, puwede ninyong i-change from Employee to Voluntary since resigned na kayo noong May 2026. Hindi kailangan ng separate form or supporting document para mag-change: kapag gumawa kayo ng PRN sa My.SSS, piliin ang “Voluntary Member” as membership type. Once paid, automatically magbabago ang membership status ninyo to Voluntary.

Hindi rin po ibig sabihin na kailangan dumaan sa previous employer ang maternity benefit ninyo. Since separated from employment na kayo, ang maternity claim/MBA ay puwedeng i-file as an individual member, at SSS ang direktang magbabayad sa approved DAEM account ninyo once approved.

Since nakapag-file na kayo ng MAT-1/Maternity Notification, okay po iyon. Sa benefit filing after delivery, make sure na active at approved ang personal DAEM account ninyo.

⚠️ One important requirement, mommy: kung ang delivery/miscarriage ay within 6 months mula sa May 2026 separation, SSS may require a Certificate of Separation from Employment showing the effective separation date and stating that no maternity benefit advance payment was received from the previous employer.

So yes po: you can switch to Voluntary and have SSS pay the maternity benefit directly to your DAEM, subject to your qualification and required documents.

Question from Ache · Asked Aug 13, 2026

EDD ko po is march 2027, what are my qualifying months and monthly contributions to get 70000

Answer from SSS Maternity Calculator Team:Answered Aug 13, 2026

Hi mommy 😊 For EDD March 2027, ang 12-month qualifying period mo ay October 2025 to September 2026. SSS requires at least 3 monthly contributions within this period, and for the maximum ₱70,000 maternity benefit (105 days), kailangan ang 6 highest MSC months mo ay ₱20,000 each.

So ideally, within October 2025–September 2026, mayroon kang at least 6 months na ₱20,000 MSC:

₱20,000 × 6 months = ₱120,000 total MSC
₱120,000 ÷ 180 = ₱666.67/day
₱666.67 × 105 days = ₱70,000 maternity benefit.

If Voluntary/Self-Employed, ang ₱20,000 MSC corresponds to about ₱3,000 regular SSS contribution per month under the 15% contribution rate. If Employee, hindi po kayo basta pipili ng hulog—the contribution is based on your actual monthly compensation and remitted by your employer.

⚠️ Important mommy: September 2026 ang last qualifying month mo. Your Semester of Contingency starts October 2026, and SSS says contributions paid within or after the semester of contingency are not considered in the maternity computation.

So para maabot ang ₱70,000, hindi sapat na magkaroon lang ng 3 contributions—you need 6 qualifying months at the ₱20,000 MSC level.

🎥 May guide din tayo specifically for March 2027 EDD:
https://youtu.be/Wk5uDmaHl4g?si=CWFjXwU72xBWm_fW

View All SSS Maternity Questions

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