How to Compute Your SSS Contribution

Whether youre an employee, self-employed, OFW, or a voluntary member, understanding how to compute your SSS contribution is essential. Your monthly SSS contribution affects your eligibility and the amount you can receive for benefits like maternity, retirement, sickness, and loans.

In this guide, well walk you through how to compute your SSS contribution based on the latest MSCⓘ). Each table specifies the employee sha?" title="The SSS Contribution Table is the official schedule outlining contribution amounts based on income brackets and Monthly Salary Credits (MSC). Each table specifies the employee sha?">SSS contribution tableⓘ (2025), and help you understand how much you and/or your employer need to pay.

Who Needs to Pay SSS Contributions?

• Employed individuals
• Self-employed members
• Voluntary members
• OFWs (Overseas Filipino Workers)
• Non-working spouses of SSS members

Each category has different rules, but the contribution is mainly based on your Monthly Salary Credit (MSC).

What Is Monthly Salary Credit (MSC)?

The Monthly Salary Credit (MSC) is the basis for computing your monthly SSS contribution. It’s based on your actual income and is grouped into income brackets ranging from 3,000 to 30,000+.

SSS Contribution Rates (as of 2025)

As of 2025, the total contribution rate is 14% of the members MSC, broken down as:

• Employer’s share: 9.5%
• Employee’s share: 4.5%
• Self-employed/voluntary/OFWs: Full 14%

The minimum MSC is 3,000
The maximum MSC is 30,000

For Employed Members

Formula:

javaCopyEditSSS Contribution = Monthly Salary Credit 14%

Shared by:

• Employer: 9.5%
• Employee: 4.5%

Example:

Lets say your monthly salary is 20,000.

Based on the SSS contribution table:

• MSC = 20,000
• Total contribution = 2,800 (20,000 14%)
  • Employer pays: 1,900
  • Employee pays: 900

For Self-Employed and Voluntary Members

You will shoulder the entire 14% contribution, based on your declared income.

Example:

If your declared income is 15,000:

• MSC = 15,000
• Contribution = 2,100 (15,000 14%)

You may declare a higher MSC if you want to increase your benefits.

For OFWs

• The minimum MSC for OFWs is 8,000
• OFWs pay the full 14% based on their declared MSC

Example:

If you declare an MSC of 20,000:

• Contribution = 2,800

For Non-Working Spouse

• Based on 50% of the working spouses monthly income (but not lower than the minimum MSC)
• Pays the full 14% as a voluntary member

How to Know Your MSC?

You can check your MSC bracket using the official SSS contribution table or by asking your employer/HR.

Also, you can log in to My.SSS Portal to see your current contribution and salary credit history.

Why Is It Important to Compute Your SSS Contribution?

• Helps you confirm if your employer is paying the correct amount
• Ensures you qualify for benefits like maternity, pension, loans, and sickness
• Allows you to voluntarily increase your contribution if you want higher benefits

Want to See How Your Contributions Affect Your Maternity Benefit?

Try this free tool to estimate your maternity benefitⓘ:
SSS Maternity Benefits Calculator

Final Thoughts

Computing your SSS contribution doesnt have to be complicated. Once you understand your MSC and the current rate, you can easily track your monthly payments and make sure you’re on the right path to receiving full SSS benefits.

Whether youre employed, self-employed, or an OFW, knowing how your contribution works gives you control and confidence over your future benefits.