How to Compute Your SSS Contribution

Whether you’re 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, we’ll walk you through how to compute your SSS contribution based on the latest 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 member’s 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:

Let’s 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 spouse’s 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 doesn’t 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 you’re employed, self-employed, or an OFW, knowing how your contribution works gives you control and confidence over your future benefits.