SSS Salary Loan Calculator

Compute your SSS Salary Loan amount, monthly amortization, interest, and net proceeds instantly.

  • ✔ Shows maximum loanable amount
  • ✔ Calculates monthly amortization
  • ✔ Updated for 2025 - 2026 SSS rules

SSS Salary Loan Calculator

Salary credit must be between ₱5,000 and ₱25,000 in steps of ₱500.
Loan Summary
Interest Rate:
8% per annum
Loan Amount:
₱
Monthly Amortization (24 mos):
₱
Total Payable:
₱
Service Fee (1%):
₱
You Receive Net:
₱
Also expecting a baby?
Your SSS contributions may also qualify you for maternity benefits.
Calculate your SSS maternity benefit here →
SSS Salary Loan Monthly Amortization Table
Month Payment (₱) Interest (₱) Principal (₱) Balance (₱) Missed? Penalty (₱)
Total 0.00 0.00

Which SSS Loan Should You Choose?

Feature SSS Salary Loan SSS Calamity Loan SSS LoanLite
Purpose General personal needs Declared calamity areas Short-term emergency cash
Maximum Amount 1-2 x Monthly Salary Credit Up to ₱20,000 Lower than Salary Loan
Interest Rate 8% per annum 7% per annum Higher effective cost
Repayment Term Up to 24 months 24 months Shorter term
Availability Most active members Only during calamity periods Limited / conditional
Quick guide:
- If you are in a declared calamity area, the SSS Calamity Loan is usually cheaper: Try the SSS Calamity Loan Calculator.
- If you need a bigger amount for general use, the SSS Salary Loan is more suitable.
- If you need small, urgent cash and other loans are unavailable, SSS LoanLite may apply. View the SSS LoanLite Calculator (short-term option; higher cost).
Important: SSS LoanLite has a shorter repayment period and higher effective cost. It should only be used if Salary or Calamity Loans are not available.

SSS Salary Loan - Frequently Asked Questions

The SSS Salary Loan amount depends on your Average Monthly Salary Credit (AMSC) and the number of posted contributions. Eligible members may receive up to one or two months worth of AMSC.

Salary Loan approval usually takes a few working days, depending on employer certification and system processing.

Maternity benefits are processed separately, but unpaid SSS loans may affect other benefit transactions.
View All SSS Salary Loan FAQs →
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