How Does My Monthly Contribution Affect My SSS Salary Loan Amount?

If you’re a working Filipino contributing to the Social Security System (SSS), one of the most practical benefits you can access is the SSS Salary Loan. But how much you can borrow depends largely on one thing:

👉 Your monthly SSS contributions.

Let’s break down exactly how your monthly contributions affect the amount you can borrow from SSS.

💡 Key Takeaway:

The higher your Monthly Salary Credit (MSC), the higher your loanable amount.

But it’s not just about how much you pay now—it’s also about how consistent your contributions have been in the past 12 months.

🔍 What Is the Monthly Salary Credit (MSC)?

The Monthly Salary Credit (MSC) is a fixed value assigned by SSS based on your salary bracket. It is not your exact salary, but a standardized value used to compute your benefits, including:

Retirement
Maternity
Disability
Salary Loan

The higher your MSC, the higher your loan and benefits.

Monthly Salary	MSC
₱15,750 – ₱19,749	₱16,000
₱19,750 – ₱24,749	₱20,000 (Max)

🧾 How Monthly Contributions Affect Your Loan

SSS calculates your loanable amount based on the average of the last 12 posted MSCs before your loan month.

Here’s how it works:

Add up your last 12 MSCs (excluding the month of application)
Divide by 12 = Your Average MSC
Multiply by 1 or 2 depending on how many contributions you’ve made

📊 Loanable Amount Based on Contributions:

✅ 36–71 posted contributions = 1-month loan (Average MSC × 1)
✅ 72 or more posted contributions = 2-month loan (Average MSC × 2)

Example:

Your monthly contribution = ₱2,600
Corresponding MSC = ₱20,000
12 months of contributions with no gaps → AMSC = ₱20,000
You have 80 posted contributions → 2-month loan
Loanable amount = ₱20,000 × 2 = ₱40,000

🧮 Try the SSS Loan Calculator

Don’t want to compute manually? Use our tool to estimate how much you can borrow:

👉 SSS Salary Loan Calculator

⚠️ What Lowers Your Loanable Amount?

Even if you’re paying high contributions now, your loan may still be lower than expected if:

You had lower MSCs in the past 12 months
There are months with no contributions (gaps)
Your employer underreports your salary
You recently increased your contributions, but not for the full 12 months

🛠️ How to Maximize Your SSS Salary Loan

To increase your loanable amount:

✅ Make consistent monthly contributions
📈 If you’re self-employed or voluntary, adjust your contribution to a higher MSC
🧾 Monitor your contribution history through your My.SSS account
❌ Avoid gaps in your contribution records
💬 Talk to your HR to ensure correct salary reporting

🧠 Final Thoughts

Your monthly SSS contribution directly determines your Monthly Salary Credit, and that credit is the foundation of your SSS Salary Loan computation. It’s not just about paying more—it’s about paying consistently and accurately.

Want to see what your current MSC qualifies you for?

👉 Try the SSS Salary Loan Calculator now