Monthly Salary
₱
Monthly Salary Credit (MSC)
Your MSCBasis for all contributions—
Regular SSS MSCUp to ₱20,000—
WISP MSCPortion above ₱20,000—
Your Deduction (Employee Share)
Regular SSS4.5% of Regular MSC—
WISP Contribution4.5% of WISP MSC—
Total EE Deduction—
Employer Share
Regular SSS9.5% of Regular MSC—
WISP Contribution9.5% of WISP MSC—
Employees' Compensation (EC)₱10 if MSC ≤ ₱15K · ₱30 if higher—
Total ER Share—
Combined Monthly & Annual
Total Monthly (EE + ER)—
Annual Total—
Tandaan: SSS contribution rate = 14% total (4.5% EE + 9.5% ER) simula 2023. WISP ay para sa retirement savings para sa MSC na higit ₱20,000. Min MSC: ₱5,000 · Max MSC: ₱35,000
Loan Details
₱
Amortization Summary
—
Monthly Amortization
—
Total Interest (10% p.a.)
—
Total Repayment
—
Net Proceeds (after 1% fee)
Eligibility Requirements
1-Month Loan
36 posted monthly contributions; at least 6 in the last 12 months
Up to 1 month MSC
2-Month Loan
72 posted monthly contributions; at least 6 in the last 12 months
Up to 2 months MSC
Age Requirement
Not more than 65 years old; not a pensioner or disability beneficiary
Good Standing
No delinquent SSS loan; employer up-to-date with contributions
Paalala: SSS Salary Loan = 10% per annum interest. Net proceeds = loan amount minus 1% service charge. Aktwal na net depende sa SSS computation mo.
SSS Contribution Table 2025–2026 (Regular)
| Compensation Range | MSC | EE (4.5%) | ER+EC | Total |
|---|
Regular SSS only. WISP contributions apply separately for MSC above ₱20,000. EC: ₱10 (MSC ≤ ₱15K) or ₱30 — employer paid. Self-employed/Voluntary/OFW: pay both EE + ER share yourself.
SSS Benefits Overview
Sickness Benefit
90% of daily salary credit × sick days. Min. 3 days, max. 120 days/year. Need 3 months contribution in 12 months before semester of sickness.
Daily: 90% of (MSC ÷ 30)
Maternity Benefit
105 days (singleton) or 120 days (multiple birth). Solo parent: +15 days. Need 3 months contribution in prior 12 months.
100% of avg daily salary credit × days
Disability Benefit
Monthly pension or lump sum based on degree of disability and credited contributions.
Based on MSC and credited years of service
Retirement Benefit
Age 60 (optional) or 65 (mandatory). Need minimum 120 posted contributions. Monthly pension or lump sum.
Min. ₱2,000/month pension
Death / Funeral Benefit
Monthly pension for primary beneficiaries. Funeral grant for burial expenses.
Funeral grant: ₱20,000 – ₱40,000
Calamity Loan
When NDRRMC declares calamity in your area. 10% interest, 24 months to pay.
Up to 1 month MSC