How to use the contribution calculator
- Enter your monthly basic salary (or total monthly compensation for SSS purposes).
- Press Calculate. You will see the employee share, employer share and total for SSS, PhilHealth and Pag-IBIG.
- Use the employee total to estimate your payslip deductions, or open the net take-home pay calculator to include withholding tax.
2026 contribution rates used
| Agency | Total rate | Employee | Employer |
|---|---|---|---|
| SSS | 15% of Monthly Salary Credit (₱5,000–₱35,000) | 5% | 10% (+ EC) |
| PhilHealth | 5% of basic salary (₱10,000 floor, ₱100,000 ceiling) | 2.5% | 2.5% |
| Pag-IBIG | 4% on up to ₱10,000 compensation | 2% (1% if ≤ ₱1,500) | 2% |
The SSS Monthly Salary Credit (MSC) is your compensation rounded into ₱500 brackets. Portions of the MSC above ₱20,000 go to the Mandatory Provident Fund (WISP), which is still part of your 15% contribution. Employers also pay the Employees' Compensation (EC) premium of ₱10 or ₱30. Read the full SSS contribution table 2026 guide.
Peso examples
- ₱15,000 salary: SSS ₱750, PhilHealth ₱375, Pag-IBIG ₱200 → employee total ₱1,325.
- ₱25,000 salary: SSS ₱1,250, PhilHealth ₱625, Pag-IBIG ₱200 → ₱2,075.
- ₱40,000 salary: SSS capped at ₱35,000 MSC → ₱1,750; PhilHealth ₱1,000; Pag-IBIG ₱200 → ₱2,950.
- ₱120,000 salary: SSS ₱1,750; PhilHealth capped at ₱100,000 → ₱2,500; Pag-IBIG ₱200 → ₱4,450.
Voluntary, self-employed and OFW members
Self-employed, voluntary and OFW members pay both shares themselves. For SSS, they pay the full 15% of their chosen MSC (OFWs have a minimum MSC of ₱8,000). For PhilHealth, direct contributors pay the full 5% of declared income. For Pag-IBIG, voluntary members can save more than the mandatory amount, and anyone can open MP2 savings for higher dividends. Paying on time matters: SSS loans, maternity and sickness benefits, and Pag-IBIG housing loans all require a minimum number of posted contributions.
How to check your posted contributions
Log in to My.SSS or the SSS Mobile App, the PhilHealth Member Portal, and Virtual Pag-IBIG to confirm that your employer remits what is deducted from your pay. If deductions appear on your payslip but not in your records, raise it with HR first, then with the agency.
Official sources
Why the employer share matters to you
Your payslip shows only the employee share, but the employer pays more on top — about 10% for SSS and 2.5% for PhilHealth. These contributions build your future benefits: SSS retirement pension, sickness and maternity benefits, salary and calamity loans; PhilHealth hospitalization coverage under Konsulta and case rates; and Pag-IBIG savings, dividends, multi-purpose loans and housing loans. Higher posted contributions mean a higher SSS monthly salary credit average, which directly increases your future pension. If you move to freelancing, continue paying as a self-employed or voluntary member so your records have no gaps.
Last updated: October 30, 2026