SSS Maternity Benefit Calculator 2026

Accurate for delivery and miscarriage cases from 2023 to 2026

Updated May 2026 - Supports delivery, CS, solo parent, miscarriage, and stillbirth cases.

Estimate your SSS maternity benefit in under 30 seconds.

Enter your expected delivery or miscarriage date, member type, and Monthly Salary Credits. This calculator will show your qualifying period, estimated benefit amount, and average daily salary credit.

Tip: Most qualified members receive between ₱40,000 - ₱80,000, depending on their posted contributions.

Includes step-by-step SSS maternity benefit computation, qualifying period explanation, and real examples.

Step 1: Member Type & Maternity Case

Step 2: Enter Expected Due Date Enter Date of Miscarriage (From Medical Certificate)

Semester of Contingency

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Qualifying Period

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Pay at least 3 monthly contributions within this period to qualify.

Step 3: Enter Your MSC or Contribution

Please select your SSS Member Type first. The calculator will then show the correct contribution wording for your category.

Result: Your Estimated SSS Maternity Benefit

₱0

Average Daily Salary Credit ₱0

Need filing steps? Read the full SSS maternity filing guide .

Still Short on Hospital Budget?

Many Filipino parents use a credit card to manage delivery expenses while waiting for SSS maternity benefits.

Apply for a UnionBank Credit Card

After You Calculate: What Happens Next?

Your estimate is not yet the final SSS-approved amount. Final approval still depends on posted contributions, MAT-1/MAT-2 filing, document validation, and bank or employer processing.

Approved but no payment yet?
Read full filing guide
Check qualifying period chart
How computation works

How SSS Maternity Benefit Is Computed

This calculator follows the official SSS formula. For manual computation, examples, and common mistakes, see our guide on how to compute SSS maternity benefits manually .

SSS maternity benefit is computed using your posted contributions, not your current salary. Below is the simplified step-by-step method used by SSS.

Step 1: Identify your highest 6 Monthly Salary Credits (MSC)

SSS considers the six (6) highest Monthly Salary Credits within your twelve (12) month Qualifying Period before your Period of Contiquency which is based on you delivery or miscarriage date.

Step 2: Compute your Average Daily Salary Credit (ADSC)

Your ADSC is calculated using this formula:

Average of 6 highest MSC of the Qualifying Period / 30

This represents your estimated daily salary credit.

Step 3: Multiply by the number of maternity leave days

Your ADSC is multiplied by the applicable maternity leave duration:

  • 105 days - Normal delivery or Cesarean section
  • 120 days - Solo Parent
  • 60 days - Miscarriage or ectopic pregnancy

Step 4: Estimated SSS maternity benefit

The final amount shown is an estimate. Actual benefits are subject to SSS validation of posted contributions and eligibility.

Who Is Qualified for SSS Maternity Benefit?

You may qualify for SSS maternity benefits if you meet all of the following conditions under official SSS rules.

  • You are an SSS member: Employed, self-employed, voluntary, or OFW members may qualify.
  • At least three (3) monthly contributions: You must have paid at least 3 monthly contributions within the 12-month period before your semester of contingency.
  • Proper maternity notification: For employed members, maternity notification must be submitted through the employer before delivery.
  • Within allowable filing period: Claims must be filed within the period allowed by SSS rules.

Qualification and final approval are still subject to SSS verification of contributions and records.

Still Short on Hospital Budget?

Many Filipino parents use a credit card to manage delivery expenses while waiting for SSS maternity benefits.

Apply for a UnionBank Credit Card

SSS Maternity Benefits - Frequently Asked Questions

SSS maternity benefits are cash benefits given to qualified female SSS members during childbirth or miscarriage.

👉 Complete SSS maternity benefits FAQ & computation guide

The amount depends on your salary credits. Some members receive up to ₱70,000-₱80,000.

👉 See full computation and examples

Female SSS members with at least 3 contributions before the semester of delivery may qualify.

👉 Check full eligibility requirements

May Tanong sa SSS Maternity Result Mo?

Ask your question below. Our team reviews questions before they appear publicly. Please do not include your SSS number, phone number, address, SSS number, CRN, birthday, or full private details.

Ask a Question About Your SSS Maternity Result

Your question will be reviewed before appearing publicly.

Do not include your SSS number, phone number, address, birthday, CRN, or full private details.

Real SSS Maternity Questions Answered

Question:

EDD ko poh February 2027, im voluntary member (permanent employee of Provincial government of Guimaras) my contribution was automatically deducted in my monthly salary till last January 2026 i already have requested to add my contribution from 750 to 3000 since were planning to conceive. But then the assigned personnel forgotten the said request. Can i still update my contribution to my requested amount?

Answer from SSS Maternity Calculator Team:

Hi Mi, kung employed ka dapat employed status sa SSS pero sabi nyo po under Government kayo nag wowork baka para sa GSIS po dinideduct nya. If SSS po voluntary category kayo po mag huhulog nyan, and as for SSS po kung planning to conceive palang kayo yes po you can start contribute napo sa SSS if gusto mo mas malaki benefit ma avail sa SSS pwede mo din lakihan contribution mo. Max matben po is 70k from SSS, they calculate the top 6 highest contribution so kung example may 6mons ka na may hulog under qualifying period mo (provided no late payment) na tig 3k per month (based on 2026 MSC) ma kukuha mo yung max matben.

Question:

Pwede ba po ba bayaran ang October to december 2025?

Answer from SSS Maternity Calculator Team:

Hi Mi kung past deadline na dinapo pwede mahabol.

Question:

Hi po sa aking case last ko pa na hulog is 2023 EDD of ko po ay January 2027. Non employed na po ako bali po voluntary nalang.Tapos ng change name na po ako pero wala pa po akong ID ng change name ko okay lang po ba yun. Salamat po

Answer from SSS Maternity Calculator Team:

Hi Mommy, changed Surname to Married Status po ba? if yes PSA Married Certificate po and if wala pa ID try to get Get NBI clearance as proof of other ID po if necessary.Meron din mi postal ID pwede ka kuha nyan para magka ID ka ng under Married status.

Question:

EDD ko po ay by August 2026, may mga hulog naman ako from April 2025 to December 2025 pero di umabot ng 3k since voluntary member ako. This January 2026 to March 2026 more than 3,000 na ang naihulog ko, and pending payment yung 2nd quarter of the year 2026. Possible pa ba makuha yung maximum maternity benefit?

Answer from SSS Maternity Calculator Team:

Hello po dinapo aabot dapat 3k for 6mons para makakuha ka ng max matben (2026 based msc) since Qualifying Period mo is
Apr 2025 - Mar 2026 yan po yung mga month na ika count ni SSS para sa Matben mo. yung April to June po outside QP na hindi na xa kasama sa counting ng Matben based sa EDD mo.

Question:

Edd ko po January 2027,pwede ko bang hulugan ang April hangang june

Answer from SSS Maternity Calculator Team:

Yes po Mi, Qualifying Period mo po Oct 2025 - Sep 2026, kung June ngayon at makapag generate kapa ng PRN for April May June pay mo xa on or before end of june (recommended ko po yan just incase mabago EDD mo to December pasok parin yung April to June contribution mo). Then July to Sept if quarterly payment pay mo xa on or before end of sept. or as early as possible po para sure posted agad.

Question:

EDD ko po December 6,2026 may hulog po ako april,May at June 2026 na ₱3,000 each month. magkano po ma claim ko? Pwede paba ako mag hulog july August and September?

Answer from SSS Maternity Calculator Team:

Kailangan po Mi atleast 3mons posted contribution kung ang EDD mo is December ang QP mo July 2025 to June 2026 yan dapat mga months na may hulog mo.Yung July to Sept. po outside qualifying period na xa hindi xa kasama sa ika count ni SSS for your Matben po based sa EDD mo maliban nalang kung manganak ka ng January 2027 mababago po Qulaifying period mo ma extend xa until September instead of until June if December EDD.

Question:

EDD ko po is December 2026, pwede pa ba akong mag hulog at magiging qualified pa kaya ako ?

Answer from SSS Maternity Calculator Team:

Kung mahabol mo mi yung April to June before end of this month (June) Generate ka 1 PRN from April to June then pay mo xa on or before end of June.

Question:

EDD KO PO OCTOBER 31 2026 PWEDI PABA AKO MAG HULOG ?

Answer from SSS Maternity Calculator Team:

Pwede pa po kung makagenerate ka 1 PRM for April to June isang bayaran po xa, pay mo xa on or before end of june. Wag lang po mapapaaga ang delivery like ma move to Sept kasi mababago ang qualifying period mo pag ganon.

Question:

Last May 2025 pa ang EDD ko pero hindi padin ako nakak pag file ng maternity benifits ko. And qualifying period ko ay Jan-Dec. 2024 . Pwede pa kaya akong mag file ngayon ?

Answer from SSS Maternity Calculator Team:

oo mi pwede kapa po mag file and claim basta mga mga contributions yung qualifying period mo. Hanggang within 10 years po pwede maka claim from the date of your delivery, miscarriage, or emergency termination of pregnancy po.

Question:

Edd ko po is sept 2026 ang nahuhulog ko lang po is 2025 is novand dec tapos 2026 jan to april me makukuha po ba sa maternity

Answer from SSS Maternity Calculator Team:

Basta May hulog mi yung Qualifying Period mo na Apr 2025 - Mar 2026 atleast 3 mons posted contribution po (provided no late payment)

Useful SSS Guides & Calculators

SSS Maternity Benefits Guide
SSS Contribution Calculator
SSS Contribution Rates
SSS Salary Loan Calculator
SSS Salary Loan Guide
SSS Calamity Loan Calculator
SSS Calamity Loan Guide

Preparing for Baby Expenses?

Hospital delivery in the Philippines can easily cost ₱60,000 - ₱200,000 depending on the hospital and type of delivery. Many parents use a credit card to manage these expenses while waiting for their SSS maternity benefits.

Apply for a UnionBank Credit Card
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