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:

Nanganak ako January 22 2020 last trabaho ko before nanganak ako 2018 pa,tapos 2023 resume trabaho ko,, may makukuha PABA ako ng maternity kahit na 6years old na anak ko?

Answer from SSS Maternity Calculator Team:

Qualifying Period mo mi Oct 2018 - Sep 2019 dapat may hulog ka atleast 3mos posted contribution jan sa mga month na yan. Pwede mo pa xa ma claim kung may hulog QP mo basta within 10years po.

Question:

EDD KO PO JULY 27, 2026 TAS MALIIT LANG CONTRIBUTION KO POSSIBLE BA MAY MAKUKUHA PA AKONG BENEFITS? HOW MUCH KAYA MAKUKUHA KO? TY

Answer from SSS Maternity Calculator Team:

Eto mi Qualifying Period mo Apr 2025 - Mar 2026 kung may hulog ka jan atleast 3mons posted contribution qualified kapo.

Question:

Edd ko po sa OCT 2026. Last hulog po ko nitong Feb 2026 . Qualified po ba ako sa matben?

Answer from SSS Maternity Calculator Team:

Eto Mi Qualifying Period Jul 2025 - Jun 2026 kung may atleast 3mons posted contribution ka mi qualified ka basta hindi late payment binayaran

Question:

Edd ko po November 2026 pwede pa po ba ako makahabol?

Answer from SSS Maternity Calculator Team:

Kung Old member ka hulugan mo mi yung April May Jun pay mo xa on or before end of this month (current month: June) or pay as early as possible

Question:

Edd ko po is September ang nahulugan ko lang po ay Jan-March 850 then Apr-Jun 750. Pasok po ba ako na makakuha ng benefits?

Answer from SSS Maternity Calculator Team:

Eto mi mga Qualifying Period mo Apr 2025 - Mar 2026,minimum of 3mons posted contribution. as per message pasok ka naman po provided hindi xa late payment binyaran.

Question:

Yung SSS ko po isa lang hulog, pwede ko po ba hulogan yung 3 mpnths na pasok sa qualifying period para makakuha maternity benefits? November 2026 EDD ko po

Answer from SSS Maternity Calculator Team:

Qualifying Period mo mi Jul 2025 - Jun 2026. Kune mahabol mo pa yung April May June generate ka 1 PRN for that quarter pay mo on of before end of June or as early as possible

Question:

Ang EDD ko po ay Dec. 2026 pwede ko pa bang bayaran ang January to June?
May contributionpo ako ng 6 years around 115, 000 nalaman ko lang na buntis ako ay nung may lang at d pa ako naka pag update ng payment natigil ang contribution ko ng 2years. Magagamit ko pa ba ang nakaraang contribution ko?

Answer from SSS Maternity Calculator Team:

Qualifying Period mo mi Jul 2025 - Jun 2026, yan dapat mga months na may hulog mo. Try mo generate 1PRN for April to June pay mo xa on or before end of June or better as early as possible

Question:

Edd ko po December 24. Pwd pa bang maghulog ng April to June 2026?

Answer from SSS Maternity Calculator Team:

Qualifying Period mo mi Jul 2025 - Jun 2026 if makapag generate ka 1prn for April May June pay mo xa on or before end of June or much better as early as possible.

Question:

EDD KO po is February 2027 anong month po dapat KO hulugan? Gusto KO po mghulog at least 3000 per month voluntary po. Since matagal KO na siya Hindi nahulugan for years, at balak KO na xa I continue hanging pagkatapos manganak

Answer from SSS Maternity Calculator Team:

Qualifying Period mo Mi Oct 2025 - Sep 2026 yan dapat mga months na may hulog mo try to generate April to June 1 Quarter Pay mo xa on or before end of July, Then yung July to Sept 1 Quarter 1 PRN pay mo xa on or before end of Sept.

Question:

Edd ko po is sep 9 2026 pero ung last hulog ko sa sss is January 2026 lang qualified ba akong makakuha ng maternity benefits?

Answer from SSS Maternity Calculator Team:

Eto mi Qualifying Period Apr 2025 - Mar 2026 yan dapat mga months na may hulog ka atleast 3mons posted contribution para ma qualify ka.

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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