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.
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)
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Step 3: Enter Your MSC or Contribution
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 CardAfter 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.
SSS Maternity Computation 2026
Want to check if your SSS maternity amount is correct? This guide explains how SSS may compute your benefit using your posted contributions.
The calculator above computes the amount automatically, but the explanation below helps you understand why your result may be ₱35,000, ₱40,000, ₱70,000, or another amount.
How SSS Maternity Benefit Is Computed
This calculator follows the SSS maternity benefit formula and explains how your estimated amount is computed. You can use the result above to check your benefit amount, Average Daily Salary Credit, and qualifying period.
SSS maternity benefit is computed using your posted contributions, not simply your current salary. SSS looks at your Monthly Salary Credits, also called MSC, within your Qualifying Period.
Step 1: Find your Qualifying Period
Your Qualifying Period is the 12-month period before the semester of contingency. The semester of contingency is based on your expected delivery date, delivery date, miscarriage date, or other maternity-related contingency date.
Step 2: Identify your highest 6 Monthly Salary Credits
From the 12 months in your Qualifying Period, SSS considers the six (6) highest Monthly Salary Credits. These are based on your posted SSS contributions.
Step 3: Compute your Average Daily Salary Credit
Your Average Daily Salary Credit, or ADSC, is computed using this formula:
Sum of highest 6 MSC ÷ 180 = Average Daily Salary Credit
Step 4: Multiply by the number of maternity leave days
After getting your ADSC, multiply it by the applicable maternity leave days:
- 105 days - Normal delivery or Cesarean section
- 120 days - Solo parent
- 60 days - Miscarriage, ectopic pregnancy, or similar maternity contingency
Sum of highest 6 MSC ÷ 180 × maternity leave days = Estimated SSS maternity benefit
Example: Why is my SSS maternity benefit only ₱35,000?
If your estimated benefit is around ₱35,000 for 105 days, your computation may look like this:
₱333.33 × 180 = ₱60,000 total MSC
₱60,000 ÷ 6 months = around ₱10,000 average MSC
This means your benefit may have been based on an average MSC of around ₱10,000 for your highest 6 months in the Qualifying Period.
Why your result may be lower than ₱70,000
To get ₱70,000 for 105 days, your highest 6 MSC usually need to average ₱20,000. Example: ₱20,000 × 6 ÷ 180 × 105 = ₱70,000. If your posted contributions are lower, missing, late, or outside the Qualifying Period, your benefit may also be lower.
Need more manual examples? Read the full SSS maternity computation guide .
Important reminder
The final amount shown by this calculator is an estimate. Actual benefits are still subject to SSS validation of your posted contributions, eligibility, member type, and submitted maternity documents.
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 CardSSS Maternity Benefits - Frequently Asked Questions
👉 Complete SSS maternity benefits computation
👉 See full computation and examples
👉 Check full eligibility requirements