SSS Maternity Benefit Calculator 2026

Supports delivery and miscarriage cases from 2020 onward

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

Updated August 2026 — Supports normal delivery, cesarean delivery, qualified 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.

Estimated benefit: Your amount depends on your six highest Monthly Salary Credits and maternity case. The maximum is up to ₱70,000 for 105 days, ₱80,000 for a qualified solo parent, or ₱40,000 for a 60-day miscarriage or ETP claim.

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)

Your exact date is used only to estimate maternity-leave dates.

-

-

Pay at least 3 monthly contributions within the Qualifying Period to qualify.

Maternity Leave

Your Suggested Maternity Leave Start

For planning, this calculator uses 15 days before your EDD as the suggested leave start.

105 days
Maternity Leave Starts
-
Start date
Expected Delivery
-
Your EDD
Back to Work
-
Return date
Leave Starts
-
Date of miscarriage / medical event
Back to Work
-
After 60 continuous leave days

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?

If you need another payment option for planned or unexpected expenses, you may review this optional UnionBank credit-card offer.

View UnionBank Credit Card Offer

Approval, fees, eligibility, credit limit, and terms remain subject to UnionBank.

After your estimate

What should you check next?

Your SSS maternity benefit estimate — often called maternity pay or MatBen by members — is based on the details you entered. Final qualification and payment still depend on SSS records, posted contributions, filing, supporting documents, and the applicable payment process.

Approved but no payment yet? Check what normally happens after approval and what to review next. Filing & requirements guide Review notification, filing, documents, payment, and claim steps. Check your SSS Maternity Qualifying Period Double-check which contribution months can count for your case. SSS maternity pay & benefit computation guide See how SSS maternity pay is calculated using the six-highest-MSC formula.

More SSS help

Need a different SSS benefit?

Use the SSS Benefits Finder for sickness, disability, retirement, unemployment, death, funeral, or work-related Employees' Compensation cases.

Find My SSS Benefit
Sickness Disability Pension Unemployment Death Funeral

Understand your result

SSS Maternity Benefit & Maternity Pay Computation 2026

Many members refer to their SSS maternity benefit as maternity pay or MatBen. The calculator above estimates the SSS benefit automatically. Open the explanation below to see how the six highest Monthly Salary Credits affect your maternity pay computation.

SSS maternity benefit is based on your Monthly Salary Credits (MSC) from the applicable Qualifying Period, not simply your current salary.

Step 1: Find your Qualifying Period

Use the calculator above to identify the 12-month period SSS checks for your maternity claim.

Step 2: Identify the six highest MSCs

SSS uses the six highest Monthly Salary Credits within the applicable 12-month period.

Step 3: Compute the Average Daily Salary Credit

Add the six highest MSCs, then divide the total by 180.

ADSC = Sum of six highest MSCs ÷ 180

Step 4: Multiply by the maternity benefit days

  • 105 days — live childbirth, normal or caesarean
  • 120 days — qualified solo parent
  • 60 days — miscarriage, ETP, or stillbirth
Estimated benefit = Sum of six highest MSCs ÷ 180 × applicable benefit days

How much maternity pay will I get from SSS?

Your estimated SSS maternity pay depends on the six highest applicable MSCs and the number of benefit days for your maternity case. The calculator above does this computation for you, so you can compare your qualifying contributions with the estimated SSS maternity benefit amount.

Example: Why can the result be around ₱35,000?

For a 105-day claim, an estimated ₱35,000 benefit corresponds to an ADSC of about ₱333.33. That is roughly equivalent to an average MSC of ₱10,000 across the six highest months.

₱35,000 ÷ 105 = ₱333.33 ADSC
₱333.33 × 180 = ₱60,000 total of six MSCs
₱60,000 ÷ 6 = about ₱10,000 average MSC

Why can the result be lower than ₱70,000?

For a 105-day claim to reach ₱70,000, the six highest MSCs generally need to average the Regular SSS maternity-benefit MSC ceiling of ₱20,000. Missing or lower qualifying contributions can reduce the estimate.

Want to know how to reach the maximum? See how to avail the ₱70,000 SSS maternity benefit . Need more examples? Read the full SSS maternity computation guide .

For employed members

SSS Maternity Benefit vs Maternity Leave Pay

People often search for maternity pay, mat leave pay, or maternity leave with pay when they want to know how much money they may receive while away from work. This calculator estimates the SSS maternity benefit. For employed members, the total amount connected with maternity leave may also include an employer-paid salary differential, when applicable.

Employee? Check whether a salary differential may be added on top of your SSS maternity benefit.

Check Maternity Salary Differential

Basic eligibility

Who may qualify for SSS maternity benefit?

Covered female SSS member Qualified employed, self-employed, voluntary, non-working spouse, and OFW members may claim.
At least 3 qualifying monthly contributions At least three monthly contributions must fall within the applicable 12-month Qualifying Period.
Maternity notification Employed members notify their employer. SE, VM, NWS, and OFW members notify SSS directly through the available SSS notification channels.
File within the allowed period Current SSS guidance provides a 10-year prescriptive period from the date of delivery, miscarriage, or ETP.

Final qualification and benefit amount remain subject to SSS validation of contributions, records, member status, and submitted documents.

Quick answers

SSS Maternity Benefit, MatBen & Maternity Pay FAQ

SSS maternity benefit is a daily cash allowance for a qualified female SSS member who is unable to work because of childbirth, miscarriage, or emergency termination of pregnancy.
Read the complete maternity benefits guide

Your SSS maternity pay estimate depends on the six highest applicable Monthly Salary Credits and the maternity case. The current Regular SSS maternity-benefit MSC ceiling is ₱20,000. The calculator above can estimate the amount using your qualifying contribution history.
See the full computation and examples

A member generally needs at least three qualifying monthly contributions within the applicable 12-month period and must comply with the applicable maternity-notification requirements.
Check the full eligibility requirements

Members often use maternity pay as a simple way to describe the SSS maternity benefit. For employed members, however, the total amount received during maternity leave can also involve a salary differential from the employer, when applicable.
Check the maternity salary differential

MatBen is a common short form for maternity benefit. An SSS MatBen calculator estimates the maternity benefit using the qualifying period, applicable Monthly Salary Credits, and the number of benefit days for the maternity case.

The standard benefit period is 105 days for live childbirth, 120 days for a qualified solo parent, and 60 days for miscarriage or ETP. These day counts are used in the SSS maternity benefit computation. Exact maternity leave start, end, and return-to-work dates are a separate leave-planning question.

Maternity rules reviewed against current SSS guidance on August 24, 2026.

🎁 New Member Bonus

Get up to ₱588 with MariBank

New to MariBank? Sign up using our referral link, deposit ₱1,000 into your own MariBank account, and complete the promo requirements to get up to ₱588.

Get up to ₱588 →

Promo eligibility, reward amount, and requirements are subject to MariBank's terms. We may receive a referral reward if you successfully qualify.

See more from SSS Maternity Benefits Calculator on Google

Add this site as a preferred source so Google can highlight more of our guides and updates for you in Search.

Add as a preferred source on Google
To top