SSS Maternity Benefit Calculator 2026

Accurate for delivery and miscarriage cases from 2023 to 2026

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)

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Pay at least 3 monthly contributions within the Qualifying 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

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:

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
Final formula:
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:

₱35,000 ÷ 105 days = ₱333.33 ADSC
₱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 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 computation

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, CRN, birthday, or full private details.

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Latest SSS Maternity Questions

See All Questions
VoluntaryGeneral Question
Question from Crys · Asked Aug 16, 2026

EDD ko po ay September 2026 and yung wualifying period ko po daw ay April 2025-March 2026. Last hulog ko po ay january 2026, okay lng po ba hindi na hulagan yung february and march2026 po? Wala na kasi akong pang hulog mas inu una ko deposit sa hospital ng baby ko. Thank tou advance sa sagot

Answer from SSS Maternity Calculator Team:Answered Aug 16, 2026

Hi mommy 😊 Yes po, okay lang na hindi na hulugan ang February at March 2026 kung mayroon ka nang at least 3 valid contributions within April 2025–January 2026. For EDD September 2026, tama po na ang qualifying period mo ay April 2025–March 2026. SSS requires at least 3 monthly contributions within that 12-month period.

So kung halimbawa may hulog ka na ng November 2025, December 2025 at January 2026, qualified ka na sa minimum contribution requirement kahit hindi mo na mabayaran ang February at March. ✅

Pero mommy, tandaan na ang amount ng maternity benefit ay based sa 6 highest Monthly Salary Credits within your qualifying period. Kaya kung less than 6 months lang ang contributions mo, maaaring mas mababa ang benefit kaysa kung nakumpleto mo ang mas maraming qualifying months.

Kung Philhealth member karin po, you can check as well yung Philmatben po this is more on hospital bill deductions unlike SSS na cash benefit ang makukuha mo. Kay Philhealth po kung updated or may contributions ka pwede karin ma qualify sa Philhealth matben, basta sa mga accredited hospital or lying in ka ni Philhealth manganganak. Pwede ka mag inquire sa hospita or sa lying in na pag aanakan mo kung anu po mga requirements nila para ma avail ang philhealth matben or hospital bill deduction if philhealth member.

👉 Check your exact qualifying months here:
https://sssmaternitybenefitscalculator.com/sss-maternity-qualifying-period/

Check your EDD, member type, months & deadlines
Your September 2026 EDD and Voluntary member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
VoluntaryGeneral Question
Question from Lyndrine · Asked Aug 15, 2026

pwede kopa bang i file ang mat ben ko?

Answer from SSS Maternity Calculator Team:Answered Aug 16, 2026

Hi Mommy, kung Mat1 po yes po pwede ka mag file Habang pregnant pa, ang kailangan mo munang gawin ay Maternity Notification (MAT-1) through your My.SSS account or SSS Mobile App. For Voluntary members, puwedeng direktang mag-submit ng maternity notification sa SSS.

After delivery ka pa magfa-file ng actual Maternity Benefit Application (MBA) para ma-claim ang benefit, together with the required birth/medical documents.

So yes mommy,ang priority mo ngayon ay:

File your Maternity Notification if hindi pa filed.
Make sure may at least 3 valid qualifying contributions within your qualifying months
After delivery, saka mo i-file ang Maternity Benefit Application.

👉 Qualifying Period Checker:
https://sssmaternitybenefitscalculator.com/sss-maternity-qualifying-period/

VoluntaryContribution / Payment Deadline
Question from Hazel · Asked Aug 15, 2026

EDD ko po April 2027 at Voluntary member po ako. Sa calculator, wala po akong inilagay na paid/posted contribution sa qualifying period. Kakaalam ko lang po na pregnant ako at gusto kong malaman kung maaari pa akong maghulog para maka-qualify sa SSS maternity benefit. Ang tanong ko po: Wala po akong nabayaran from Jan until august 20206. Ano po dapat gawin para makagamit ng benefit and how much po per month?

Answer from SSS Maternity Calculator Team:Answered Aug 16, 2026

Hi mommy 😊 Yes po, may chance pa kayong maka-qualify for EDD April 2027, pero kailangan magsimula na kayong maghulog sa months na puwede pang bayaran.

Ang 12-month qualifying period mo ay January–December 2026. Kailangan ng at least 3 monthly contributions within this period, at SSS will only consider contributions paid before January 2027, dahil January–June 2027 na ang Semester of Contingency mo.

Since wala kang nabayaran from January–August 2026, hindi na puwedeng habulin ang January–June dahil past due na. Pero July, August at September 2026 ✅ maaari pa, dahil Voluntary members may pay monthly or quarterly, at ang July–September quarter ay payable on or before end of October 2026. Late retroactive payments after the deadline are not allowed.

For qualification only, the minimum Voluntary contribution is ₱750/month based on the ₱5,000 MSC. So paying at least July, August and September can give you the required 3 qualifying months.

Pero mommy, ₱750/month will qualify you but will give a relatively small MatBen. If those are your only 3 contributions, estimated 105-day maternity benefit would be around ₱8,750.

If your goal is closer to the maximum ₱70,000, you generally need 6 qualifying months at ₱20,000 MSC, equivalent to ₱3,000/month as a Voluntary member. So July–December 2026 at ₱3,000/month could potentially give the maximum, provided your SSS record allows that MSC and all six months are paid before January 2027. SSS allows VM members to pay contributions in advance.

👉 Qualifying Period Checker:
https://sssmaternitybenefitscalculator.com/sss-maternity-qualifying-period/

🎥 April 2027 EDD guide:
https://youtu.be/CC5tF-b0K40?si=47HvGO2y4FFDmEmh

Check your EDD, member type, months & deadlines
Your April 2027 EDD and Voluntary member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
VoluntaryContribution / Payment Deadline
Question from Hazel · Asked Aug 15, 2026

EDD ko po April 2027 at Voluntary member po ako. Sa calculator, inilagay kong paid/posted ang April 2026, May 2026, June 2026, July 2026, August 2026, September 2026, October 2026, November 2026, and December 2026. Gusto ko pong malaman kung maaari ko pang bayaran ang July 2026 para maka-qualify sa SSS maternity benefit. Ang tanong ko po: Kakaalam ko lang n apregnant ako. Am I still qualified?

Answer from SSS Maternity Calculator Team:Answered Aug 16, 2026

Hi mommy 😊 Yes po, based sa details mo, possible ka pang qualified for SSS maternity benefit kahit kakaalam mo lang na pregnant ka.

For EDD April 2027, ang 12-month qualifying period mo ay January–December 2026. Kailangan ng at least 3 monthly contributions within this period.

Since may posted contributions ka na for April, May at June 2026 ✅, naabot mo na ang minimum 3 qualifying contributions, provided valid at properly posted ang payments. Yung July 2026 ✅ pasok din sa qualifying period.

Kung hindi pa talaga paid ang July, puwede pa po itong bayaran ngayon as Voluntary member. For quarterly payment, July–September may be paid on or before end of October 2026. Late retroactive payments after the applicable deadline are not allowed.

Also mommy, January 2027 na ang start ng Semester of Contingency, kaya contributions for this maternity claim must be paid before January 2027.

So yes po, may qualification ka na based on April–June, and continuing your contributions can still help increase the possible benefit if they become part of your 6 highest MSC months.

👉 Qualifying Period Checker:
https://sssmaternitybenefitscalculator.com/sss-maternity-qualifying-period/

🎥 April 2027 EDD guide:
https://youtu.be/CC5tF-b0K40?si=47HvGO2y4FFDmEmh

Check your EDD, member type, months & deadlines
Your April 2027 EDD and Voluntary member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
Non-Working SpouseQualifying Period
Question from Ivie · Asked Aug 15, 2026

EDD ko October 2026,may hulog ako February to December 2023 may qualified po ba ako?

Answer from SSS Maternity Calculator Team:Answered Aug 16, 2026

Hi mommy 😊 For EDD October 2026, ang 12-month qualifying period mo ay July 2025–June 2026. Kailangan may at least 3 monthly contributions within this period para maka-qualify sa SSS maternity benefit.

Yung contributions mo na February–December 2023 ❌ hindi na counted, dahil outside na sila sa qualifying period ng October 2026 EDD.

So kung 2023 lang talaga ang last contributions mo at wala kang hulog from July 2025–June 2026, unfortunately hindi ka qualified for this maternity benefit based on the minimum contribution requirement.

🎥 October 2026 EDD guide:
https://youtu.be/DdHsEl6zse0?si=Vin69432t-YOf0w2

Check your EDD, member type, months & deadlines
Your October 2026 EDD and Non-Working Spouse member type are already selected. Confirm the details to see the contribution months SSS may count and the next step that applies to you.
View My Months & Deadlines
View All SSS Maternity Questions

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