SSS Salary Loan Tool

SSS Salary Loan Penalty Calculator 2026

Missed a Salary Loan payment? Estimate how much you may need to pay now to catch up.

Enter the monthly amortization and the first month you did not pay. The calculator finds the overdue months for you.

How much do you need to catch up?

Only three inputs are needed.

₱
Use the exact monthly amortization shown in your SSS loan record or Disclosure Statement. Salary Loans are repaid over 24 equal monthly amortizations. For reference, ₱40,000 ÷ 24 = ₱1,666.67 principal per month before interest, so the actual amortization can be higher.
Choose a past amortization month only. The latest available choice is always the previous calendar month.
Defaults to today. For a historical check, you can choose a date on or after the first unpaid amortization month. Future dates are not available.

Your estimate

Estimated amount to catch up

Based on the overdue monthly amortizations below.

Unpaid amortizations

₱0.00

Estimated penalties

₱0.00

Estimated catch-up amount

₱0.00

Overdue payment breakdown

Each missed amortization has its own deadline, so the oldest missed payment has the most days of delay.

Amortization month Payment deadline Days late Amortization Est. penalty Est. amount
Estimate only. SSS states that a late Salary Loan amortization carries a 1% monthly penalty computed for every day of delay. The public Salary Loan page does not state the exact daily divisor used by the SSS system, so this tool uses a 30-day monthly basis. Weekend deadlines are adjusted to Monday; Philippine public holidays are not automatically modeled. Verify the final amount in My.SSS / your Loan Statement / PRN.

Something does not look right?

These checks only appear after you already have the estimate.

This may be a remittance/posting issue. If your employer already deducted the Salary Loan payment from payroll but it is not reflected in My.SSS, keep your payslip/payroll proof and check whether the employer actually remitted the amount and whether SSS posted it to your loan account. Do not assume you personally need to pay the same amount again without checking the official loan record.
Your official My.SSS balance is more important than this simple catch-up estimate. SSS states that when a Salary Loan remains unpaid after the loan term, 10% annual interest and the 1% monthly penalty apply until fully paid. A remaining balance after the term is also a default condition. Check the official balance first; if the loan is already past due, you can also review the current SSS Conso Loan rules.
Review SSS Conso Loan

Optional

Considering your first credit card?

Separate from your SSS loan: if you are also comparing a first credit card, you can review the UnionBank card we currently feature. Approval is decided by UnionBank.

View UnionBank Credit Card Read the First Credit Card Guide

Affiliate link. This credit-card information is separate from the SSS catch-up estimate above.

Check the official payable amount before paying

Use My.SSS / your Loan Statement / PRN for the amount SSS will actually accept. The calculator is designed to help you understand why the balance increased and approximately how much is needed to catch up.

Open SSS Salary Loan Calculator

How the SSS Salary Loan late-payment penalty works

The useful question is usually not only “What is the penalty rate?” but “How much may I need to pay now to catch up?”

1% monthly penalty

SSS states that Salary Loan amortizations remitted after the due date bear a 1% penalty per month computed and charged for every day of delay.

Deadline is the following month

The payment deadline is on or before the last day of the month following the applicable amortization month. If that deadline falls on a weekend or holiday, SSS allows payment on the next working day.

Several missed payments

You only enter the first unpaid amortization month. The calculator automatically checks the later monthly deadlines that have already passed and estimates each overdue installment separately.

Payments are applied in order

SSS applies Salary Loan payments to penalty first, then interest, then principal.

The three numbers you need

Monthly amortization

Use the regular monthly payment from your SSS loan record or Disclosure Statement.

First unpaid amortization month

Choose the first applicable loan month you failed to pay. You do not need to count the missed months yourself.

Calculate through date

For a loan that is still unpaid, leave this set to today. Use another date only if you are reviewing an older situation or planning payment on a specific date.

What if your employer already deducted the payment?

If the Salary Loan amortization was already deducted from your salary but the payment is missing in My.SSS, the problem may be remittance or posting rather than a payment you personally forgot to make.

Keep the payslip/payroll record showing the deduction. Check with your employer whether the loan payment was remitted, then compare it with the loan payments posted in My.SSS. Avoid paying the same payroll-deducted amount again until you understand the official account record.

When a late loan becomes a bigger problem

SSS defines a Salary Loan as in default when the total unpaid obligation — unpaid principal, interest and penalties — is equivalent to more than six monthly amortizations, or when a balance remains after the loan term.

If your original 24-month term has already ended, do not rely on a simple missed-amortization estimate as your settlement amount. SSS states that 10% annual interest and the 1% monthly penalty apply after the term until fully paid. Use your official My.SSS balance.

Frequently asked questions

SSS states that Salary Loan amortizations remitted after the due date bear a 1% penalty per month, computed and charged for every day of delay.

Enter the applicable amortization month, not the following payment-deadline month. For example, if April 2026 is the first amortization you did not pay, choose April 2026. Its normal deadline is at the end of May 2026.

You do not need to enter each month. Enter the first unpaid amortization month and the calculator automatically includes each later amortization whose payment deadline has already passed by your calculate-through date.

Keep your payslip or payroll proof. The issue may involve employer remittance or SSS posting rather than an unpaid amount you personally need to pay again. Check the employer remittance and compare it with your My.SSS loan payment history.

No. This is an estimate designed to explain the likely catch-up amount. Use your My.SSS loan record, official Loan Statement, and generated PRN for the amount actually payable.

Need the official SSS Salary Loan rules?

Check SSS for the current repayment schedule, penalty, default rules and payment channels.

Official SSS Salary Loan Rules SSS Salary Loan Calculator

This website is an independent calculator and is not the official SSS website. Verify official rules, posted balances and payable amounts with the Social Security System.

Looking for additional payment flexibility?

Explore an optional UnionBank credit-card offer for planned or unexpected expenses. Approval, fees, eligibility, credit limit, and terms remain subject to UnionBank.

View UnionBank Offer
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