SSS Salary Loan Tool

SSS Salary Loan Calculator & Rejection Checker 2026

Fix an SSS Salary Loan rejection or error, or estimate your possible loan amount, net proceeds, and monthly payment.

Choose the help you need below. You do not need to use the calculator first if My.SSS already showed a rejection or error.

What do you need help with?

Choose the option that matches where you are now.

Got rejected or an error?

Select the exact My.SSS message and see what it means and what to do next.

Check My Rejection / Error

Want to estimate your loan?

Estimate your gross loan, possible cash received, and monthly amortization.

Calculate My Salary Loan

Updated August 23, 2026. This is an independent helper. SSS makes the final decision using your actual member and loan records.

Most common urgent need

SSS Salary Loan Rejection & Error Checker

Already applied and My.SSS rejected you or showed an error? You do not need to calculate first. Select the sentence that looks like your notification. We will repeat it, explain what it means, and tell you whether you can fix it now or must wait.

Only want to estimate your loan? Skip to the Salary Loan Calculator.

Choose the exact My.SSS sentence or rejection reason whenever it appears in the list. Ignore only personal dates, employer names, or contribution numbers that change from member to member.

Tip: Save a screenshot of the complete My.SSS message before changing anything. The exact wording is more useful than the error code alone when a problem continues.

Optional payment option

Need another payment option?

While you resolve your SSS Salary Loan, you may optionally review a UnionBank credit-card offer. Compare fees, repayment terms, and what you can comfortably repay before applying.

View UnionBank Offer

Salary Loan Calculator

Check your basic eligibility

Tell us when you plan to apply, your member type, total posted contributions, and how many are posted in the recent 12-month eligibility window.

36 to 71 may qualify for a 1-month loan. 72 or more may qualify for a 2-month loan. Other SSS conditions still apply.
Enter the number already posted in My.SSS for the 12 calendar months before your application month.
Required for Self-Employed, Voluntary, Non-Working Spouse, and land-based OFW members.

Loan amount

Estimate how much you can get

Enter your 12 latest actual posted SSS records. If there are unpaid months, skip them and continue farther back until you have 12 posted records.

Choose 10% only if this renewal falls under the penalty-condonation interest case.
An existing balance can reduce the estimated net proceeds of a renewal.

Select member type first.

Are your 12 latest posted records mostly the same amount?
Enter the first record below, then use the shortcut. You can still edit any month that is different.
12 latest posted contribution records

Your result

Your estimated Salary Loan

See your estimate first, then choose the next action that matches your situation.

Estimated gross Salary Loan
₱
Estimated amount to receive
₱
Monthly amortization ₱
Service fee (1%) ₱
Estimated pro-rated interest ₱
Estimated total payable over 24 months ₱
Estimated first amortization month —

Next step

What do you need after this estimate?

Choose the problem that matches what you are doing now.

I got rejected / an error
System error during application
Payment not reflected
Check amortization schedule

Optional pre-application check

Want to check if you are ready to apply?

Your amount estimate is already complete. Open this only if you want to check common application blockers.

Examples include retirement or permanent total disability unless the final benefit was later cancelled under an allowed case.
Complete the checks above to see whether there is anything to fix before applying.

This checklist covers the main published eligibility and filing blockers. SSS still makes the final decision using your actual account records.

Next: Apply in My.SSS

When you are ready, compare the official SSS offer with the estimate above before submitting.

  1. Log in to your My.SSS account or MySSS mobile app.
  2. Open the Salary Loan application and review the amount offered by SSS.
  3. Confirm your active disbursement account.
  4. Review the disclosure statement, charges, interest, and monthly amortization.
  5. Submit the Salary Loan application.
  6. If employed, wait for your employer to electronically certify the application.
  7. Save the confirmation and disclosure statement.

If My.SSS rejects the application later, return to the Rejection & Error Checker and select the exact message.

How to Compute Your SSS Salary Loan Amount

This calculator separates two SSS rules. Eligibility checks whether you have enough total posted contributions and at least 6 posted contributions in the 12 calendar months before filing. The amount estimate then uses your 12 latest actual posted Regular SS MSCs.

Unpaid calendar months are not entered as zero for the amount estimate. If there is a gap, continue farther back in your contribution history until you have 12 actual posted records.

SSS Salary Loan Interest and Service Fee

The result shows the estimated service fee, pro-rated interest, and net proceeds. The service fee and interest can reduce the amount you actually receive compared with the gross loan amount.

What the result separates

  • Estimated loan amount: the gross loan estimate before deductions
  • Estimated net proceeds: the amount after service fee, pro-rated interest, and existing loan balance deduction
  • Monthly amortization: estimated monthly payment for the 24-month term

SSS Salary Loan Amortization Calculator

The calculator estimates your monthly amortization for the 24-month salary loan term using the interest case you select. Your actual payment schedule and effective interest rate still depend on the final SSS disclosure statement, approval date, and applicable charges.

SSS Salary Loan Requirements by Member Type

The basic contribution rules are similar, but the way you enter values may be different depending on your member type.

Voluntary members may be able to apply for SSS salary loan if they meet the total posted contribution requirement and have enough recent posted payments. In the calculator, voluntary members may enter either their MSC or the full contribution paid.

  • 36 total posted contributions may qualify for a 1-month loan
  • 72 total posted contributions may qualify for a 2-month loan
  • At least 6 paid months should appear in the latest 12-month period used by the calculator

Employed members may enter their MSC or employee share from payslip. Do not add the employer share when using the employee share field. If approved, the employer may still need to certify or confirm the salary loan application.

Self-employed members may enter their MSC or full contribution paid. Make sure the latest payments are posted before relying on the estimate.

OFW members may enter their MSC or full contribution paid. If your coverage type changed, check your posted contributions carefully before applying.

Why Your SSS Salary Loan Amount May Be Lower Than Expected

  • Your 12 latest posted Regular SS MSCs may include older, lower-MSC records when there are gaps in recent payments
  • You may have fewer than 12 paid months in the period
  • Your posted MSC may be lower than you assumed
  • Your recent paid months may be enough to qualify, but still not enough to produce a high average MSC
  • Your total MSC may be above ₱20,000 because of MPF, but salary loan uses the Regular SS MSC basis capped at ₱20,000
  • You may have an existing loan balance or other SSS deduction

SSS Salary Loan vs SSS Calamity Loan

Looking for SSS Calamity Loan? Salary loan and calamity loan are different. Calamity loan depends on SSS calamity assistance availability, covered area, and separate rules. Use the SSS Calamity Loan Calculator.

Who Can Apply for SSS Salary Loan?

This calculator checks whether you may qualify by looking at your total posted contributions and the number posted within the 12 calendar months before the application month.

Quick Eligibility Summary

  • 1-month loan: at least 36 total posted contributions
  • 2-month loan: at least 72 total posted contributions
  • Recent eligibility window: at least 6 posted contributions in the 12 calendar months before the application month
  • Loan estimate: based on the 12 latest actual posted Regular SS MSCs, averaged and rounded to the applicable MSC bracket, using the Regular SS basis capped at ₱20,000

What Can Delay or Block an SSS Salary Loan?

If My.SSS already gave you an error or rejection, you do not need to calculate first. Use the Salary Loan Error & Rejection Checker above and select the exact message you received.

1. Not enough total posted contributions

You may not yet meet the minimum 36 total posted contributions for a 1-month loan or 72 total posted contributions for a 2-month loan.

2. Fewer than 6 paid months in the latest 12-month period

Even if your total contributions are enough, you still need at least 6 posted contributions inside the 12 calendar months before the month of filing.

3. Employer certification or disbursement issues

Even if you qualify, processing may slow down due to employer certification, disbursement account problems, or posting issues.

SSS Salary Loan FAQ

This calculator uses 36 total posted contributions for a possible 1-month salary loan and 72 total posted contributions for a possible 2-month salary loan.

You need at least 6 paid months inside the same latest 12-month period used by the calculator.

Your total MSC may show above ₱20,000 because of MPF, but regular SSS salary loan uses the Regular SS MSC basis capped at ₱20,000. This means the estimated maximum gross salary loan is ₱20,000 for a 1-month loan and ₱40,000 for a 2-month loan, before deductions.

Still need help with your Salary Loan?

Check another common Salary Loan problem.

Payment Not Reflected Amortization Schedule Salary Loan During Maternity Leave

Still unsure about your SSS Salary Loan?

Ask your question. It will be reviewed before it appears publicly.

Before submitting: Questions are manually reviewed. Please use only your first name and remove private account information.
Do not include your SSS number, CRN, password, OTP, bank account number, full birthday, address, or other private information.
Your email will not be displayed publicly.

Recently answered Salary Loan questions

View all Salary Loan questions
Employee Loan Amount / Net Proceeds
Asked by Ralph · Jul 26, 2026

Pwede pa ba ako magloan kahit may balance pa ako?

Answer from SSS Calculator Team Jul 26, 2026

Yes po, puwede kang mag-renew ng SSS Salary Loan kahit may natitirang balance, basta:

Lumipas na ang 6 months mula sa approval ng current loan.
Hindi past due ang loan.
On time ang huling 3 monthly amortizations bago ka mag-apply.
Pagkatapos ibawas ang lumang balance, interest, at charges, dapat may matatanggap ka pang at least ₱2,000.

Ang mangyayari:

Bagong approved loan − natitirang balance − charges = net amount na matatanggap mo.

Halimbawa, approved ka ng ₱30,000 at may ₱12,000 pang balance, ibabawas muna ang ₱12,000 kasama ang applicable charges bago i-release ang natira.

Kapag past due o delayed ang payments mo, maaaring hindi ka muna makapag-renew. Makikita agad sa My.SSS → Loans → Apply for Salary Loan kung eligible ka at magkano ang estimated net proceeds.

Answer from SSS Calculator Team Jul 27, 2026

Hi mommy 😊 Kung December 2026 ang EDD mo, ang qualifying period mo ay July 2025–June 2026.

Since ang last hulog mo ay September 2024, mukhang wala kang valid contribution sa qualifying period.

Yung April–June 2026 kung ngayon July 2026 mo pa lang babayaran, may issue siya sa MatBen. Kahit pasok pa sa regular PRN deadline, July 2026 na ang start ng semester of contingency mo, kaya hindi na siya counted sa December 2026 maternity benefit.

Pwede mo pa siyang bayaran kung tatanggapin ng SSS PRN for future benefits, pero hindi siya makakatulong sa Dec 2026 MatBen.

Kailangan may at least 3 paid and posted contributions within July 2025–June 2026 na nabayaran before July 2026. Kung wala, likely hindi qualified.

Last QP month: June 2026 — qualifying payments should be made on or before end of June 2026.

Watch the EDD December 2026 guide:
https://youtu.be/BGd2vdgpqc8?si=P8RitlfNYnqaaxjn

Check estimate dito mommy:
https://sssmaternitybenefitscalculator.com

Employee Payment / Overdue Loan
Asked by Kenneth · Jul 24, 2026

Qualified Dow ako pero bakit. Mas màbab ang net proceeds or presta the exact errow messss sa my ssd

Answer from SSS Calculator Team Jul 26, 2026

Hi mommy 😊 Kahit qualified ka, possible na mas mababa ang net proceeds kasi iba ang approved amount sa net amount na matatanggap.

Common reasons bakit mas mababa:

may contribution na hindi counted kasi paid within or after the semester of contingency
may late/not posted contributions
mas mababa ang MSC na ginamit ni SSS
may deduction, adjustment, or previous overpayment
iba ang actual delivery date kaya nagbago ang qualifying period

Pakisend mommy ang exact error/message sa My.SSS or screenshot ng computation para masabi kung bakit bumaba. Best din mag-request sa SSS ng computation breakdown para makita ang months and MSC na ginamit.

Check estimate dito mommy:
https://sssmaternitybenefitscalculator.com

Employee Eligibility
Asked by Jennifer · Jul 22, 2026

Gusto Kong Malaman kung magkano Ang unang loan na pwedi sa akin

Answer from SSS Calculator Team Jul 26, 2026

Hi mommy 😊 Para malaman kung magkano ang first SSS salary loan mo, check muna kung ilang posted contributions meron ka.

Kung may at least 36 posted monthly contributions and at least 6 contributions within the last 12 months, possible ka for 1-month salary loan.

Ang amount is based sa average ng latest 12 posted MSCs, not exactly sa basic salary mo. Kung maximum MSC ang latest 12 months mo, mas mataas ang loanable amount.

Kung may 72 posted contributions, possible naman for 2-month salary loan.

Pinaka-sure mommy: check sa My.SSS > Loans > Salary Loan, doon lalabas ang actual loanable amount mo.

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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