SSS Contribution Calculator Philippines: 2021-2026 Table, MSC, and Employee Share
Use this master calculator if you know your salary, MSC, or contribution amount. Choose the year first because SSS rates changed from 2021 to 2026. For employees and kasambahay, the contribution input uses the employee share usually seen on the payslip.
Best for checking
- Employee share from payslip
- MSC from My.SSS records
- Voluntary or OFW contribution
- Old contribution records from 2021-2026
- Next steps for maternity or salary loan planning
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Need the current contribution table?
Most users should use the current 2026 calculator. Use the master page when you need to compare years or verify an older posting from 2021 to 2026.
Master SSS contribution calculator
Select a year and member type. Then enter whichever amount you know. The calculator will match your input to the nearest valid SSS table bracket and sync the MSC and contribution fields.
Enter the amount deducted from your payslip if you only know your share.
Enter the full amount you personally paid.
Use the MSC or posted contribution shown in your contribution record.
Which SSS contribution page should you use?
Use this master calculator if...
You want to compare 2021 to 2026, convert employee share to MSC, or check old contribution records across different years.
Use a yearly calculator if...
You only need one specific year, especially the 2026 contribution calculator for current payments.
SSS contribution rate by year
The rate changed over time. This is why choosing the correct year matters when checking old SSS records or comparing current contributions.
| Year | Total rate | Employee share | Employer share | Focused page |
|---|---|---|---|---|
| 2026 | 15% | 5% | 10% | 2026 calculator |
| 2025 | 15% | 5% | 10% | 2025 calculator |
| 2024 | 14% | 4.5% | 9.5% | 2024 calculator |
| 2023 | 14% | 4.5% | 9.5% | 2023 calculator |
| 2022 | 13% | 4.5% | 8.5% | 2022 calculator |
| 2021 | 13% | 4.5% | 8.5% | 2021 calculator |
Full SSS contribution table viewer
Choose a year and member type to view the table. Desktop users see the complete table, while mobile users get easier-to-read cards.
Compare the same salary across years
This helps users see why the same salary can produce a different contribution depending on whether they choose 2021, 2023, 2025, or 2026.
What your SSS contribution result means
Your result shows the table bracket for the selected year and member type. The most useful numbers are the Regular SS MSC, Total MSC, and contribution share.
Employees and kasambahay usually see only the employee share on their payslip. The employer share and EC are separate amounts shouldered by the employer. For voluntary, self-employed, and OFW members, the amount shown is usually the full member-paid contribution.
Common SSS contribution mistakes
Using employee share as total contribution
If you are employed, the payslip deduction is usually your employee share only. The employer share is separate and should not be ignored when checking the full table result.
Choosing the wrong year
A 2022 table result is different from 2026 because the rate and maximum MSC changed. Always choose the year of the payment you are checking.
Assuming MPF/WISP increases maternity benefit
The contribution table may show MPF/WISP amounts above the regular SS MSC, but maternity benefit planning still needs careful checking of the regular MSC and qualifying period.
Assuming amount alone proves eligibility
For maternity benefits and salary loan, timing and posted contributions matter. Use the qualifying period calculator or salary loan calculator after checking this page.
Why this matters for maternity benefits and salary loan
Maternity benefit planning
Your contribution record can affect the MSCs used for maternity benefit estimates, but the qualifying period is still the first thing to check.
Salary loan planning
Your latest posted MSCs help determine salary loan estimates. After checking your contribution, use the salary loan calculator for the actual loan estimate.
Need backup funds while waiting for SSS processing?
If you are checking contributions because you are preparing for maternity expenses or short-term cash flow, you can review a backup credit option. Use responsibly and only apply if you can manage repayments.
Year-specific SSS contribution calculators
Use these pages when you want a focused calculator and full table for one specific year.