Philippine Employee Contribution Tool
SSS, PhilHealth & Pag-IBIG (HDMF) Contribution Calculator 2026
Enter your monthly salary to estimate employee deductions, employer counterparts, SSS Mandatory Pension Booster / MPF, and salary after the three mandatory contributions.
For standard private-sector employee payroll estimates. Actual payroll can differ when agency contribution bases or compensation components differ from the salary entered here.
Enter your monthly salary
For most employees, start with monthly basic salary.
Different agencies do not always define compensation the same way. Use these only if you know the separate payroll bases.
Your result
Estimated monthly government contributions
Employee deductions and employer-paid counterparts shown separately.
Before withholding tax, loans, absences and other company deductions.
| Contribution | Employee | Employer | Total |
|---|---|---|---|
| SSSRegular SS + Mandatory Pension Booster / MPF | ₱0.00 | ₱0.00 | ₱0.00 |
| Employees' Compensation (EC)Employer-paid only | ₱0.00 | ₱0.00 | ₱0.00 |
| PhilHealth | ₱0.00 | ₱0.00 | ₱0.00 |
| Pag-IBIG (HDMF) | ₱0.00 | ₱0.00 | ₱0.00 |
| Total | ₱0.00 | ₱0.00 | ₱0.00 |
SSS breakdown
Estimated salary after mandatory employee contributions
Monthly salary minus employee SSS, PhilHealth and Pag-IBIG only. This is not final take-home pay.
How much will SSS, PhilHealth and Pag-IBIG deduct from my salary?
The amount depends on the contribution base used by each agency. SSS uses the applicable Monthly Salary Credit, PhilHealth uses its premium rate plus salary floor/ceiling, and Pag-IBIG applies its rate up to the Maximum Fund Salary.
The calculator combines all three and separates the employee deduction from the employer counterpart.
How the SSS contribution is calculated
The current schedule effective January 2025 uses 15% of the applicable MSC: 5% employee and 10% employer.
The current SSS MSC ranges from ₱5,000 to ₱35,000. The calculator maps compensation to the official ₱500 MSC brackets.
Regular SS vs Mandatory Pension Booster / MPF
The Regular SS benefit MSC is capped at ₱20,000. The contribution corresponding to MSC above ₱20,000 up to ₱35,000 is credited to the member's Mandatory Provident Fund account, now called MySSS Pension Booster.
Example: SSS MSC = ₱30,000
- Regular SS MSC = ₱20,000
- Mandatory Pension Booster / MPF MSC = ₱10,000
- Employee SS share = 5% of ₱30,000
- Employer SS share = 10% of ₱30,000, plus EC
Employees' Compensation
EC is employer-paid: ₱10 for MSC up to ₱14,500 and ₱30 for MSC of ₱15,000 and above.
How the PhilHealth contribution is calculated
- Premium rate: 5%
- Income floor: ₱10,000
- Income ceiling: ₱100,000
- Standard employed-member split: 50% employee / 50% employer
Example: Monthly basic salary = ₱30,000
Total premium = ₱1,500. Employee = ₱750. Employer = ₱750.
PhilHealth uses monthly basic salary. Official guidance excludes sales commission, overtime, allowances, 13th month pay, bonuses and other gratuity payments from this basic-salary calculation.
How the Pag-IBIG Fund (HDMF) contribution is calculated
| Monthly compensation | Employee | Employer |
|---|---|---|
| ₱1,500 and below | 1% | 2% |
| Over ₱1,500 | 2% | 2% |
The current Maximum Fund Salary is ₱10,000. A standard employee earning more than ₱10,000 therefore normally has a mandatory employee contribution of ₱200/month, matched by a ₱200 employer counterpart.
Voluntary additional savings are not included in this mandatory payroll estimate.
Sample salary contribution estimates
These examples use the same salary as the contribution base for all three agencies.
| Salary | SSS EE | PhilHealth EE | Pag-IBIG EE | Total EE |
|---|
Employee deduction vs employer contribution
Your payslip should not deduct the entire contribution total because employers also shoulder mandatory counterpart contributions.
Deducted from employee
- SSS employee share
- PhilHealth employee share
- Pag-IBIG employee share
Paid by employer
- SSS employer share
- SSS EC
- PhilHealth employer share
- Pag-IBIG employer counterpart
Why these contributions matter for salary differential
These employee deductions also matter when estimating maternity salary differential, but that tool has a different intent and remains separate.
Open Salary Differential CalculatorFrequently asked questions
Calculation limits
This is an independent payroll estimate for a standard private-sector employee. It does not replace official agency or employer payroll records. Special categories, corrections, voluntary savings and employer-specific arrangements can produce different amounts.
Official references
Rule set last reviewed: August 24, 2026.