SSS Salary Loan Tool
SSS Salary Loan Calculator 2026
Check basic eligibility, estimate how much you can get, see if you are ready to apply, and get a direct next step if My.SSS shows an error or rejection.
Updated August 2026. This is an independent estimate. Your final approved amount, charges, eligibility, and release status are determined by SSS using your actual records.
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.
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.
Your estimated Salary Loan
Your value first, followed by the next application step.
SSS Salary Loan Assistance
Are you ready to apply?
Your loan estimate and your application readiness are separate. Complete these checks to catch common blockers before opening My.SSS.
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.
- Log in to your My.SSS account or MySSS mobile app.
- Open the Salary Loan application and review the amount offered by SSS.
- Confirm your active disbursement account.
- Review the disclosure statement, charges, interest, and monthly amortization.
- Submit the Salary Loan application.
- If employed, wait for your employer to electronically certify the application.
- Save the confirmation and disclosure statement.
Got an error or rejection after applying? Check what the message means and what to do next.
Salary Loan Help
Got an SSS Salary Loan Error or Rejection?
Already applied? You do not need to use the calculator first. Select the sentence that looks like your My.SSS notification. We will repeat it below, explain why it appears, and tell you clearly whether you can fix it now or must wait.
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
Salary loan and calamity loan are different. Salary loan is based on your posted contributions and salary loan MSC basis. 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.