SSS Salary Loan Calculator 2026

Estimate your SSS Salary Loan amount, net proceeds, interest, and 24-month monthly payment in two short steps.

Start with your SSS membership type. We will show the next questions after you choose. Need the complete Salary Loan guide?

Step 1

Start With Your SSS Membership

Choose your membership type first. The contribution questions you need will appear next.

Application timing
Applying this month

Change this only if you plan to file in another month. It affects the recent 12-month contribution window.

36 to 71 may qualify for a 1-month loan. 72 or more may qualify for a 2-month loan.
We use the 12 months before your application month.
Required for Self-Employed, Voluntary, Non-Working Spouse, and Land-Based OFW members.

Result: Not Qualified Yet

Based on the contribution information you entered.

You do not meet a Salary Loan contribution requirement yet.

What this means

Need Another Payment Option?

If you need another option while you are not yet eligible for an SSS Salary Loan, you may optionally review this UnionBank credit-card offer.

Check if You Qualify in 1–2 Minutes

This is a separate credit product. Approval, fees, eligibility, credit limit, and terms are determined by UnionBank.

See SSS Salary Loan Requirements

Step 2

Estimate Your Salary Loan Amount

For a quick estimate, enter one recent amount. You only need the 12-record Exact Estimate if your contributions changed.

Quick Estimate keeps this simple
We assume your 12 latest posted Regular SS MSCs are close to the amount you enter below. We automatically use your maximum eligible loan level and the standard 8% annual interest rate.
Enter either your MSC / monthly salary or the SSS contribution amount you actually see.
Default is Payslip SSS Deduction Only. Choose SSS Total Contribution on SSS Website only if the amount came from your SSS online account.
Enter only one side. The matching value will be filled automatically.

Rough estimate: best when your recent salary or SSS contributions have been fairly consistent.

Exact Estimate

Use your 12 latest actual posted SSS records

Use this only if your salary or contributions changed and you want a more precise estimate.

12 latest posted records
Enter either MSC / salary or SSS contribution for each posted month.
The months immediately before your application month are prefilled.

Result: Your Estimated SSS Salary Loan

₱

Quick Estimate

Estimated maximum loan: —

Estimated cash you may receive
₱
Assumes no previous short-term loan balance is deducted.
Estimated monthly payment
₱
Estimated over 24 monthly amortizations.
View 24-Month Payment Schedule

Estimated schedule based on the loan amount and interest rate used above.

Month Beginning Interest Principal Payment Balance

This is an estimate only. Your official SSS Disclosure Statement controls the actual repayment schedule.

Need Another Payment Option?

If your SSS Salary Loan is not enough for what you need, you may optionally review this UnionBank credit-card offer.

Check if You Qualify in 1–2 Minutes

Approval, fees, eligibility, credit limit, and terms remain subject to UnionBank.

Want a more exact estimate?
This Quick Estimate assumes your 12 latest posted MSCs are similar to the one amount you entered. If your salary or contributions changed, use your 12 actual posted records.
Check the official offer in My.SSS Already rejected? Check the reason
See calculation details
Service fee (1%) ₱
Estimated pro-rated interest ₱
Estimated total payable over 24 months ₱
Estimated first amortization month —
Estimate assumptions: maximum eligible loan, standard 8% interest, and no previous short-term loan balance deduction. Actual SSS records, release timing, deductions, and renewal balance can change the final amount.

More Salary Loan help

Need help with another Salary Loan issue?

These guides are optional. Your estimate is already complete.

My Salary Loan was rejected
System error during application
Payment not reflected
Check amortization schedule
Salary Loan renewal rules
Complete Salary Loan guide

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, use the SSS Salary Loan Rejection Checker to match the reason shown in My.SSS.

How Much Can You Borrow? SSS Salary Loanable Amount 2026

Your possible SSS salary loanable amount depends on the loan level you qualify for and the average of your 12 latest actual posted Regular SS MSCs used by the calculator.

Possible 1-month Salary Loan

With at least 36 total posted contributions and the required recent contributions, the calculator can estimate a 1-month loan. The Regular SS basis is capped at ₱20,000 gross.

Possible 2-month Salary Loan

With at least 72 total posted contributions and the required recent contributions, the calculator can estimate a 2-month loan. The Regular SS basis is capped at ₱40,000 gross.

Gross loan is not the same as cash received. Service fee, pro-rated interest, an existing short-term-loan balance, and the amount actually applied for can reduce the final proceeds or approved amount.

Calculate My Loanable Amount

How to Compute Your SSS Salary Loan Amount

Eligibility and loan amount use different checks. Eligibility looks at your total posted contributions and whether at least 6 are posted in the 12 calendar months before filing. The amount estimate then uses your 12 latest actual posted Monthly Salary Credits (MSCs) under the Regular SS Program.

Salary Loan formula

1-month loan: average of the 12 latest posted Regular SS MSCs, rounded to the next higher applicable MSC.

2-month loan: 2 × that rounded average MSC.

The approved amount is still subject to the amount applied for and official SSS records. This calculator automatically estimates the maximum eligible level.

Example: lower MSC
Average MSC: ₱8,000
1-month estimate: ₱8,000 gross
Example: mid MSC
Average MSC: ₱12,500
2-month estimate: ₱25,000 gross
Example: maximum Regular SS basis
Average MSC: ₱20,000
2-month estimate: ₱40,000 gross

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

This calculator uses the standard 8% annual interest case for the estimate. The result also shows the 1% service fee, estimated pro-rated interest, and net proceeds. These deductions can reduce the amount you actually receive compared with the gross loan amount.

If your SSS account falls under a special renewal or condonation-related rate case, confirm the rate shown in your official SSS Disclosure Statement before relying on the estimate.

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 & 24-Month Schedule

After you calculate your loan, open View 24-Month Payment Schedule inside the result. It shows the estimated beginning balance, monthly interest, principal paid, payment, and remaining balance for all 24 amortizations.

₱20,000 and ₱40,000 SSS Salary Loan monthly amortization examples

Gross loan Estimated monthly amortization Assumption
₱20,000 about ₱904.55/month 24 months at 8% annual interest
₱40,000 about ₱1,809.09/month 24 months at 8% annual interest

These are calculator examples, not an SSS approval quote. Service fee and pro-rated interest affect net proceeds, while your official SSS Disclosure Statement controls the final repayment schedule.

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.

Land-Based OFW: may enter MSC or the full member-paid contribution. SSS also requires at least 6 posted contributions under the current land-based OFW coverage before the application month.

Sea-Based OFW: contributions are remitted through the employer/manning-agency arrangement. In this calculator, Sea-Based OFW follows the employee-share input mode and does not use the additional land-based OFW current-coverage rule.

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 applied for an amount lower than the formula maximum; SSS uses whichever is lower
  • You may have an outstanding previous short-term member-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

Why Your SSS Salary Loan May Be Rejected or Show an Error

Passing this calculator's basic contribution check does not guarantee approval. My.SSS can still block or return a Salary Loan application because of account, contribution, loan-status, employer, disbursement, or system issues.

  • Not enough total or recent posted contributions
  • Past-due loan, renewal, or previous-loan balance issue
  • DAEM / disbursement account not ready or not approved
  • Employer certification or member-record problem
  • Address, identity, or account-information mismatch
  • Pending transaction or My.SSS system/error-code issue

If My.SSS shows an exact rejection message or code such as SL48, EXCP_0, SL91, or CL46 / EL46, use the dedicated checker instead of repeatedly submitting the same application.

Check My Rejection Reason Salary Loan System Error Help

Renewing an SSS Salary Loan

Renewal follows separate SSS timing, payment-history, prior-balance, and minimum-net-proceeds rules. This calculator focuses on estimating the loan amount and monthly payment, so use the dedicated renewal guide for the complete renewal conditions.

Complete SSS Salary Loan Renewal Guide

Official SSS Salary Loan references

SSS Salary Loan Program Current eligibility, amount, interest, repayment, renewal and disbursement rules. SSS Circular No. 2025-004 Official enhanced Salary Loan guidelines currently used in 2026. My.SSS Check the actual amount offered, disclosure statement and final loan status.

Last rule review: September 15, 2026.

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.

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 po Sir Kenneth 😊 Kahit qualified ka sa SSS Salary Loan, possible pa rin na mas mababa ang **net proceeds** kaysa sa approved/gross loan amount.

Common reasons:
- may **1% service fee**
- may **pro-rated interest**
- may existing or previous short-term loan balance na ibabawas, kung applicable
- maaaring mas mababa ang actual approved loan amount base sa SSS records

Makikita sa **SSS Loan Voucher** ang breakdown ng approved amount, deductions, at net proceeds.

👉 Bakit mas mababa ang net proceeds?
https://sssmaternitybenefitscalculator.com/sss-salary-loan/what-does-net-proceeds-mean-on-the-sss-loan-voucher/

👉 Estimate your loan, net proceeds, at monthly payment:
https://sssmaternitybenefitscalculator.com/sss-salary-loan-calculator/

Kung may exact error/message na lumalabas sa My.SSS, paki-send din po yung exact wording or screenshot para masabi natin kung ano talaga ang dahilan.

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.

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