Not sure how much you should pay to SSS? You’re not alone. The numbers can look confusing at first. This guide makes it simple. You’ll see the full contribution table, learn how to compute your share, and find out how to pay.
What Is the SSS Contribution?
SSS contributions are monthly payments made to the Social Security System. They build your SSS record. They also fund your future benefits.
These benefits include:
- Retirement
- Sickness
- Maternity
- Disability
- Death and funeral
- Unemployment
Paying on time keeps your record active. It also helps you qualify for benefits when you need them.
SSS Contribution Rate for 2026
The total contribution rate is 15% of your Monthly Salary Credit (MSC).
For employed members, it is split like this:
- Employer: 10%
- Employee: 5%
Here are the key limits:
- Minimum MSC: ₱5,000 (₱8,000 for land-based OFWs)
- Maximum MSC: ₱35,000
Employers also pay a small Employees’ Compensation (EC) amount. It is ₱10 for lower MSCs and ₱30 for higher ones.
SSS Contribution Table 2026 (Employed Members)
This table is for business employers and their employees. It is based on the official SSS schedule that took effect in January 2025.
The employer share includes the EC amount.
| Range of Compensation | MSC | Employer | Employee | Total |
| Below 5,250 | 5,000 | 510.00 | 250.00 | 760.00 |
| 5,250 – 5,749.99 | 5,500 | 560.00 | 275.00 | 835.00 |
| 5,750 – 6,249.99 | 6,000 | 610.00 | 300.00 | 910.00 |
| 6,250 – 6,749.99 | 6,500 | 660.00 | 325.00 | 985.00 |
| 6,750 – 7,249.99 | 7,000 | 710.00 | 350.00 | 1,060.00 |
| 7,250 – 7,749.99 | 7,500 | 760.00 | 375.00 | 1,135.00 |
| 7,750 – 8,249.99 | 8,000 | 810.00 | 400.00 | 1,210.00 |
| 8,250 – 8,749.99 | 8,500 | 860.00 | 425.00 | 1,285.00 |
| 8,750 – 9,249.99 | 9,000 | 910.00 | 450.00 | 1,360.00 |
| 9,250 – 9,749.99 | 9,500 | 960.00 | 475.00 | 1,435.00 |
| 9,750 – 10,249.99 | 10,000 | 1,010.00 | 500.00 | 1,510.00 |
| 10,250 – 10,749.99 | 10,500 | 1,060.00 | 525.00 | 1,585.00 |
| 10,750 – 11,249.99 | 11,000 | 1,110.00 | 550.00 | 1,660.00 |
| 11,250 – 11,749.99 | 11,500 | 1,160.00 | 575.00 | 1,735.00 |
| 11,750 – 12,249.99 | 12,000 | 1,210.00 | 600.00 | 1,810.00 |
| 12,250 – 12,749.99 | 12,500 | 1,260.00 | 625.00 | 1,885.00 |
| 12,750 – 13,249.99 | 13,000 | 1,310.00 | 650.00 | 1,960.00 |
| 13,250 – 13,749.99 | 13,500 | 1,360.00 | 675.00 | 2,035.00 |
| 13,750 – 14,249.99 | 14,000 | 1,410.00 | 700.00 | 2,110.00 |
| 14,250 – 14,749.99 | 14,500 | 1,460.00 | 725.00 | 2,185.00 |
| 14,750 – 15,249.99 | 15,000 | 1,530.00 | 750.00 | 2,280.00 |
| 15,250 – 15,749.99 | 15,500 | 1,580.00 | 775.00 | 2,355.00 |
| 15,750 – 16,249.99 | 16,000 | 1,630.00 | 800.00 | 2,430.00 |
| 16,250 – 16,749.99 | 16,500 | 1,680.00 | 825.00 | 2,505.00 |
| 16,750 – 17,249.99 | 17,000 | 1,730.00 | 850.00 | 2,580.00 |
| 17,250 – 17,749.99 | 17,500 | 1,780.00 | 875.00 | 2,655.00 |
| 17,750 – 18,249.99 | 18,000 | 1,830.00 | 900.00 | 2,730.00 |
| 18,250 – 18,749.99 | 18,500 | 1,880.00 | 925.00 | 2,805.00 |
| 18,750 – 19,249.99 | 19,000 | 1,930.00 | 950.00 | 2,880.00 |
| 19,250 – 19,749.99 | 19,500 | 1,980.00 | 975.00 | 2,955.00 |
| 19,750 – 20,249.99 | 20,000 | 2,030.00 | 1,000.00 | 3,030.00 |
| 20,250 – 20,749.99 | 20,500 | 2,080.00 | 1,025.00 | 3,105.00 |
| 20,750 – 21,249.99 | 21,000 | 2,130.00 | 1,050.00 | 3,180.00 |
| 21,250 – 21,749.99 | 21,500 | 2,180.00 | 1,075.00 | 3,255.00 |
| 21,750 – 22,249.99 | 22,000 | 2,230.00 | 1,100.00 | 3,330.00 |
| 22,250 – 22,749.99 | 22,500 | 2,280.00 | 1,125.00 | 3,405.00 |
| 22,750 – 23,249.99 | 23,000 | 2,330.00 | 1,150.00 | 3,480.00 |
| 23,250 – 23,749.99 | 23,500 | 2,380.00 | 1,175.00 | 3,555.00 |
| 23,750 – 24,249.99 | 24,000 | 2,430.00 | 1,200.00 | 3,630.00 |
| 24,250 – 24,749.99 | 24,500 | 2,480.00 | 1,225.00 | 3,705.00 |
| 24,750 – 25,249.99 | 25,000 | 2,530.00 | 1,250.00 | 3,780.00 |
| 25,250 – 25,749.99 | 25,500 | 2,580.00 | 1,275.00 | 3,855.00 |
| 25,750 – 26,249.99 | 26,000 | 2,630.00 | 1,300.00 | 3,930.00 |
| 26,250 – 26,749.99 | 26,500 | 2,680.00 | 1,325.00 | 4,005.00 |
| 26,750 – 27,249.99 | 27,000 | 2,730.00 | 1,350.00 | 4,080.00 |
| 27,250 – 27,749.99 | 27,500 | 2,780.00 | 1,375.00 | 4,155.00 |
| 27,750 – 28,249.99 | 28,000 | 2,830.00 | 1,400.00 | 4,230.00 |
| 28,250 – 28,749.99 | 28,500 | 2,880.00 | 1,425.00 | 4,305.00 |
| 28,750 – 29,249.99 | 29,000 | 2,930.00 | 1,450.00 | 4,380.00 |
| 29,250 – 29,749.99 | 29,500 | 2,980.00 | 1,475.00 | 4,455.00 |
| 29,750 – 30,249.99 | 30,000 | 3,030.00 | 1,500.00 | 4,530.00 |
| 30,250 – 30,749.99 | 30,500 | 3,080.00 | 1,525.00 | 4,605.00 |
| 30,750 – 31,249.99 | 31,000 | 3,130.00 | 1,550.00 | 4,680.00 |
| 31,250 – 31,749.99 | 31,500 | 3,180.00 | 1,575.00 | 4,755.00 |
| 31,750 – 32,249.99 | 32,000 | 3,230.00 | 1,600.00 | 4,830.00 |
| 32,250 – 32,749.99 | 32,500 | 3,280.00 | 1,625.00 | 4,905.00 |
| 32,750 – 33,249.99 | 33,000 | 3,330.00 | 1,650.00 | 4,980.00 |
| 33,250 – 33,749.99 | 33,500 | 3,380.00 | 1,675.00 | 5,055.00 |
| 33,750 – 34,249.99 | 34,000 | 3,430.00 | 1,700.00 | 5,130.00 |
| 34,250 – 34,749.99 | 34,500 | 3,480.00 | 1,725.00 | 5,205.00 |
| 34,750 and over | 35,000 | 3,530.00 | 1,750.00 | 5,280.00 |
Good to know:
- Contributions up to ₱20,000 MSC go to the Regular SS program.
- Any amount above ₱20,000 MSC, up to ₱35,000, goes to the MPF (Mandatory Provident Fund) program.
- MPF savings are credited to your own individual account.
How to Use the SSS Contribution Table
It’s easy. Just follow these steps.
- Find your monthly salary. Use your gross monthly pay.
- Match it to a range. Look at the “Range of Compensation” column.
- Check your MSC. This is the amount SSS uses for your contribution.
- See your share. Read the Employer, Employee, and Total columns.
Example: Your salary is ₱18,000.
- Range: 17,750 – 18,249.99
- MSC: ₱18,000
- Your share: ₱900
- Employer share: ₱1,830
- Total: ₱2,730
SSS Contribution for Different Member Types
Your contribution depends on your member type. Here’s a quick look.
| Member Type | Min MSC | Max MSC | Total at Min | Total at Max |
| Employed | 5,000 | 35,000 | 760.00 | 5,280.00 |
| Self-employed | 5,000 | 35,000 | 760.00 | 5,280.00 |
| Voluntary / Non-working spouse | 5,000 | 35,000 | 750.00 | 5,250.00 |
| Land-based OFW | 8,000 | 35,000 | 1,200.00 | 5,250.00 |
| Household employer and kasambahay | 1,000 | 35,000 | 160.00 | 5,280.00 |
Employed members
You pay 5%. Your employer pays 10% plus EC.
Self-employed members
You pay the full amount yourself. This includes a small EC amount of ₱10 or ₱30.
Voluntary members and non-working spouses
You pay the full 15%. There is no EC amount.
Land-based OFWs
You pay the full 15%. The minimum MSC is ₱8,000.
Household employers and kasambahay
The household employer pays the EC amount. For MSC below ₱5,000, only the household employer pays. For ₱5,000 and above, the kasambahay pays 5% of the MSC. The household employer pays the rest.
Quick examples (MSC ₱10,000 and ₱20,000):
| Member Type | MSC ₱10,000 | MSC ₱20,000 |
| Self-employed | 1,510.00 | 3,030.00 |
| Voluntary / Non-working spouse | 1,500.00 | 3,000.00 |
| Land-based OFW | 1,500.00 | 3,000.00 |
How to Compute Your SSS Contribution
The formula is simple:
MSC × 15% = Total contribution
For employed members:
- Employer: MSC × 10% (plus EC)
- Employee: MSC × 5%
Example 1: MSC of ₱25,000
- Employee share: ₱1,250
- Employer share: ₱2,500 + ₱30 EC = ₱2,530
- Total: ₱3,780
Example 2: Self-employed with MSC of ₱10,000
- 15% of ₱10,000 = ₱1,500
- Add ₱10 EC
- Total: ₱1,510
How to Pay Your SSS Contribution
Employed members don’t need to pay on their own. Your employer deducts your share and remits it.
Self-employed, voluntary, and OFW members pay by themselves.
- Log in to your My.SSS account. Need help? Read our SSS Login guide.
- Generate a Payment Reference Number (PRN).
- Choose your payment option.
- Pay the exact amount on your PRN.
- Keep your receipt or confirmation.
Common payment options:
- Online banking
- E-wallets
- Accredited payment centers
Pay on or before your deadline. Check your PRN for the due date.
Need a branch visit instead? Book a slot using our SSS Online Appointment guide.
How to Check Your SSS Contributions Online
Want to see if your payments were posted? It only takes a minute.
- Log in to My.SSS. See our SSS Login guide.
- Go to the Inquiry menu.
- Open Contributions.
- Review your records by month.
Missing a contribution?
- Check your payment receipt.
- Ask your employer if you’re an employed member.
- Contact SSS or visit a branch with proof of payment.
Don’t have an account yet? Read our SSS Online Registration guide.
Common Mistakes to Avoid
Small mistakes can cause big problems. Avoid these:
- Paying the wrong amount. Always match your PRN.
- Paying late. Late payments may not be posted.
- Using an old table. Rates change. Check the latest schedule.
- Employer not remitting. Check your records often.
- Wrong reference details. Double-check before you pay.
FAQs
How much is the SSS contribution in 2026?
The rate is 15% of your MSC. The amount depends on your salary and member type.
What is the minimum SSS contribution?
For employed members, the minimum total is ₱760. Your share is ₱250.
What is the maximum SSS contribution?
For employed members, the maximum total is ₱5,280. Your share is ₱1,750.
How much does the employer pay?
Employers pay 10% of the MSC, plus EC of ₱10 or ₱30.
Can I pay SSS contributions in advance?
Yes. Follow SSS rules for advance payments.
What happens if I miss a payment?
Your contribution for that month may not be posted. This can affect your benefits.
Can I check my contributions online?
Yes. Log in to My.SSS and open your contribution records.
Conclusion
The SSS contribution table makes it easy to know what you owe. Find your salary range, check your MSC, and see your share. Pay on time to protect your benefits. Always check the official SSS website for the latest schedule.