SSS Contribution Table 2026: How Much to Pay
SSS contributions are 15% in 2026 with minimum MSC at ₱5,000 and maximum ₱35,000. Use the table to find your exact amount, avoid underpayment, and pay through the app to build your retirement savings.
Starting January 2026, SSS contributions are 15% of your Monthly Salary Credit (MSC), with employees paying 5% and employers 10%, under Republic Act No. 11199 (Social Security Act of 2018). Minimum MSC is ₱5,000 (up from ₱4,000), maximum ₱35,000 (up from ₱30,000), and it includes a Mandatory Provident Fund (MPF) added to the employer share.
SSS uses fixed MSC levels based on salary ranges, not your exact gross pay. If you earn ₱20,250–20,749 monthly, your MSC is ₱20,500; total contribution ₱3,075 (your share: ₱1,025; employer: ₱2,050, including ₱75 MPF). At ₱25,250–25,749, MSC is ₱25,500; total ₱3,855 (you: ₱1,275; employer: ₱2,580). Check the full table on the SSS website to find your range quickly.
Key 2026 SSS Table for Employees
These figures include MPF, effective January 2026.
| Salary Range (₱) | MSC (₱) | Your Share (5%) | Employer Share (10% + MPF) | Total Monthly | |------------------|---------|-----------------|----------------------------|--------------| | Up to 4,999.99 | 5,000 | 250 | 500 + 50 | 800 | | 15,250–15,749 | 15,500 | 775 | 1,550 + 30 | 2,355 | | 20,250–20,749 | 20,500 | 1,025 | 2,050 + 75 | 3,150 | | 25,250–25,749 | 25,500 | 1,275 | 2,550 + 30 | 3,855 | | 30,250–30,749 | 30,500 | 1,525 | 3,050 + 30 | 4,605 | | 35,000+ | 35,000 | 1,750 | 3,500 + 0 | 5,250 |
Total caps at ₱5,250 for salaries over ₱35,000. Cashiers earning ₱15k–20k face ₱2,300–3,100 monthly totals, with most covered by the employer.
Self-Employed or Voluntary Members: Pay the Full 15%
Without an employer, you pay the full 15% on your chosen MSC (minimum ₱5,000, total ₱750). A freelancer picking ₱25,000 MSC pays ₱3,750 monthly, including MPF benefits. Log into My.SSS, update your income, generate a payment reference, and pay via GCash. I know one store owner who skipped payments and lost coverage credits.
OFWs: Higher Minimum MSC
Overseas workers have a minimum MSC of ₱8,000 to account for higher costs abroad. Full 15% table:
| MSC (₱) | Total (15%) | |---------|-------------| | 8,000 | 1,200 | | 10,000 | 1,500 | | 15,000 | 2,250 | | 20,000 | 3,000 | | 25,000 | 3,750 | | 30,000 | 4,500 | | 35,000 | 5,250 |
For a ₱20k remittance, that's ₱3,000 monthly via app or partners.
How to Calculate Step-by-Step
- Match your salary to the range (e.g., ₱24,750 falls in 24,750–25,249 bracket, MSC ₱25,000).
- Employee: 5% = ₱1,250; employer 10% + MPF ≈ ₱2,625; total ~₱3,875.
- Self-employed: 15% = ₱3,750.
The SSS calculator handles this easily. Watch out: A gross of ₱20,000 brackets to ₱20,500 MSC, adding ₱75 monthly or ₱900 yearly.
Easy Payment Options
Skip the branches. - SSS app: Link GCash or your bank, no fees. - Employer deducts yours and remits—check your pay stub. - Self-employed/OFW: Meet monthly deadlines or face 1–5% daily penalties.
Drivers often pay quarterly at banks to save trips. Apps cut queues, but spotty signal in provinces can still cause issues.
RA 11199 rolls out these changes to keep SSS funded through 2053 despite inflation. Higher contributions now build bigger pensions—a ₱20k MSC might mean ₱12k+ monthly later.
Common Errors to Avoid
- Using old 14% rates (minimum now ₱750 vs. ₱560).
- Picking the wrong bracket or forgetting MPF.
- OFWs dipping below ₱8k MSC—payments get rejected.
Check your My.SSS history and dispute errors online.
High-Earner Quick View
| Salary Range (₱) | MSC | Total | Your Part | |------------------|--------|-------|-----------| | 30,750–31,249 | 31,000 | 4,650 | 1,550 | | 34,750+ | 35,000 | 5,250 | 1,750 |
Check My.SSS or the app. Line up your last payment with the table and settle via GCash if needed—takes about five minutes to stay covered.