The SSS contribution is 15% of your monthly salary credit — and the salary credit is not your salary. It is your compensation rounded to the nearest ₱500 step of the published schedule, then held between a floor of ₱5,000 and a ceiling of ₱35,000. That indirection is the whole calculation, and it is why taking 15% of your pay gives the wrong answer.
Of those fifteen points, you pay five and your employer pays ten. So a ₱20,000 credit means ₱3,000 in total and ₱1,000 off your payslip. A further ₱10 or ₱30 of Employees' Compensation is paid by the employer alone and never deducted from you.
Two things surprise people. The ceiling means someone on ₱40,000 and someone on ₱400,000 contribute identically. And above a ₱20,000 credit the money changes destination: contributions on the excess fund a provident account in your name rather than the pension pool. Neither changes what is deducted, and neither is explained on a payslip.
Because it is 15% of your monthly salary credit, not of your salary. The credit is your compensation rounded to the nearest ₱500 of the published schedule and then capped at both ends. On ₱23,400 the credit is ₱23,500, so the total is ₱3,525 rather than the ₱3,510 you get by taking 15% of the salary itself.
Five per cent of the salary credit. The full contribution is 15%, but your employer pays ten of those fifteen points. So on a ₱20,000 credit the total is ₱3,000 and your deduction is ₱1,000.
Because the salary credit is capped at ₱35,000. Someone on ₱40,000 and someone on ₱400,000 contribute exactly the same amount. The cap rose from ₱30,000 in January 2025 along with the rate, which is why the figure changed for higher earners that year.
Contributions on the part of your salary credit above ₱20,000 go to a provident account in your name rather than into the pension pool. It does not change what is deducted — it changes where that money sits and how it is eventually paid out. It was previously called WISP.
Employees’ Compensation, which funds benefits for work-related injury and illness. It is paid entirely by the employer and is never deducted from you, so it is not part of your share.
On total monthly compensation, which is generally more than basic pay alone. Exactly which allowances form part of it is a determination your employer makes; this tool applies the schedule to whatever figure you enter.
The schedule does, but the split does not. A self-employed or voluntary member pays the whole 15% themselves rather than five per cent — there is no employer to pay the other ten. This page shows the employed split.
61 brackets, ₱5,000 to ₱35,000.
Taking 15% of ₱23,400 directly would give ₱3,510 — ₱15 short, because the credit is ₱23,500 rather than the salary itself.
An estimate from the published schedule, for employed members. Self-employed and voluntary members pay the whole rate themselves. Check your own contribution record with SSS. Nothing you type here is sent to our servers — the calculation runs entirely in your browser.
