The Social Security System (SSS) is an important program in the Philippines that provides benefits such as sickness, maternity, disability, retirement, and death benefits for members. If you are an employee, self-employed, or voluntary member, knowing how to compute your monthly SSS contribution for 2025 is essential.
Why SSS Contribution Matters
Your monthly contributions serve as your savings for the future. They also ensure that you are covered in case of emergencies like illness, accidents, or even retirement. The higher your contribution, the higher your benefits.
SSS Contribution Table for 2025
For official updates, you may also check the SSS website
For 2025, the SSS contribution rate remains at 14% of the Monthly Salary Credit (MSC), which is shared between the employer and employee.
- Employee share: 4.5%
- Employer share: 9.5%
- Self-employed/Voluntary/OFW: Full 14%
The minimum MSC is ₱4,000, and the maximum is ₱30,000.
Example:
If your monthly salary is ₱20,000:
- Monthly Salary Credit = ₱20,000
- Total Contribution = 14% × ₱20,000 = ₱2,800
- Employer pays ₱1,900
- Employee pays ₱900
If you are self-employed, you shoulder the full ₱2,800.
Step-by-Step: How to Compute Your SSS Contribution
- Check your monthly salary.
- Refer to the 2025 SSS Contribution Table to find your corresponding MSC.
- Multiply the MSC by 14%.
- If employed, split the contribution between employer (9.5%) and employee (4.5%).
- If self-employed, voluntary, or an OFW, pay the full amount yourself.
How to Pay Your SSS Contribution
- Employees: Your employer automatically deducts your share and remits it to SSS.
- Self-employed/Voluntary/OFWs: Pay through SSS branches, accredited payment centers, or online channels like GCash, PayMaya, and banks.
Since contributions interact with salary deductions, it’s also useful to review the BIR guidelines on withholding taxes
Why You Should Pay on Time
Paying your contributions regularly and on time ensures that you remain eligible for benefits. Missing payments may affect your pension and claims in the future.
Final Thoughts
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Try the tool now and compute your net pay online with confidence.