SSS Philippines 2026
Everything you need to know about your SSS contributions, pension, salary loan, and benefits — free calculators, complete contribution tables by member type, forms, and plain-language guides.
Last updated: January 2026 · Social Security System · RA 11199 · SSS Circular 2024-006
What is SSS?
The Social Security System (SSS) is the Philippine government’s mandatory social insurance program for private sector workers. Every month 5% of your salary is deducted and matched by your employer’s 10% — that 15% total builds your eligibility for retirement pension, disability benefits, sickness allowance, maternity benefits, and salary loans. SSS is not a tax you lose — it’s a savings and insurance system that pays you back.
The contribution rate reached its final level of 15% in 2025 under Republic Act No. 11199 (Social Security Act of 2018) and stays at 15% for 2026. Your contributions are based on your Monthly Salary Credit (MSC) — a salary bracket system that determines your exact contribution amount. The minimum MSC is ₱5,000 and the maximum is ₱35,000.
SSS 2026 Key Rates
| Concept | Value | Source |
|---|---|---|
| Total contribution rate | 15% | SSS Circular 2024-006 |
| Employee share | 5% | RA 11199 |
| Employer share | 10% | RA 11199 |
| Minimum MSC | ₱5,000 | SSS Circular 2024-006 |
| Maximum MSC | ₱35,000 | SSS Circular 2024-006 |
| Max employee contribution | ₱1,750/month | SSS Circular 2024-006 |
| OFW minimum MSC | ₱8,000 | SSS Circular 2024-010 |
| Kasambahay minimum MSC | ₱1,000 | SSS Circular 2024-007 |
| Salary loan interest rate | 10% per year | SSS |
What You’ll Find in This Section
- SSS Contribution Calculator — Compute your exact monthly SSS contribution by member type
- SSS Pension Calculator — Estimate your monthly retirement pension based on your contributions
- SSS Salary Loan Calculator — Calculate your maximum loanable amount and monthly amortization
- SSS Contribution Table — Employee — Complete 2026 bracket table for employed members
- SSS Contribution Table — Self-Employed — Full table for freelancers and business owners
- SSS Contribution Table — OFW — Contribution table for Overseas Filipino Workers
- SSS Contribution Table — Voluntary — Table for voluntary and non-working spouse members
- SSS Contribution Table — Kasambahay — Household employer and kasambahay contribution table
- SSS E1 Form — How to fill out and submit the SSS membership registration form
- SSS ACOP Form — Annual Confirmation of Pensioners form guide
- SSS Sickness Notification Form — How to file your sickness notification
Also in Philippines:
📋 Rates verified — Official sources: sss.gov.ph · SSS Circular 2024-006 · RA 11199 (Social Security Act of 2018)
⚠️ This page is for informational purposes only and does not constitute financial or legal advice. KnowMyGovt is not affiliated with SSS or the Philippine government. For official transactions visit sss.gov.ph.
