SSS Maternity Benefit Calculator Philippines 2026
Use this SSS maternity benefit calculator Philippines to estimate your SSS maternity cash benefit from your salary. Enter your monthly salary and the type of contingency to see your daily allowance and total benefit.
Last updated: June 2026 · Social Security System · RA 11210 (105-Day Law) · SSS Circular 2020-032
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What is the SSS maternity benefit?
The SSS maternity benefit is a cash allowance paid by the Social Security System to a qualified female member who gives birth, suffers a miscarriage, or undergoes an emergency termination of pregnancy. Under the 105-Day Expanded Maternity Leave Law (Republic Act No. 11210), it replaces a portion of your income while you are on maternity leave, and it is paid as a single benefit based on your salary credits and the type of contingency. You qualify if you have paid at least three monthly contributions within the 12-month period immediately before the semester of your childbirth, miscarriage, or emergency termination.
How the benefit is computed
SSS first works out your Average Daily Salary Credit (ADSC): it takes the six highest Monthly Salary Credits (MSC) in the 12-month period before the semester of contingency, adds them up, and divides by 180. Your daily maternity allowance is 100% of that ADSC, and your total benefit is the ADSC multiplied by the number of compensable days. The calculator above assumes your six highest MSCs are at the salary you entered — if your salary varied, your actual benefit is based on your real posted contributions.
Because SSS computes regular benefits on a monthly salary credit (MSC) capped at ₱20,000, the maximum average daily salary credit is ₱666.67, which works out to a maximum benefit of ₱70,000 for a 105-day live childbirth. (Contributions on the portion of your MSC above ₱20,000 fund the separate WISP provident-fund savings, not the maternity cash benefit.) If you are employed, the SSS benefit is not the end of the story: your employer pays a salary differential to top you up to your full pay during the leave, so the SSS amount is the floor rather than the total you receive.
Maternity Benefit Compensable Days
| Contingency | Compensable Days |
|---|---|
| Live childbirth (normal or cesarean) | 105 days |
| Solo parent (RA 8972) | 120 days |
| Miscarriage / emergency termination | 60 days |
Frequently Asked Questions
How is the SSS maternity benefit computed?
Your Average Daily Salary Credit (the total of your six highest monthly salary credits in the 12 months before the semester of contingency, divided by 180) is multiplied by the number of compensable days. The daily allowance is 100% of the ADSC.
How many days of maternity benefit can I get?
105 days for a live childbirth, 120 days if you are a solo parent under RA 8972, and 60 days for a miscarriage or emergency termination of pregnancy.
Who is eligible for the SSS maternity benefit?
A female member who has paid at least three monthly contributions within the 12-month period immediately before the semester of her childbirth, miscarriage, or emergency termination. Contributions paid within or after that semester are not counted.
What is the maximum maternity benefit?
With the MSC for benefit computation capped at ₱20,000, the maximum daily allowance is ₱666.67. That is about ₱70,000 for a 105-day live childbirth, ₱80,000 for 120 days, or ₱40,000 for 60 days.
Related calculators & guides
📋 Rates verified — Official sources: sss.gov.ph (maternity benefit) · RA 11210 (105-Day Expanded Maternity Leave Law) · SSS Circular 2020-032 (WISP — ₱20,000 benefit MSC cap)
⚠️ This is general information, not financial, tax, or legal advice. KnowMyGovt is an independent service — not affiliated with or endorsed by the SSS, PhilHealth, Pag-IBIG, the BIR, DOLE, or the Philippine government — and is not liable for decisions made in reliance on it.
