Calculator
Based on the official SSS schedule effective January 2025 (Circulars 2024-006 to 2024-010), which is still the current table in 2026. Runs on your phone only; nothing is sent or saved.
How much you pay
| Member type | Minimum MSC | Minimum/month | Maximum/month (MSC ₱35,000) | EC included? |
|---|---|---|---|---|
| Voluntary member (VM) | ₱5,000 | ₱750 | ₱5,250 | No |
| Non-working spouse (NWS) | ₱5,000 | ₱750 | ₱5,250 | No |
| Self-employed (SE) | ₱5,000 | ₱760 | ₱5,280 | Yes, ₱10 or ₱30 |
| Land-based OFW | ₱8,000 | ₱1,200 | ₱5,250 | No |
From SSS Circulars 2024-008 (self-employed), 2024-009 (voluntary and NWS) and 2024-010 (land-based OFWs), effective January 2025 and still current in 2026.
Choosing your MSC
Per the SSS:
- Voluntary member, first time: you can choose any MSC in the table, whatever your age or last posted MSC.
- Self-employed: your MSC is based on the monthly earnings you declared at registration.
- Non-working spouse: your starting MSC is 50% of your working spouse's declared monthly income (rounded up to the next MSC).
- OFW: the minimum MSC is ₱8,000, even if you earn less.
Changing your MSC
- Below 55 years old: you can raise or lower your MSC any time, by any number of brackets, without submitting proof or a request, as long as it doesn't go below your category's minimum.
- 55 and above: you can increase only once a year, by one bracket. (Exceptions: switching to VM or OFW for the first time, or when a new higher maximum MSC takes effect.) Decreases have no limit.
A higher MSC means higher benefits, up to ₱20,000. Regular SSS benefits are computed on an MSC of up to ₱20,000. Paying on more than that builds your MySSS Pension Booster account instead, which pays out its accumulated value (contributions plus investment income) together with your retirement, disability or death benefit.
Voluntary and non-working spouse table
| Monthly earnings | MSC | You pay |
|---|---|---|
| Below ₱5,250 | ₱5,000.00 | ₱750.00 |
| ₱5,250 – ₱5,749.99 | ₱5,500.00 | ₱825.00 |
| ₱5,750 – ₱6,249.99 | ₱6,000.00 | ₱900.00 |
| ₱6,250 – ₱6,749.99 | ₱6,500.00 | ₱975.00 |
| ₱6,750 – ₱7,249.99 | ₱7,000.00 | ₱1,050.00 |
| ₱7,250 – ₱7,749.99 | ₱7,500.00 | ₱1,125.00 |
| ₱7,750 – ₱8,249.99 | ₱8,000.00 | ₱1,200.00 |
| ₱8,250 – ₱8,749.99 | ₱8,500.00 | ₱1,275.00 |
| ₱8,750 – ₱9,249.99 | ₱9,000.00 | ₱1,350.00 |
| ₱9,250 – ₱9,749.99 | ₱9,500.00 | ₱1,425.00 |
| ₱9,750 – ₱10,249.99 | ₱10,000.00 | ₱1,500.00 |
| ₱10,250 – ₱10,749.99 | ₱10,500.00 | ₱1,575.00 |
| ₱10,750 – ₱11,249.99 | ₱11,000.00 | ₱1,650.00 |
| ₱11,250 – ₱11,749.99 | ₱11,500.00 | ₱1,725.00 |
| ₱11,750 – ₱12,249.99 | ₱12,000.00 | ₱1,800.00 |
| ₱12,250 – ₱12,749.99 | ₱12,500.00 | ₱1,875.00 |
| ₱12,750 – ₱13,249.99 | ₱13,000.00 | ₱1,950.00 |
| ₱13,250 – ₱13,749.99 | ₱13,500.00 | ₱2,025.00 |
| ₱13,750 – ₱14,249.99 | ₱14,000.00 | ₱2,100.00 |
| ₱14,250 – ₱14,749.99 | ₱14,500.00 | ₱2,175.00 |
| ₱14,750 – ₱15,249.99 | ₱15,000.00 | ₱2,250.00 |
| ₱15,250 – ₱15,749.99 | ₱15,500.00 | ₱2,325.00 |
| ₱15,750 – ₱16,249.99 | ₱16,000.00 | ₱2,400.00 |
| ₱16,250 – ₱16,749.99 | ₱16,500.00 | ₱2,475.00 |
| ₱16,750 – ₱17,249.99 | ₱17,000.00 | ₱2,550.00 |
| ₱17,250 – ₱17,749.99 | ₱17,500.00 | ₱2,625.00 |
| ₱17,750 – ₱18,249.99 | ₱18,000.00 | ₱2,700.00 |
| ₱18,250 – ₱18,749.99 | ₱18,500.00 | ₱2,775.00 |
| ₱18,750 – ₱19,249.99 | ₱19,000.00 | ₱2,850.00 |
| ₱19,250 – ₱19,749.99 | ₱19,500.00 | ₱2,925.00 |
| ₱19,750 – ₱20,249.99 | ₱20,000.00 | ₱3,000.00 |
| ₱20,250 – ₱20,749.99 | ₱20,500.00 | ₱3,075.00 |
| ₱20,750 – ₱21,249.99 | ₱21,000.00 | ₱3,150.00 |
| ₱21,250 – ₱21,749.99 | ₱21,500.00 | ₱3,225.00 |
| ₱21,750 – ₱22,249.99 | ₱22,000.00 | ₱3,300.00 |
| ₱22,250 – ₱22,749.99 | ₱22,500.00 | ₱3,375.00 |
| ₱22,750 – ₱23,249.99 | ₱23,000.00 | ₱3,450.00 |
| ₱23,250 – ₱23,749.99 | ₱23,500.00 | ₱3,525.00 |
| ₱23,750 – ₱24,249.99 | ₱24,000.00 | ₱3,600.00 |
| ₱24,250 – ₱24,749.99 | ₱24,500.00 | ₱3,675.00 |
| ₱24,750 – ₱25,249.99 | ₱25,000.00 | ₱3,750.00 |
| ₱25,250 – ₱25,749.99 | ₱25,500.00 | ₱3,825.00 |
| ₱25,750 – ₱26,249.99 | ₱26,000.00 | ₱3,900.00 |
| ₱26,250 – ₱26,749.99 | ₱26,500.00 | ₱3,975.00 |
| ₱26,750 – ₱27,249.99 | ₱27,000.00 | ₱4,050.00 |
| ₱27,250 – ₱27,749.99 | ₱27,500.00 | ₱4,125.00 |
| ₱27,750 – ₱28,249.99 | ₱28,000.00 | ₱4,200.00 |
| ₱28,250 – ₱28,749.99 | ₱28,500.00 | ₱4,275.00 |
| ₱28,750 – ₱29,249.99 | ₱29,000.00 | ₱4,350.00 |
| ₱29,250 – ₱29,749.99 | ₱29,500.00 | ₱4,425.00 |
| ₱29,750 – ₱30,249.99 | ₱30,000.00 | ₱4,500.00 |
| ₱30,250 – ₱30,749.99 | ₱30,500.00 | ₱4,575.00 |
| ₱30,750 – ₱31,249.99 | ₱31,000.00 | ₱4,650.00 |
| ₱31,250 – ₱31,749.99 | ₱31,500.00 | ₱4,725.00 |
| ₱31,750 – ₱32,249.99 | ₱32,000.00 | ₱4,800.00 |
| ₱32,250 – ₱32,749.99 | ₱32,500.00 | ₱4,875.00 |
| ₱32,750 – ₱33,249.99 | ₱33,000.00 | ₱4,950.00 |
| ₱33,250 – ₱33,749.99 | ₱33,500.00 | ₱5,025.00 |
| ₱33,750 – ₱34,249.99 | ₱34,000.00 | ₱5,100.00 |
| ₱34,250 – ₱34,749.99 | ₱34,500.00 | ₱5,175.00 |
| ₱34,750 and over | ₱35,000.00 | ₱5,250.00 |
Self-employed table
Self-employed members also pay EC: ₱10 for an MSC of ₱14,500 and below, ₱30 for ₱15,000 and above (covered since September 2020).
| Monthly earnings | MSC | You pay (incl. EC) |
|---|---|---|
| Below ₱5,250 | ₱5,000.00 | ₱760.00 |
| ₱5,250 – ₱5,749.99 | ₱5,500.00 | ₱835.00 |
| ₱5,750 – ₱6,249.99 | ₱6,000.00 | ₱910.00 |
| ₱6,250 – ₱6,749.99 | ₱6,500.00 | ₱985.00 |
| ₱6,750 – ₱7,249.99 | ₱7,000.00 | ₱1,060.00 |
| ₱7,250 – ₱7,749.99 | ₱7,500.00 | ₱1,135.00 |
| ₱7,750 – ₱8,249.99 | ₱8,000.00 | ₱1,210.00 |
| ₱8,250 – ₱8,749.99 | ₱8,500.00 | ₱1,285.00 |
| ₱8,750 – ₱9,249.99 | ₱9,000.00 | ₱1,360.00 |
| ₱9,250 – ₱9,749.99 | ₱9,500.00 | ₱1,435.00 |
| ₱9,750 – ₱10,249.99 | ₱10,000.00 | ₱1,510.00 |
| ₱10,250 – ₱10,749.99 | ₱10,500.00 | ₱1,585.00 |
| ₱10,750 – ₱11,249.99 | ₱11,000.00 | ₱1,660.00 |
| ₱11,250 – ₱11,749.99 | ₱11,500.00 | ₱1,735.00 |
| ₱11,750 – ₱12,249.99 | ₱12,000.00 | ₱1,810.00 |
| ₱12,250 – ₱12,749.99 | ₱12,500.00 | ₱1,885.00 |
| ₱12,750 – ₱13,249.99 | ₱13,000.00 | ₱1,960.00 |
| ₱13,250 – ₱13,749.99 | ₱13,500.00 | ₱2,035.00 |
| ₱13,750 – ₱14,249.99 | ₱14,000.00 | ₱2,110.00 |
| ₱14,250 – ₱14,749.99 | ₱14,500.00 | ₱2,185.00 |
| ₱14,750 – ₱15,249.99 | ₱15,000.00 | ₱2,280.00 |
| ₱15,250 – ₱15,749.99 | ₱15,500.00 | ₱2,355.00 |
| ₱15,750 – ₱16,249.99 | ₱16,000.00 | ₱2,430.00 |
| ₱16,250 – ₱16,749.99 | ₱16,500.00 | ₱2,505.00 |
| ₱16,750 – ₱17,249.99 | ₱17,000.00 | ₱2,580.00 |
| ₱17,250 – ₱17,749.99 | ₱17,500.00 | ₱2,655.00 |
| ₱17,750 – ₱18,249.99 | ₱18,000.00 | ₱2,730.00 |
| ₱18,250 – ₱18,749.99 | ₱18,500.00 | ₱2,805.00 |
| ₱18,750 – ₱19,249.99 | ₱19,000.00 | ₱2,880.00 |
| ₱19,250 – ₱19,749.99 | ₱19,500.00 | ₱2,955.00 |
| ₱19,750 – ₱20,249.99 | ₱20,000.00 | ₱3,030.00 |
| ₱20,250 – ₱20,749.99 | ₱20,500.00 | ₱3,105.00 |
| ₱20,750 – ₱21,249.99 | ₱21,000.00 | ₱3,180.00 |
| ₱21,250 – ₱21,749.99 | ₱21,500.00 | ₱3,255.00 |
| ₱21,750 – ₱22,249.99 | ₱22,000.00 | ₱3,330.00 |
| ₱22,250 – ₱22,749.99 | ₱22,500.00 | ₱3,405.00 |
| ₱22,750 – ₱23,249.99 | ₱23,000.00 | ₱3,480.00 |
| ₱23,250 – ₱23,749.99 | ₱23,500.00 | ₱3,555.00 |
| ₱23,750 – ₱24,249.99 | ₱24,000.00 | ₱3,630.00 |
| ₱24,250 – ₱24,749.99 | ₱24,500.00 | ₱3,705.00 |
| ₱24,750 – ₱25,249.99 | ₱25,000.00 | ₱3,780.00 |
| ₱25,250 – ₱25,749.99 | ₱25,500.00 | ₱3,855.00 |
| ₱25,750 – ₱26,249.99 | ₱26,000.00 | ₱3,930.00 |
| ₱26,250 – ₱26,749.99 | ₱26,500.00 | ₱4,005.00 |
| ₱26,750 – ₱27,249.99 | ₱27,000.00 | ₱4,080.00 |
| ₱27,250 – ₱27,749.99 | ₱27,500.00 | ₱4,155.00 |
| ₱27,750 – ₱28,249.99 | ₱28,000.00 | ₱4,230.00 |
| ₱28,250 – ₱28,749.99 | ₱28,500.00 | ₱4,305.00 |
| ₱28,750 – ₱29,249.99 | ₱29,000.00 | ₱4,380.00 |
| ₱29,250 – ₱29,749.99 | ₱29,500.00 | ₱4,455.00 |
| ₱29,750 – ₱30,249.99 | ₱30,000.00 | ₱4,530.00 |
| ₱30,250 – ₱30,749.99 | ₱30,500.00 | ₱4,605.00 |
| ₱30,750 – ₱31,249.99 | ₱31,000.00 | ₱4,680.00 |
| ₱31,250 – ₱31,749.99 | ₱31,500.00 | ₱4,755.00 |
| ₱31,750 – ₱32,249.99 | ₱32,000.00 | ₱4,830.00 |
| ₱32,250 – ₱32,749.99 | ₱32,500.00 | ₱4,905.00 |
| ₱32,750 – ₱33,249.99 | ₱33,000.00 | ₱4,980.00 |
| ₱33,250 – ₱33,749.99 | ₱33,500.00 | ₱5,055.00 |
| ₱33,750 – ₱34,249.99 | ₱34,000.00 | ₱5,130.00 |
| ₱34,250 – ₱34,749.99 | ₱34,500.00 | ₱5,205.00 |
| ₱34,750 and over | ₱35,000.00 | ₱5,280.00 |
Land-based OFW table
| Monthly earnings | MSC | You pay |
|---|---|---|
| Below ₱8,250 | ₱8,000.00 | ₱1,200.00 |
| ₱8,250 – ₱8,749.99 | ₱8,500.00 | ₱1,275.00 |
| ₱8,750 – ₱9,249.99 | ₱9,000.00 | ₱1,350.00 |
| ₱9,250 – ₱9,749.99 | ₱9,500.00 | ₱1,425.00 |
| ₱9,750 – ₱10,249.99 | ₱10,000.00 | ₱1,500.00 |
| ₱10,250 – ₱10,749.99 | ₱10,500.00 | ₱1,575.00 |
| ₱10,750 – ₱11,249.99 | ₱11,000.00 | ₱1,650.00 |
| ₱11,250 – ₱11,749.99 | ₱11,500.00 | ₱1,725.00 |
| ₱11,750 – ₱12,249.99 | ₱12,000.00 | ₱1,800.00 |
| ₱12,250 – ₱12,749.99 | ₱12,500.00 | ₱1,875.00 |
| ₱12,750 – ₱13,249.99 | ₱13,000.00 | ₱1,950.00 |
| ₱13,250 – ₱13,749.99 | ₱13,500.00 | ₱2,025.00 |
| ₱13,750 – ₱14,249.99 | ₱14,000.00 | ₱2,100.00 |
| ₱14,250 – ₱14,749.99 | ₱14,500.00 | ₱2,175.00 |
| ₱14,750 – ₱15,249.99 | ₱15,000.00 | ₱2,250.00 |
| ₱15,250 – ₱15,749.99 | ₱15,500.00 | ₱2,325.00 |
| ₱15,750 – ₱16,249.99 | ₱16,000.00 | ₱2,400.00 |
| ₱16,250 – ₱16,749.99 | ₱16,500.00 | ₱2,475.00 |
| ₱16,750 – ₱17,249.99 | ₱17,000.00 | ₱2,550.00 |
| ₱17,250 – ₱17,749.99 | ₱17,500.00 | ₱2,625.00 |
| ₱17,750 – ₱18,249.99 | ₱18,000.00 | ₱2,700.00 |
| ₱18,250 – ₱18,749.99 | ₱18,500.00 | ₱2,775.00 |
| ₱18,750 – ₱19,249.99 | ₱19,000.00 | ₱2,850.00 |
| ₱19,250 – ₱19,749.99 | ₱19,500.00 | ₱2,925.00 |
| ₱19,750 – ₱20,249.99 | ₱20,000.00 | ₱3,000.00 |
| ₱20,250 – ₱20,749.99 | ₱20,500.00 | ₱3,075.00 |
| ₱20,750 – ₱21,249.99 | ₱21,000.00 | ₱3,150.00 |
| ₱21,250 – ₱21,749.99 | ₱21,500.00 | ₱3,225.00 |
| ₱21,750 – ₱22,249.99 | ₱22,000.00 | ₱3,300.00 |
| ₱22,250 – ₱22,749.99 | ₱22,500.00 | ₱3,375.00 |
| ₱22,750 – ₱23,249.99 | ₱23,000.00 | ₱3,450.00 |
| ₱23,250 – ₱23,749.99 | ₱23,500.00 | ₱3,525.00 |
| ₱23,750 – ₱24,249.99 | ₱24,000.00 | ₱3,600.00 |
| ₱24,250 – ₱24,749.99 | ₱24,500.00 | ₱3,675.00 |
| ₱24,750 – ₱25,249.99 | ₱25,000.00 | ₱3,750.00 |
| ₱25,250 – ₱25,749.99 | ₱25,500.00 | ₱3,825.00 |
| ₱25,750 – ₱26,249.99 | ₱26,000.00 | ₱3,900.00 |
| ₱26,250 – ₱26,749.99 | ₱26,500.00 | ₱3,975.00 |
| ₱26,750 – ₱27,249.99 | ₱27,000.00 | ₱4,050.00 |
| ₱27,250 – ₱27,749.99 | ₱27,500.00 | ₱4,125.00 |
| ₱27,750 – ₱28,249.99 | ₱28,000.00 | ₱4,200.00 |
| ₱28,250 – ₱28,749.99 | ₱28,500.00 | ₱4,275.00 |
| ₱28,750 – ₱29,249.99 | ₱29,000.00 | ₱4,350.00 |
| ₱29,250 – ₱29,749.99 | ₱29,500.00 | ₱4,425.00 |
| ₱29,750 – ₱30,249.99 | ₱30,000.00 | ₱4,500.00 |
| ₱30,250 – ₱30,749.99 | ₱30,500.00 | ₱4,575.00 |
| ₱30,750 – ₱31,249.99 | ₱31,000.00 | ₱4,650.00 |
| ₱31,250 – ₱31,749.99 | ₱31,500.00 | ₱4,725.00 |
| ₱31,750 – ₱32,249.99 | ₱32,000.00 | ₱4,800.00 |
| ₱32,250 – ₱32,749.99 | ₱32,500.00 | ₱4,875.00 |
| ₱32,750 – ₱33,249.99 | ₱33,000.00 | ₱4,950.00 |
| ₱33,250 – ₱33,749.99 | ₱33,500.00 | ₱5,025.00 |
| ₱33,750 – ₱34,249.99 | ₱34,000.00 | ₱5,100.00 |
| ₱34,250 – ₱34,749.99 | ₱34,500.00 | ₱5,175.00 |
| ₱34,750 and over | ₱35,000.00 | ₱5,250.00 |
How to pay (PRN)
Register in My.SSS
on the SSS website, or log in to the SSS Mobile App.
Generate your Payment Reference Number (PRN)
for the months you're paying. You can also get one by emailing usssaptayo@sss.gov.ph or calling the 1455 hotline.
Pay with the PRN
over the counter at an SSS branch or accredited collecting partner, through Bancnet e-Gov or a partner bank's app (choose SSS as biller, enter the PRN), or through the SSS Mobile App via GCash.
Check your contribution record
in My.SSS after a few days.
Deadlines
| Member | Deadline |
|---|---|
| Self-employed, voluntary, non-working spouse | Last day of the month after the month or quarter you're paying for |
| Land-based OFW | Jan–Sep contributions: 31 December of the same year. Oct–Dec: 31 January of the next year |
- You can pay monthly or quarterly, and for any one or two months of a quarter.
- No late payments for SE, VM and NWS members. Missed months stay as gaps, because retroactive payments aren't allowed.
- If the deadline falls on a weekend or holiday, pay on the next working day.
- You can pay in advance, but if the rate or MSC changes later, you'll need to settle the underpayment to keep your MSC level.
Official sources
- SSS contribution tables: sss.gov.ph/sss-contribution-table
- MSC rules, PRN and deadlines: sss.gov.ph/pay-contribution
- SSS hotline 1455 · usssaptayo@sss.gov.ph
Frequently asked questions
What is the minimum SSS voluntary contribution in 2026?
₱750 a month, based on the minimum MSC of ₱5,000. Self-employed members pay ₱760 because they also pay ₱10 EC.
Can I pay my missed SSS voluntary contributions?
No. The SSS doesn't accept late or retroactive payments from self-employed, voluntary or non-working spouse members, so missed months remain as gaps. Only land-based OFWs have a year-end deadline for the year's contributions.
How much is the SSS contribution for OFWs?
15% of the MSC, with a minimum MSC of ₱8,000. That's ₱1,200 a month at the minimum and ₱5,250 at the maximum MSC of ₱35,000. OFWs don't pay EC.
Can I choose a higher MSC as a voluntary member?
Yes. First-time voluntary members can pick any MSC in the table. Below age 55 you can change it any time. From 55, you can only go up one bracket per year.
Do I need a PRN to pay?
Yes. Every payment channel requires a Payment Reference Number, which you generate in My.SSS or the SSS Mobile App.