Independent guide, not affiliated with any government agency Last checked: 28 Sep 2026 We never ask for your personal data
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SSS Maternity Benefit Calculator

Choose your delivery month, your case and your monthly salary. The calculator follows the SSS's own computation and shows which months count.

Uses the SSS's official formula and assumes the same salary every month. Runs on your phone only; nothing is sent or saved.

How it calculates

  1. Semester of contingency: the two quarters ending in the quarter of your delivery month (quarters end in March, June, September and December).
  2. 12-month period: the 12 months just before that semester. Only contributions paid in this period, before the semester, count.
  3. Your salary becomes a monthly salary credit (MSC) using the SSS brackets. For benefits, the MSC counts only up to ₱20,000.
  4. Total MSC = your MSC × the number of months paid, up to your six highest months.
  5. Daily allowance (ADSC) = total MSC ÷ 180.
  6. Benefit = ADSC × 105 days (live birth), 120 days (solo parent) or 60 days (miscarriage, ETP or stillbirth).

It uses the same MSC for every month. If your salary changed, the SSS uses your six highest MSCs in the period, so your actual amount may differ. We checked the calculator against the SSS's official example (October 2021 birth, ₱16,000 MSC: ₱56,000). See the full rules in the SSS maternity benefit guide.

SSS maternity benefit: days paid and the maximum you can get
Show as a table
CaseDays paidMaximum benefit
Miscarriage, ETP or stillbirth60 daysUp to ₱40,000
Live birth (normal or caesarean)105 daysUp to ₱70,000
Live birth, qualified solo parent120 daysUp to ₱80,000

100% of your average daily salary credit (ADSC) for each day. Maximums use the ₱20,000 MSC cap for benefits. Source: SSS Maternity Benefit page (RA 11210).

Frequently asked questions

What is the maximum SSS maternity benefit?

₱70,000 for a live birth, ₱80,000 for a qualified solo parent and ₱40,000 for miscarriage or ETP, because benefits use an MSC of up to ₱20,000.

Why does my delivery month matter?

It sets your semester of contingency and the 12-month period the SSS looks at. Contributions paid within or after the semester don't count.

I'm employed. Is this all I'll get?

Employed members get full pay: the SSS benefit plus a salary differential from the employer, unless the employer is exempt (for example, micro-businesses with assets of ₱3 million or less).

Does the calculator save my details?

No. It runs in your browser and nothing you enter is sent anywhere.

Document

SSS maternity benefit

Who qualifies, how much you get, and how to file online.

Read guide Document

SSS contribution table 2026

The official 2026 rates, the full table and a calculator.

Read guide Tool

SSS contribution calculator

Your 2026 SSS contribution from your salary, for any member type.

Open tool

Sources

Last checked 4 October 2026. See how we research and the updates log.