Your total contributions₱2,075.00deducted from your pay each month
Employer pays
₱3,355.00
SSS monthly salary credit
₱25,000
Employee
Employer
Total
SSS (15% of MSC)
₱1,250.00
₱2,500.00
₱3,750.00
SSS Employees’ Compensation (EC)
₱0.00
₱30.00
₱30.00
PhilHealth (5%)
₱625.00
₱625.00
₱1,250.00
Pag-IBIG (HDMF)
₱200.00
₱200.00
₱400.00
Total
₱2,075.00
₱3,355.00
₱5,430.00
SSS: 15% of the monthly salary credit (₱5,000 to ₱35,000), 5% from you and 10% from your employer.
PhilHealth: 5% of monthly basic salary between ₱10,000 and ₱100,000, split equally – so ₱250 to ₱2,500 each.
Pag-IBIG: 2% each on up to ₱10,000 (₱200 a month each); 1% from employees earning ₱1,500 or less.
This is an estimate based on published rates, not tax or financial advice. Your payslip or assessment may differ. We are an independent site, not affiliated with any government agency.
2026 contribution rates
Scheme
Base
Employee
Employer
SSS
monthly salary credit ₱5,000 – ₱35,000
5%
10% (+ EC ₱10 or ₱30)
PhilHealth
basic salary ₱10,000 – ₱100,000
2.5%
2.5%
Pag-IBIG
salary up to ₱10,000
2% (1% if ₱1,500 or less)
2%
Worked example: ₱25,000 a month
Monthly salary ₱25,000
You pay SSS ₱1,250, PhilHealth ₱625 and Pag-IBIG ₱200 – ₱2,075 in total. Your employer adds ₱3,355.
Your total contributions₱2,075.00deducted from your pay each month
Employer pays
₱3,355.00
SSS monthly salary credit
₱25,000
Employee
Employer
Total
SSS (15% of MSC)
₱1,250.00
₱2,500.00
₱3,750.00
SSS Employees’ Compensation (EC)
₱0.00
₱30.00
₱30.00
PhilHealth (5%)
₱625.00
₱625.00
₱1,250.00
Pag-IBIG (HDMF)
₱200.00
₱200.00
₱400.00
Total
₱2,075.00
₱3,355.00
₱5,430.00
The SSS monthly salary credit
Your SSS contribution is based not on your exact salary but on a monthly salary credit (MSC) in ₱500 steps: a salary of ₱24,750 to ₱25,249.99 has an MSC of ₱25,000. Salaries below ₱5,250 use the ₱5,000 minimum and salaries from ₱34,750 up use the ₱35,000 maximum. The 15% rate is the last step of the increases set by the Social Security Act of 2018.
Questions people ask
How much is the SSS contribution on ₱25,000?
₱1,250 from you and ₱2,500 from your employer (15% of the ₱25,000 monthly salary credit), plus ₱30 employees' compensation paid by the employer.
What is the maximum SSS contribution in 2026?
₱1,750 a month for employees and ₱3,500 for employers, on the maximum monthly salary credit of ₱35,000.
How much is PhilHealth per month?
5% of your basic salary, split equally. Employees pay between ₱250 (salary of ₱10,000 or less) and ₱2,500 (salary of ₱100,000 or more).
How much is Pag-IBIG per month?
₱200 from you and ₱200 from your employer for salaries of ₱10,000 and above – 2% of the ₱10,000 maximum fund salary since February 2024.
This is an estimate based on published rates, not tax or financial advice. Your payslip or assessment may differ. We are an independent site, not affiliated with any government agency. Read the full disclaimer.
