🏛️ SSS Contribution Guide 2026
How much SSS deducts from your sweldo this year, plain table, no PDF hunting. For employees; voluntary/self-employed members use the same MSC ranges but pay both shares.
TL;DR Sa 2026, 15% ng Monthly Salary Credit (MSC) mo ang napupunta sa SSS — 5% galing sa sweldo mo, at 10% ay sagot ng employer mo. Pinakamalaking mababawas sa'yo: ₱1,750 kada buwan. Kapalit: sickness, maternity, loans, disability, death benefits, at pension.
📊 Ang buong picture, sa limang numero
MSC = Monthly Salary Credit — ang "base" na ginagamit ng SSS sa pagcompute. Hindi laging eksaktong sweldo mo: may floor at may cap.
🧮 The 2026 formula in one line
Ang MSC = your actual basic salary, clamped between ₱5,000 (floor) and ₱35,000 (cap). At hati ang bayad:
Sa ₱35,000 MSC, ₱5,250 kabuuan ang napupunta sa SSS mo kada buwan — pero ang employer portion? Hindi galing sa'yo yun.
🎁 Ano ang balik sa'yo ng mga hulog mo?
Skipping contributions = losing these safety nets. Pro move: check your posted contributions yearly via My.SSS — unremitted deductions by employers are sadly common, and only YOU catch them.
🪜 Paano ito gumagana, hakbang-hakbang
Tingnan ang basic salary mo
'Yan ang magiging MSC mo — may clamp lang: below ₱5,000? ₱5,000 pa rin ang basis. Above ₱35,000? ₱35,000 na lang ang bibilangin.
Automatic na ang 5% deduction
Kapag employed ka, ang employer ang nagbabawas at nagpapadala sa SSS. Walang gagawin — pero alamin mo para siguradong tama ang payslip mo.
Dagdag ng employer na 10%
Total 15% ng MSC ang pumapasok sa SSS record mo kada buwan — hindi lahat galing sa bulsa mo.
I-verify taun-taon sa My.SSS
Tingnan kung napo-post lahat ng hulog mo. Voluntary o self-employed? Same MSC ranges, pero ikaw ang bahala sa parehong shares.
📋 SSS Contribution Table 2026
| Your monthly salary | MSC used | SA'YO (EE 5%) | Employer (10%) | Total to SSS |
|---|---|---|---|---|
| ₱5,000 or below | ₱5,000 | ₱250 | ₱500 | ₱750 |
| ₱10,000 | ₱10,000 | ₱500 | ₱1,000 | ₱1,500 |
| ₱15,000 | ₱15,000 | ₱750 | ₱1,500 | ₱2,250 |
| ₱20,000 | ₱20,000 | ₱1,000 | ₱2,000 | ₱3,000 |
| ₱25,000 | ₱25,000 | ₱1,250 | ₱2,500 | ₱3,750 |
| ₱30,000 | ₱30,000 | ₱1,500 | ₱3,000 | ₱4,500 |
| ₱35,000 and above | ₱35,000 (capped) | ₱1,750 | ₱3,500 | ₱5,250 |
Rates per SSS Circulars 2024-006 to 010, effective January 2025 and still current through 2026 (total 15%, EE 5%). SSS revises rates/MSC periodically, always confirm at sss.gov.ph. In-between salaries compute proportionally on the exact MSC range.
SSS quick answers
Magkano ang ibabawas sa sweldo ko ngayong 2026?
5% ng MSC mo. Halimbawa: ₱20,000 basic salary → ₱1,000 kada buwan sa'yo. Kapag ₱35,000 pataas ang salary mo, maximum na — ₱1,750/month, hindi na tataas pa.
Sino ang sumasagot ng buong 15%?
Employed ka? Ikaw ang 5%, employer mo ang 10%. Voluntary o self-employed member? Same MSC ranges, pero ikaw ang sagot sa parehong shares.
Hanggang saan ang MSC ko?
Floor ₱5,000, ceiling ₱35,000. Kahit gaano kataas ang sweldo mo, ang computed contribution ay hindi lalampas sa ₱35,000 MSC cap.
Paano ko makikita ang posted contributions ko?
Via My.SSS online. Check yearly — unremitted deductions by employers are sadly common, and only YOU catch them.