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SSS, PhilHealth, Pag-IBIG
Enter your monthly basic salary and see every mandatory contribution — what comes out of your payslip and what your employer pays on top.
Based on the 2025 SSS schedule (15% rate), 5% PhilHealth, and the 2024 Pag-IBIG MFS cap (₱10,000). For employed workers paid by an employer — voluntary/self-employed schedules differ.
| Agency | Employee share | Employer share | Total |
|---|---|---|---|
| SSS | ₱1,500.00 | ₱3,000.00 | ₱4,500.00 |
| SSS-EC (Employee Compensation) | — | ₱30.00 | ₱30.00 |
| PhilHealth | ₱750.00 | ₱750.00 | ₱1,500.00 |
| Pag-IBIG | ₱200.00 | ₱200.00 | ₱400.00 |
| Totals | ₱2,450.00 | ₱3,980.00 | ₱6,430.00 |
Total taken from your payslip
₱2,450.00
Total your employer pays on top
₱3,980.00
Tables reviewed 2026-05-18
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How it works
SSS snaps your salary to the nearest ₱500 Monthly Salary Credit bracket (₱5,000 floor, ₱35,000 ceiling). Employee pays 5% of MSC, employer pays 10%, plus the small Employee Compensation premium (₱10 or ₱30) that the employer covers alone.
PhilHealth takes 5% of monthly basic salary, split 50/50. The salary band is ₱10,000 floor to ₱100,000 ceiling, so a ₱50,000 earner and a ₱200,000 earner cap out at the same ₱2,500 each side.
Pag-IBIG uses the ₱10,000 Monthly Fund Salary cap. Employee pays 1% if MFS ≤ ₱1,500, otherwise 2% — capped at ₱200/mo. Employer always pays 2% of MFS, also capped at ₱200/mo.
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Frequently asked questions
Who pays what — employee or employer?
All three agencies split contributions. SSS: 5% from you, 10% from your employer (on the same Monthly Salary Credit), plus a small Employee Compensation premium your employer pays alone (₱10 if MSC < ₱15,000, otherwise ₱30). PhilHealth: 5% of salary, split 50/50 between you and your employer, capped at a ₱100,000 ceiling. Pag-IBIG: you pay 1% if MFS ≤ ₱1,500 or 2% above, while your employer always pays 2% — capped at a ₱10,000 MFS, so ₱200/mo max each side.
What is the Monthly Salary Credit (MSC)?
MSC is the SSS-defined bracket that determines your contribution. The schedule runs from ₱5,000 (floor) to ₱35,000 (ceiling) in ₱500 steps. Your monthly compensation is snapped to the nearest bracket midpoint. Anything above ₱35,000 is capped at the ceiling — so a ₱120,000 earner contributes the same SSS share as someone earning ₱35,000.
Why is the SSS rate 15%?
Under RA 11199 (Social Security Act of 2018), the SSS contribution rate has been phased up from 11% in 2018 to 15% in 2025. The law caps it there. The 15% total is split as 5% employee, 10% employer. That's the rate this calculator uses for 2025 and 2026.
Is the PhilHealth rate really 5%?
Yes — 5% of monthly basic salary, split 50/50, has been in effect since 2024 under the Universal Health Care Act (RA 11223). The ₱100,000 salary ceiling caps the contribution at ₱2,500 each side. PhilHealth has not announced a 2026 rate change, so we keep this calculator at 5%.
Why is the Pag-IBIG cap ₱200 even at high salaries?
HDMF Circular No. 460 raised the Monthly Fund Salary (MFS) cap from ₱5,000 to ₱10,000 in February 2024 — doubling the max from ₱100 to ₱200. The cap means high earners contribute the same as someone earning ₱10,000. You can voluntarily contribute more, but the mandatory portion is capped here.
Does this save or transmit my data?
No. Everything runs in your browser. We don't collect, store, or transmit any of your inputs.
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Sources & references
From official issuer, regulator, and data-provider sites. Verify any figure against the primary source before acting on it.