SSS Contribution Table 2026: Everything You Need to Know (Made Simple!)

If you’re checking your monthly payslip or planning your budget as a voluntary member, understanding the SSS contribution table doesn't have to feel like decoding high-level math.

In this guide, we'll walk you through the 2026 SSS contribution schedule, explain how contributions are shared between employees and employers, and show you how to find your contribution bracket in just a few simple steps. 

For 2026, the total Social Security System (SSS) contribution rate stays at 15% of your Monthly Salary Credit (MSC). This rate was established under the Social Security Act of 2018 (Republic Act 11199) and ensures long-term fund sustainability for member benefits—such as sickness, maternity, disability, retirement, and unemployment benefits.

How that 15% rate is paid depends on your employment category:

• Employed Members: You and your employer split the cost. Your employer pays 10%, while 5% is deducted from your salary.
• Self-Employed, Voluntary, & OFW Members: You pay the full 15% based on your declared monthly earnings bracket. 

The key to reading any SSS contribution table is knowing your Monthly Salary Credit (MSC). Think of your MSC as the standardized baseline amount assigned to your salary range.

• Minimum MSC: ₱5,000 for regular employees, voluntary, and self-employed members (₱8,000 for OFWs).
• Maximum MSC: Capped at ₱35,000. 

Here is a quick snapshot of sample compensation brackets and the corresponding contribution amounts: 

*Note: The Employer Share includes a small fixed Employees' Compensation (EC) contribution (₱10 for MSC below ₱15,000, and ₱30 for MSC ₱15,000 and above). 

Finding your exact deduction takes just three steps:

1. Locate your monthly salary range: Look for the bracket where your basic salary falls.

2. Find your corresponding MSC: Read across the table to locate your assigned Monthly Salary Credit.

3. Apply the percentage:

• If employed, multiply your MSC by 5% (0.05) to confirm your salary deduction.
• If voluntary or self-employed, multiply your MSC by 15% (0.15).

Example: If your basic gross salary is ₱20,000 per month, your MSC is ₱20,000. Your monthly payroll deduction will be ₱1,000 (5%), while your employer adds ₱2,030 (10% + ₱30 EC) for a total remitted contribution of ₱3,030. 

Keeping track of your SSS records is quick and convenient:

• My.SSS Member Portal: Log in at member.sss.gov.ph to view your actual posted contributions under the "Inquiries" tab.
• SSS Mobile App: Open the app on your phone to check your latest contributions, active salary loans, and membership status anywhere. 

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