SSS, PhilHealth & Pag-IBIG Contribution Calculator
Estimate the mandatory SSS, PhilHealth, and Pag-IBIG contributions for a Philippine employee — the employee and employer share for each, based on the current published rates.
This calculator provides an estimate based on current published SSS, PhilHealth, and Pag-IBIG rates and the salary you enter. Actual contributions may vary depending on your employer's payroll system, membership type, and any rate changes issued after this calculator was last reviewed.
How are these contributions calculated?
Each program uses its own rate and salary range:
- 1SSS: 15% of your Monthly Salary Credit (a salary snapped to a ₱500 bracket, ₱5,000–₱35,000), split 10% employer / 5% employee
- 2PhilHealth: 5% of your monthly basic salary (₱10,000–₱100,000), split 2.5% employer / 2.5% employee
- 3Pag-IBIG: 1–2% of your salary (capped at ₱10,000), plus a matching 2% from your employer
At a glance
| Monthly Salary | Employee Deduction | Employer Cost |
|---|---|---|
| ₱10,000 | ₱950.00 | ₱1,460.00 |
| ₱15,000 | ₱1,325.00 | ₱2,105.00 |
| ₱20,000 | ₱1,700.00 | ₱2,730.00 |
| ₱25,000 | ₱2,075.00 | ₱3,355.00 |
| ₱35,000 | ₱2,825.00 | ₱4,605.00 |
Combined SSS, PhilHealth, and Pag-IBIG per month. Use the calculator above for your own salary.
Important information
This is not a withholding tax calculator
This tool only estimates SSS, PhilHealth, and Pag-IBIG. It doesn't calculate withholding tax, which depends on additional factors this calculator doesn't collect.
Rates and brackets are set by law and can change
SSS, PhilHealth, and Pag-IBIG rates are periodically revised by their governing circulars and advisories. This calculator reflects the rates in effect as of its last review — check the Sources below for the specific effective dates.
Your salary information stays in your browser
This calculator runs entirely client-side. The salary you enter is processed locally and never sent to a server, database, or third-party service.
No account or sign-in required
Use the calculator immediately — nothing is saved between visits, and there's no login, registration, or tracking required.
Frequently asked questions
SSS (Social Security System), PhilHealth (national health insurance), and Pag-IBIG / HDMF (Home Development Mutual Fund) — the three mandatory government contributions deducted from a typical Philippine employee's pay.
No. This calculator only covers SSS, PhilHealth, and Pag-IBIG. Withholding tax depends on additional factors (tax status, exemptions) not covered here.
SSS doesn't compute contributions on your exact salary — it snaps your salary to the nearest ₱500 bracket (minimum ₱5,000, maximum ₱35,000), called the Monthly Salary Credit. Your SSS contribution is 15% of that MSC, not of your raw salary.
Once your Monthly Salary Credit exceeds ₱20,000, the portion above ₱20,000 (up to the ₱35,000 ceiling) is credited to SSS's Mandatory Provident Fund (MPF, also called WISP) instead of the regular program. It's still contributed at the same 15% rate — it just goes toward a different SSS sub-account for benefit purposes.
PhilHealth applies a salary floor of ₱10,000 and a ceiling of ₱100,000. Below the floor, the premium is calculated as if you earn ₱10,000; above the ceiling, as if you earn ₱100,000 — so small changes within those limits still move the premium, but changes outside them don't.
Pag-IBIG contributions are computed on a maximum of ₱10,000 of your salary (the "Maximum Fund Salary"), even if you earn more. At the standard 2% employee rate, 2% of ₱10,000 is ₱200 — the practical ceiling for most earners.
The 1% employee rate only applies to monthly salaries of ₱1,500 or below. Above that, the employee rate is 2%. The employer rate is always 2%, regardless of salary.
Yes, as of this calculator's last review — see the Sources section below for the specific circulars and advisories these rates come from, and their effective dates. Contribution rates and salary brackets are set by law and can change; always check the official source before relying on this for compliance purposes.
For SSS and Pag-IBIG, yes — the employer share is larger than the employee share. For PhilHealth, the two shares are equal.
This is a close estimate based on the published rates and your monthly salary, but your actual employer's payroll system is the authoritative source — rounding conventions, mid-cycle salary changes, and prior-period adjustments can cause small differences.
No. This tool works without signing in or creating an account.
No. Everything you enter is processed locally in your browser. Nothing is sent to a server, stored in a database, or shared with third parties.
Sources & references
Every rate used in this calculator is based on the following official sources — verify them yourself.
- Social Security System (SSS)
SSS Circular No. 2024-006 — Revised Schedule of Contributions
The current 15% total contribution rate (10% employer / 5% employee), the ₱5,000–₱35,000 Monthly Salary Credit range, and the Employees' Compensation (EC) add-on used by this calculator.
Last reviewed: August 2026View source - Philippine Health Insurance Corporation (PhilHealth)
Premium Contribution Schedule for CY 2025 (PA2025-0002)
The 5% premium rate (2.5% employer / 2.5% employee), and the ₱10,000 floor / ₱100,000 ceiling used by this calculator, in effect through 2026 under the Universal Health Care Act.
Last reviewed: August 2026View source - Home Development Mutual Fund (Pag-IBIG / HDMF)
HDMF Circular No. 460 — Increase in the Maximum Fund Salary
The ₱10,000 Maximum Fund Salary and the 1%/2% employee, 2% employer contribution rates used by this calculator, effective February 2024.
Last reviewed: August 2026View source
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