SSS, PhilHealth & Pag-IBIG Contribution Calculator 2026
Free 2026 calculator for SSS, PhilHealth, and Pag-IBIG contributions. Enter a monthly salary to see the employee share, employer share, and total remittance.
SSS, PhilHealth & Pag-IBIG Contribution Calculator 2026
Enter a monthly salary to see the employee share, employer share, and total for each agency.
Monthly basic salary (₱)
Calculate
Uses 2026 rates: SSS 15% of MSC (₱5,000–₱35,000), PhilHealth 5% (₱10,000 floor, ₱100,000 ceiling), Pag-IBIG 2% up to ₱10,000. For regular employed members. Rates verified September 2026.
Employee deductions / month–
Employer share / month–
Total remittance / month–
Agency | Basis | Employee | Employer | Total |
|---|
Computing this for every employee, every cutoff? WORKSPHR computes and reports SSS, PhilHealth, and Pag-IBIG automatically — Book a demo →
Every payroll cutoff, HR has to deduct the right SSS, PhilHealth, and Pag-IBIG contributions and remit the matching employer share. Get the bracket wrong and the error repeats on every payslip until an employee or an agency notices.
This free SSS, PhilHealth, and Pag-IBIG contribution calculator uses the 2026 rates. Enter any monthly salary to see what the employee pays, what the employer pays, and the total remittance for each agency. The full 2026 SSS contribution table and the formulas are below.
How to use the contribution calculator
Enter the employee's monthly basic salary. For daily-paid staff, multiply the daily rate by the equivalent working days (for example, ₱600 × 26 = ₱15,600).
Click Calculate.
Review the employee share (deducted from pay), the employer share (paid by the company), and the total to remit per agency.
2026 contribution rates at a glance
SSS: 15% of the Monthly Salary Credit (MSC). Employer pays 10%, employee pays 5%. MSC ranges from ₱5,000 to ₱35,000. The employer also pays the Employees' Compensation (EC) premium: ₱10 for MSC below ₱15,000, ₱30 from ₱15,000.
PhilHealth: 5% of monthly basic salary, split equally (2.5% each). Salary floor ₱10,000 and ceiling ₱100,000, so the monthly premium ranges from ₱500 to ₱5,000.
Pag-IBIG: 2% each from employee and employer, based on a maximum fund salary of ₱10,000. Most employees pay ₱200 and the employer adds ₱200. Employees earning ₱1,500 or less pay 1%.
None of the three agencies changed their headline rates for 2026. SSS reached 15% in 2025 as the final step under RA 11199, and PhilHealth's 5% is the final scheduled rate under the Universal Health Care Act (RA 11223).
SSS contribution table 2026 (employed members)
All amounts are in pesos per month. The total includes the employer-only EC premium.
Range of compensation | MSC | Employee (5%) | Employer (10%) | EC | Total |
|---|---|---|---|---|---|
Below 5,250 | 5,000 | 250.00 | 500.00 | 10 | 760.00 |
5,250 – 5,749.99 | 5,500 | 275.00 | 550.00 | 10 | 835.00 |
5,750 – 6,249.99 | 6,000 | 300.00 | 600.00 | 10 | 910.00 |
6,250 – 6,749.99 | 6,500 | 325.00 | 650.00 | 10 | 985.00 |
6,750 – 7,249.99 | 7,000 | 350.00 | 700.00 | 10 | 1,060.00 |
7,250 – 7,749.99 | 7,500 | 375.00 | 750.00 | 10 | 1,135.00 |
7,750 – 8,249.99 | 8,000 | 400.00 | 800.00 | 10 | 1,210.00 |
8,250 – 8,749.99 | 8,500 | 425.00 | 850.00 | 10 | 1,285.00 |
8,750 – 9,249.99 | 9,000 | 450.00 | 900.00 | 10 | 1,360.00 |
9,250 – 9,749.99 | 9,500 | 475.00 | 950.00 | 10 | 1,435.00 |
9,750 – 10,249.99 | 10,000 | 500.00 | 1,000.00 | 10 | 1,510.00 |
10,250 – 10,749.99 | 10,500 | 525.00 | 1,050.00 | 10 | 1,585.00 |
10,750 – 11,249.99 | 11,000 | 550.00 | 1,100.00 | 10 | 1,660.00 |
11,250 – 11,749.99 | 11,500 | 575.00 | 1,150.00 | 10 | 1,735.00 |
11,750 – 12,249.99 | 12,000 | 600.00 | 1,200.00 | 10 | 1,810.00 |
12,250 – 12,749.99 | 12,500 | 625.00 | 1,250.00 | 10 | 1,885.00 |
12,750 – 13,249.99 | 13,000 | 650.00 | 1,300.00 | 10 | 1,960.00 |
13,250 – 13,749.99 | 13,500 | 675.00 | 1,350.00 | 10 | 2,035.00 |
13,750 – 14,249.99 | 14,000 | 700.00 | 1,400.00 | 10 | 2,110.00 |
14,250 – 14,749.99 | 14,500 | 725.00 | 1,450.00 | 10 | 2,185.00 |
14,750 – 15,249.99 | 15,000 | 750.00 | 1,500.00 | 30 | 2,280.00 |
15,250 – 15,749.99 | 15,500 | 775.00 | 1,550.00 | 30 | 2,355.00 |
15,750 – 16,249.99 | 16,000 | 800.00 | 1,600.00 | 30 | 2,430.00 |
16,250 – 16,749.99 | 16,500 | 825.00 | 1,650.00 | 30 | 2,505.00 |
16,750 – 17,249.99 | 17,000 | 850.00 | 1,700.00 | 30 | 2,580.00 |
17,250 – 17,749.99 | 17,500 | 875.00 | 1,750.00 | 30 | 2,655.00 |
17,750 – 18,249.99 | 18,000 | 900.00 | 1,800.00 | 30 | 2,730.00 |
18,250 – 18,749.99 | 18,500 | 925.00 | 1,850.00 | 30 | 2,805.00 |
18,750 – 19,249.99 | 19,000 | 950.00 | 1,900.00 | 30 | 2,880.00 |
19,250 – 19,749.99 | 19,500 | 975.00 | 1,950.00 | 30 | 2,955.00 |
19,750 – 20,249.99 | 20,000 | 1,000.00 | 2,000.00 | 30 | 3,030.00 |
20,250 – 20,749.99 | 20,500 | 1,025.00 | 2,050.00 | 30 | 3,105.00 |
20,750 – 21,249.99 | 21,000 | 1,050.00 | 2,100.00 | 30 | 3,180.00 |
21,250 – 21,749.99 | 21,500 | 1,075.00 | 2,150.00 | 30 | 3,255.00 |
21,750 – 22,249.99 | 22,000 | 1,100.00 | 2,200.00 | 30 | 3,330.00 |
22,250 – 22,749.99 | 22,500 | 1,125.00 | 2,250.00 | 30 | 3,405.00 |
22,750 – 23,249.99 | 23,000 | 1,150.00 | 2,300.00 | 30 | 3,480.00 |
23,250 – 23,749.99 | 23,500 | 1,175.00 | 2,350.00 | 30 | 3,555.00 |
23,750 – 24,249.99 | 24,000 | 1,200.00 | 2,400.00 | 30 | 3,630.00 |
24,250 – 24,749.99 | 24,500 | 1,225.00 | 2,450.00 | 30 | 3,705.00 |
24,750 – 25,249.99 | 25,000 | 1,250.00 | 2,500.00 | 30 | 3,780.00 |
25,250 – 25,749.99 | 25,500 | 1,275.00 | 2,550.00 | 30 | 3,855.00 |
25,750 – 26,249.99 | 26,000 | 1,300.00 | 2,600.00 | 30 | 3,930.00 |
26,250 – 26,749.99 | 26,500 | 1,325.00 | 2,650.00 | 30 | 4,005.00 |
26,750 – 27,249.99 | 27,000 | 1,350.00 | 2,700.00 | 30 | 4,080.00 |
27,250 – 27,749.99 | 27,500 | 1,375.00 | 2,750.00 | 30 | 4,155.00 |
27,750 – 28,249.99 | 28,000 | 1,400.00 | 2,800.00 | 30 | 4,230.00 |
28,250 – 28,749.99 | 28,500 | 1,425.00 | 2,850.00 | 30 | 4,305.00 |
28,750 – 29,249.99 | 29,000 | 1,450.00 | 2,900.00 | 30 | 4,380.00 |
29,250 – 29,749.99 | 29,500 | 1,475.00 | 2,950.00 | 30 | 4,455.00 |
29,750 – 30,249.99 | 30,000 | 1,500.00 | 3,000.00 | 30 | 4,530.00 |
30,250 – 30,749.99 | 30,500 | 1,525.00 | 3,050.00 | 30 | 4,605.00 |
30,750 – 31,249.99 | 31,000 | 1,550.00 | 3,100.00 | 30 | 4,680.00 |
31,250 – 31,749.99 | 31,500 | 1,575.00 | 3,150.00 | 30 | 4,755.00 |
31,750 – 32,249.99 | 32,000 | 1,600.00 | 3,200.00 | 30 | 4,830.00 |
32,250 – 32,749.99 | 32,500 | 1,625.00 | 3,250.00 | 30 | 4,905.00 |
32,750 – 33,249.99 | 33,000 | 1,650.00 | 3,300.00 | 30 | 4,980.00 |
33,250 – 33,749.99 | 33,500 | 1,675.00 | 3,350.00 | 30 | 5,055.00 |
33,750 – 34,249.99 | 34,000 | 1,700.00 | 3,400.00 | 30 | 5,130.00 |
34,250 – 34,749.99 | 34,500 | 1,725.00 | 3,450.00 | 30 | 5,205.00 |
34,750 and above | 35,000 | 1,750.00 | 3,500.00 | 30 | 5,280.00 |
For MSC above ₱20,000, part of the contribution goes to the Mandatory Provident Fund (WISP), but the total employee and employer amounts stay the same as shown.
How contributions are computed: 3 examples
Minimum wage earner in Central Luzon (₱15,600/month)
SSS: MSC ₱15,500 → employee ₱775, employer ₱1,550 + ₱30 EC
PhilHealth: ₱15,600 × 5% = ₱780 → ₱390 each
Pag-IBIG: ₱200 employee, ₱200 employer
Employee deductions: ₱1,365 · Employer share: ₱2,170
Office staff earning ₱25,000/month
SSS: MSC ₱25,000 → employee ₱1,250, employer ₱2,500 + ₱30 EC
PhilHealth: ₱25,000 × 5% = ₱1,250 → ₱625 each
Pag-IBIG: ₱200 employee, ₱200 employer
Employee deductions: ₱2,075 · Employer share: ₱3,355
Manager earning ₱120,000/month
SSS: capped at MSC ₱35,000 → employee ₱1,750, employer ₱3,500 + ₱30 EC
PhilHealth: capped at ₱100,000 → ₱2,500 each
Pag-IBIG: ₱200 employee, ₱200 employer
Employee deductions: ₱4,450 · Employer share: ₱6,230
Common contribution mistakes employers make
Using an outdated SSS table. The MSC ceiling is now ₱35,000; older tables stop at ₱30,000 and under-remit for higher earners.
Deducting the EC premium from the employee. EC is paid by the employer only.
Using a ₱5,000 Pag-IBIG cap. The maximum fund salary has been ₱10,000 since February 2024, so the standard share is ₱200, not ₱100.
Computing PhilHealth on gross pay. PhilHealth uses monthly basic salary, within the ₱10,000 floor and ₱100,000 ceiling.
Missing remittance deadlines. Late SSS, PhilHealth, and Pag-IBIG payments carry penalties. See our DOLE Compliance Guide for the wider compliance picture.
Related free tools and guides
Payroll Tax Calculator — compute BIR withholding tax after contributions
13th Month Pay Calculator — pro-rated for partial years
13th Month Pay 2026 for Employers — 10 worked cases
BIR TRAIN Law Guide — tax brackets and withholding
Automate contributions every cutoff with WORKSPHR
A calculator handles one salary at a time. WORKSPHR computes SSS, PhilHealth, and Pag-IBIG for every employee on every payroll run, applies the correct bracket automatically when salaries change, and generates the SSS R-5, PhilHealth RF-1, and Pag-IBIG MCRF reports for remittance. Statutory compliance is included on every plan, peso-priced from ₱79 per employee per month.
Rates verified September 2026. Based on SSS Circular 2024-006 (RA 11199), PhilHealth's 2026 premium schedule under RA 11223, and HDMF Circular No. 460. This calculator gives estimates for regular employed members only (not kasambahay, self-employed, voluntary, or OFW members) and is not legal or tax advice. Amounts may differ by a few centavos from agency rounding. Always confirm against the latest agency circulars.