SSS, PhilHealth & Pag-IBIG calculator
See exactly what comes out of your sahod for government contributions, and what your employer adds.
Updated for 2025 rates
SSS salary credit: ₱25,000.00
| Monthly | You pay | Employer |
|---|---|---|
| SSS | ₱1,250.00 | ₱2,530.00 |
| PhilHealth | ₱625.00 | ₱625.00 |
| Pag-IBIG | ₱200.00 | ₱200.00 |
Where your contributions go
SSS builds your pension, sickness, maternity, disability and salary-loan eligibility. Your salary is rounded into a Monthly Salary Credit in ₱500 steps, and the contribution is 15% of that credit.
PhilHealth is your national health insurance; the premium is 5% of your basic salary, shared with your employer.
Pag-IBIG (HDMF) is a savings fund that also unlocks housing and calamity loans. Your regular savings earn dividends. If you want more, the voluntary MP2 program usually pays higher dividends.
Frequently asked questions
How much is the SSS contribution?
15% of your Monthly Salary Credit (MSC): 5% from you and 10% from your employer for employees. Self-employed and voluntary members pay the full 15%. The MSC runs from ₱5,000 to ₱35,000.
How much is PhilHealth?
5% of your monthly basic salary, with a ₱10,000 floor and ₱100,000 ceiling. Employees and employers split it equally (2.5% each).
How much is Pag-IBIG?
2% from you and 2% from your employer, on up to ₱10,000 of monthly salary, so a maximum of ₱200 each. If you earn ₱1,500 or less, your share is 1%.
What is the SSS Employees' Compensation (EC)?
An employer-paid amount for work-related sickness or injury: ₱10 if your salary credit is below ₱15,000, ₱30 otherwise.
This calculator gives estimates for planning. It is not tax, legal or financial advice. Rates follow published government schedules; check with your employer, the BIR, SSS, PhilHealth or Pag-IBIG for your exact figures.
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