SSS, PhilHealth, Pag-IBIG Calculator 2026

How to use this calculator

Choose whether you are employed or self-employed or voluntary.
Enter your monthly salary or income.
Read the contributions for SSS, PhilHealth and Pag-IBIG, with your share and, for employees, the employer share.
Check the total you pay each month and the total your employer pays.
Change the income to see how contributions change at different salary levels.

SSS, PhilHealth and Pag-IBIG contributions explained

Employees in the Philippines contribute to three government programs. SSS provides pensions and benefits, PhilHealth covers health insurance and Pag-IBIG supports savings and housing loans. Each has its own rate and salary brackets, and employers pay a share on top of your own.

This calculator shows each contribution so you can see where your deductions go. For self-employed and voluntary members, you pay the full amount yourself, so it helps you budget for them. The figures follow the rules shown on this page, which are updated when schedules change.

Want to see your net pay? Use the take-home pay calculator. For long-term savings, read our Pag-IBIG MP2 guide.

How each contribution is figured

SSS employed: the Monthly Salary Credit (MSC) is your salary rounded to the nearest ₱500, from ₱5,000 to ₱35,000. The employee pays 5% and the employer pays 10%, plus an EC amount paid by the employer.
SSS self-employed or voluntary: you pay the full 15% of your chosen MSC. The calculator uses your income rounded to the same MSC range.
PhilHealth: 5% of monthly income, with a base from ₱10,000 to ₱100,000. Employees and employers split it equally. Self-employed members pay the full 5%.
Pag-IBIG: 2% of monthly compensation, up to a ₱10,000 base, so ₱200 maximum. Employees and employers each pay the 2%. Voluntary members can choose a higher amount.

Rules used: SSS 2025 schedule, PhilHealth 5% premium, Pag-IBIG 2024 cap, BIR TRAIN tax table (2023 onward). Check the official agency pages if your employer follows a newer schedule.

Tips to save more

Keep your contributions updated so benefits and loans stay available when you need them.
Check your online accounts to confirm your employer is remitting your share.
If you are self-employed, set aside your monthly contributions like a bill.
Consider MP2 or another savings plan on top of your mandatory contributions.

Frequently asked questions

How much is the SSS contribution in 2026?

Under the current schedule, the total rate is 15% of the Monthly Salary Credit, which ranges from ₱5,000 to ₱35,000. For employees, 10% is paid by the employer and 5% by the employee.

How much is PhilHealth for employees?

The premium is 5% of monthly basic salary, split equally between employee and employer, with a ₱10,000 floor and a ₱100,000 ceiling on the salary used.

What is the maximum Pag-IBIG contribution?

The standard contribution is 2% of monthly compensation on a base capped at ₱10,000, so ₱200 for the employee and ₱200 for the employer. Members can choose to contribute more.

What is the SSS EC contribution?

EC stands for Employees' Compensation. It is paid by the employer, not the employee, and the amount depends on the MSC bracket.

Are these the exact figures on my payslip?

They are estimates for planning. Always check the latest official contribution tables, since schedules and rules are updated from time to time.

Helpful guides and deals

More free tools

Take-Home Pay Calculator Net salary after SSS, PhilHealth, Pag-IBIG and tax Freelancer Tax Calculator (8% vs Graduated) Compare the 8% option with graduated rates Pag-IBIG MP2 and Savings Growth Calculator Project your balance with regular deposits and interest

This calculator gives estimates for planning only. It is not financial, tax or legal advice. Confirm exact figures with your employer, bank, lender or the relevant government agency.