All About SSS Contribution Table 2025 (Updated)

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The Social Security System, or widely known as SSS (1), updates the monthly contribution table every year. Many Filipinos are against the SSS new contribution rate. However, it is the Republic Act 11199 that made the increase into reality.

The Social Security System (SSS) of the Philippines has undergone notable changes in its contribution rates from 2024 to 2025. Here’s a summary of the key statistics and changes:

• Contribution Rate Increase: In 2023, the SSS implemented a contribution rate of 15%, which was a rise from the previous rate of 14% in 2024. This increase is part of a scheduled series of rate hikes as mandated by the Social Security Act of 2018 (Republic Act No. 11199).
• Monthly Salary Credit Adjustment: Alongside the rate increase, there was an adjustment in the Monthly Salary Credit (MSC). The minimum MSC was set at PHP 5,000, and the maximum MSC increased to PHP 35,000.
• Fund Life Extension: These adjustments have contributed to extending the projected fund life of the SSS. As of the latest reports, the SSS fund life is now expected to last until 2054, providing a more extended period of benefits for members and pensioners (2).
• Future Plans: Currently, there are no official announcements or indications of further increases in the SSS contribution rate beyond 2025. The 15% rate is the final step in the scheduled adjustments specified by the existing law.

We’re hoping that this article will answer all of your SSS contribution inquiries!

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President Rodrigo Duterte signed R.A. 11199 (3), or the Social Security Act of 2018, on February 18, 2019. With this law, the SSS contribution rate should increase every other year until it reaches 15% in the year 2025. The reason behind the increase is to provide retirement security for all the members. And this is not only for the existing pensioners but also for the future retirement of the other members.

Who can Pay the SSS Contribution

If you are employed, your employer is responsible for remitting your SSS contribution. Your employer will deduct the amount of your share directly to your pay. Additionally, your employer will pay his share for your SSS contribution.

But if you are a self-employed individual, you can pay your SSS contributions online. You can remit your share using the SSS mobile app, Gcash, Paymaya, Unionbank online, or BPI online. Note that you first need to sign in to the SSS website and create an account.

How much is the SSS Contribution Rate in 2025

Starting January 1, 2025, the Social Security System (SSS) in the Philippines will implement an increased contribution rate of 15%, up from the previous 14%.

Key changes effective from 2025 include:

Contribution Rate: Total of 15% of the Monthly Salary Credit (MSC).

For Employed Members:

• Employer’s Share: 10%
• Employee’s Share: 5%

For Self-Employed, Voluntary Members, and Overseas Filipino Workers (OFWs): Responsible for the entire 15% contribution.

Monthly Salary Credit (MSC) Ranges:

• Minimum MSC: ₱5,000.00
• Maximum MSC: ₱35,000.00

These adjustments are in line with Republic Act No. 11199, also known as the Social Security Act of 2018, aiming to strengthen the SSS fund and ensure the long-term viability of benefits for its members.

For a detailed breakdown of the new contribution schedule, you can refer to the official SSS Contribution Table effective January 2025.

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SSS Contribution Table 2025 with Monthly Salary Credit

Mentioned above are the computation of each type of SSS members’ contribution. To help you have a further understanding of the contribution tables below, we will identify the categories indicated in the tables.

1. Monthly salary credit – according to the Social Security Law, the monthly salary credit is used as the compensation base for contributions and benefits. Using the MSC, the SSS will compute your monthly contribution based on your monthly salary.
2. Range of Compensation: This indicates the salary range or compensation bracket for which the contribution rates apply.
3. Monthly Salary Credit (MSC): The predetermined base amount on which contributions are computed. This is not the exact salary but a reference amount used for calculations.
4. Regular SS (Employer): The employer’s share of the contribution for the regular Social Security benefits, which include retirement, sickness, maternity, disability, and death benefits.
5. MPF (Employer): The employer’s share of contributions to the Mandatory Provident Fund (MPF), which is designed for long-term savings or benefits. (May not apply to all brackets.)
6. EC (Employer): The employer’s contribution to the Employees’ Compensation (EC) Program, which provides benefits for work-related injury, sickness, or death. This is a fixed amount based on salary.
7. Total (Employer): The total contribution paid by the employer, including Regular SS, MPF, and EC contributions.
8. Regular SS (Employee): The employee’s share of the contribution for the regular Social Security benefits.
9. MPF (Employee): The employee’s share of contributions to the Mandatory Provident Fund (MPF). (May not apply to all brackets.)
10. Total (Employee): The total contribution paid by the employee, including Regular SS and MPF.
11. Total contribution – the full amount of your SSS contributions.

Here are the 5 lastest SSS Contribution Tables for 2025 that you can use to calculate your contribution:

1. SSS Contribution Tables For Employers and Employees 2025

For SSS members who are employed, the minimum monthly salary credit is Php 5,000 while the maximum monthly salary credit is Php 35,000. Total contribution will range from Php 760 to Php 5,280.

Thi is the Lastest SSS Contribution Table 2025 for Employers and Employees

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2. SSS Self-employed Contribution Table 2025

The minimum total monthly contributions for self-employed SSS members is Php 750 while the maximum total monthly contributions is Php 5,280.

SSS Contribution Table 2025 for Self-employed Members

3. SSS Contribution Table for Voluntary and Non-Working Spouse Members

The same goes for voluntary and non-working spouse members: SSS  minimum contribution per month is Php 750 and the maximum is Php 5,250.

SSS Contribution Table 2025 for Voluntary and Non-Working Spouse Members 2025

4. SSS Contribution Table for OFW Members for 2025

For SSS OFW contributions, members who are working overseas have a minimum monthly salary credit is Php 8,000. 

SSS Contribution Table 2025 for OFW Members

5. SSS Contribution Table for Household Employers and Kasambahay Members 2025

Household employers and local domestic workers will have a minimum sss contribution and maximum sss contribution monthly – of Php 160 and Php 5,280, respectively.

SSS Contribution Table 2025 For Household Employers and Kasambahay 

Deadline for SSS Contribution Payment 2025

The due date for remitting SSS contributions by regular employers falls on the final day of the month following the relevant month or reporting period. This same timeframe applies to household employers for their respective month or quarter, as applicable. The subsequent tables outline the payment deadlines for voluntary members, self-employed individuals, Overseas Filipino Workers (OFW), non-working spouses, farmers, and fishermen.

Note: If the payment deadline falls on a Saturday, Sunday or holiday, payment may be made on the next working day.

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How to Compute Monthly SSS Contribution

As of 2025, the SSS contribution rate has been increased to 15%, up from the previous rate of 14%. This increase is in line with the provisions of Republic Act No. 11199, also known as the Social Security Act of 2018. The aim of this increase is to ensure the financial viability of the SSS fund, support higher benefit disbursements to members, and extend the fund’s life until 2054.

How to Compute SSS Contribution for Employed Members

• Step 1. Identify your basic monthly rate or your gross income. Gross income includes the overtime pay and holiday pay less the absences for the period.
• Step 2. Refer to the SSS contribution chart or the monthly SSS voluntary contribution table 2025. Under the Range of Compensation column, navigate the salary SSS bracket where your gross income falls. Find its corresponding MSC (Monthly Salary Credit) under the Total column.
  Note that the Mandatory Provident Fund only applies to members having a gross income that exceeds PHP 35,000.
• Step 3. Under the EC column, find your monthly deduction that corresponds to your MSC. For example, if your MSC is PHP 20,000, then your employer will deduct your pay of PHP 1000.
• Step 4. To get your total contribution (including the employer share), you can refer to the Total column at the rightmost part of the table. Thus, if your MSC is PHP 20,000 your TOTAL monthly contribution is PHP 3,030. This consists of your share of PHP 1000 and your employer’s share of PHP 2,030.

For better understanding, you can compute your total contribution this way:

(MSC x Contribution Rate) + EC Contribution

PHP 20,000 x 15% = PHP 3000 + PHP 30 = PHP 3,030

Note that the contribution rate is 5% for the employee and 10% for the employer. Hence, PHP 1000 is for the employee and PHP 3,030 is for the employer.

But what if you exceed the PHP 20,000 threshold?

For salaries above PHP 20,000, the additional MPF contribution will also be included in the total contribution. The MPF is calculated separately and added to the regular SSS contribution. Just add the amount from the ‘MPF’ column to calculate the cost of contributions.

How to Compute SSS Self Employed Contributions

• Step 1. Refer to the monthly income you declared on your Form E-1. Under the Range of Compensation column, navigate the salary bracket where your gross income falls. Then, find its corresponding MSC (Minimum  Monthly Salary Credit) under the Total column.
• Step 2. Calculate your total monthly contribution this way:

(MSC x Contribution Rate) + EC Contribution

Note that with the SSS new contribution table, self-employed members can now pay for EC contribution themselves as well. Therefore, if your MSC is PHP 20,000, you need to remit the total contribution of PHP 2,030:

(PHP 20,000 x 15%) + PHP 30 = PHP 2,030

If you have noticed, the computations for both employed and self-employed are the same. They only differ in the amount to remit, as with employed individuals, the employer has a share with their contributions. 

The maximum monthly SSS contribution for self employed and employed members is PHP 5,280.

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How to Compute SSS Contributions For OFW members

• Step 1. Under the Range of Compensation column, navigate the salary bracket where your gross income falls. Then, find its corresponding MSC or Monthly Salary Credit under the Total column. For OFWs, the range of MSC used to compute the contribution is between PHP 8,250 and PHP 34,750 and over
• Step 2. Calculate your total monthly contribution this way (if your MSC is PHP 20,000):

MSC x Contribution rate = Monthly Contribution
The contribution rate for OFWs is 15% of the MSC. For instance, if your MSC is PHP 20,000, the contribution would be PHP 3,000.

Consider the WISP: OFWs with an MSC exceeding PHP 20,000 are also covered by the MPF under the Workers’ Investment and Savings Program (WISP), which requires an additional contribution. The amount varies based on your MSC you can find in the latest SSS contribution table for OFW members below.

The maximum monthly SSS contribution for OFWs is set at PHP 5,250, applicable if your MSC reaches the maximum of PHP 35,000.

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SSS Contribution for Household Employers and Kasambahay

As of 2025, the Social Security System (SSS) in the Philippines has specific contribution rates for household employers and their kasambahays (household employees).

The total monthly SSS contributions for kasambahays range from PHP 160 to PHP 5,280, depending on the kasambahay’s monthly salary. The contribution is divided between the employer and the kasambahay, with the employer shouldering a larger portion to ease the burden on the kasambahay.

Household employers are responsible for registering their kasambahays with the SSS and ensuring the timely payment of contributions. Employers must deduct the kasambahay’s share of the contribution from their salary and add the employer’s share before remitting the total amount to the SSS. Employers are also responsible for filing the remittance detail with the SSS.

If the monthly wage of the house helper is below PHP 5,000, the household employer should pay the full monthly contribution. But if it is above PHP 15,000, the SSS computation and procedure for the monthly contribution are the same with the employed members.

• Step 1. Under the Range of Compensation column, find your salary bracket and its corresponding MSC under the Total column.
• Step 2. Under the EC column, find your monthly deduction that corresponds to your MSC. If your MSC is PHP 5,000 your total monthly contribution is PHP 250 which is 5% of the contribution rate.

Meanwhile, your employer will share the 10% or PHP 510 to complete the 15% rate, plus PHP 10 EC contribution.
(MSC x Contribution Rate) + EC Contribution
PHP 5,000 x 15% = PHP 750 + PHP 10 = PHP 760

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SSS Contribution for Voluntary and Non-working spouse members

To compute the SSS contribution for voluntary and non-working spouse members in 2025, you should follow these steps:

• Step 1. Identify the Monthly Salary Credit (MSC). The MSC is based on your average monthly income. For voluntary members, this ranges from PHP 5,000 to PHP 35,000. For non-working spouses, the contribution amount is fixed and not based on income.
• Step 2. Calculate the Contribution Amount: The contribution rate for both voluntary and non-working spouse members is 15% of the MSC. For example, if a voluntary member’s MSC is PHP 15,000, the monthly contribution would be PHP 2,250 (PHP 15,000 x 15%).

The maximum contribution for voluntary and non-working spouse members is capped at PHP 5,250, which corresponds to the maximum MSC of PHP 35,000.

Non-working spouses have a fixed monthly contribution amount. As of 2025, this amount is PHP 240 per month, which is equally shared between the non-working spouse and their employed spouse (PHP 120 each).

Non-working spouses can contribute for up to 60 months or 5 years. After this period, they should shift to voluntary contributions based on their own income or MSC.

What is Mandatory Provident Fund?

The MPF (Mandatory Provident Fund) in the 2025 SSS contribution table is the updated name for what was previously called WISP (Workers’ Investment and Savings Program) in the 2024 table. Essentially, MPF and WISP serve the same purpose but under a new designation in 2025.

Similarities Between MPF and WISP:

1. Purpose: Both are long-term savings programs designed to enhance retirement benefits for members.
2. Applicability: They apply to SSS members with a Monthly Salary Credit (MSC) above PHP 20,000.
3. Contribution Requirement: Contributions are mandatory and are computed as a portion of the MSC, shared between employer and employee for employed members, or fully shouldered by self-employed or voluntary members.

Why the Name Change?

The change from WISP to MPF reflects a broader implementation of the program to align with updates in the Social Security System’s approach under Republic Act No. 11199 (Social Security Act of 2018). The term MPF is more universally understood and indicates its provident fund nature.

In summary, MPF in 2025 serves the same purpose as WISP in 2024, continuing as a mandatory savings program to ensure enhanced financial security for members in retirement.

What is the SSS Workers’ Investment and Savings Program

If you are an employee, you have probably noticed a significant increase in your SSS deduction. You may be confused because you know that the contribution rate has increased only by 1%. To make it clear, the additional charge is not a contribution to the usual SSS program. It is the Workers’ Investment and Savings Program (WISP).

WISP was implemented in January 2021 as a compulsory provident fund program under Republic Act No. 11199 (the Social Security Act of 2018). It is designed to provide additional retirement benefits to SSS members​​​​.

WISP automatically applies to all SSS members who are contributing to the regular program and have a monthly salary credit (MSC) that exceeds PHP 20,000. The SSS has also introduced WISP Plus, a voluntary retirement savings scheme for SSS members, which is different from the mandatory WISP

The contributions in WISP are placed in guaranteed investments and are tax-free. The returns on these investments are intended to enhance the retirement benefits of the members. In its first year of implementation, WISP generated significant income and offered returns higher than key market indicators​​.

The advantages include:

✅  Tax-free, guaranteed earnings;
✅  Contributions placed in guaranteed investments.

SSS will divide your provident fund into 3 account types that will surely benefit you:

✅ Additional retirement / disability benefit
✅ Medical benefit
✅ General-purpose (education, housing, livelihood, unemployment).

→ For detailed information,  you can refer to the article –  What is WISP SSS in the Philippines

Tips and Information on SSS Contributions and Payments

1. If possible, always keep a copy of your SSS contribution table based on your category (employed, self-employed, voluntary, etc.) That way, you’re keeping track of how much you are paying contributions for SSS and how often. It can also help you if you’re planning to apply for a SSS loan or avail of its benefits.
2. There are lots of ways to get an SSS payment reference number! You can get your PRN through the SSS member website, through the SSS mobile app, through text, through email, through the SSS hotline, or by going to an SSS branch near you.
3. You cannot make a retroactive SSS payment for the months that you have missed. However, you can still pay your SSS contributions for the succeeding months.
4. If you are an OFW, you can assign a loved one here in the Philippines to pay for your SSS contributions. Just make sure that your representative has your PRN and other payment details.
5. You can view or check your SSS contributions online through the SSS website! Just go to the SSS members’ portal and log in with your username and password.

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Why did SSS Contributions Increase?

As it was mentioned at the beginning of this article, the hike of SSS contribution is due to R.A. 11199. The purpose of this increase is to provide additional benefits for the future retirement of members.
The financial assistance of SSS should cope with its members’ growing demands. Since the value of money decreases over time, the old contribution rate is not sufficient to provide significant help. Thus, with the increase of the SSS contribution plus the provident fund, members can assure better benefits. Check out the new sss payment schedule for your job.

Who is Eligible for an SSS Loan

Members can apply for a salary loan to SSS given that they:

One-Month Salary Loan

For members applying for a one-month salary loan, they must have at least thirty-six (36) posted monthly contributions, six (6) of which should be within the last twelve (12) months prior to the month of filing the application.

✅ Have at least 36 months total SSS contributions
✅ Have 6 months of SSS contributions in the last 12 months.

Two-Month Salary Loan

For a two-month salary loan, members must have seventy-two (72) posted monthly contributions, with six (6) of these contributions within the last twelve (12) months before the application month.

✅ Have at least 72 months of posted SSS contributions
✅ Have 6 months of contributions in the last 12 months.

If you are not sure how many months you have contributed, you can check your member account on My.SSS portal.

Вesides the contributions, members must also ensure that their employer is up-to-date in SSS contributions payments, have not been granted a final benefit (like total permanent disability, retirement, or death), be under sixty-five (65) years of age at the time of application, and not have been disqualified due to fraud committed against the SSS.

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Conclusion

Note that when computing for your monthly contribution, always check the updates of SSS and updated SSS contribution table 2025. Moreover, make sure that you have updated contributions posted in their system to avoid any problems with your benefits. As a member of SSS, you should also know all new guidelines released by the agency. In summary, with the implemented law, SSS can provide you and the next generation with better retirement assistance in the future.

Articles Sources

1. Republic of the Philippines Social Security System https://www.sss.gov.ph/
2. Contribution rate increase boosts SSS fund life by 22 years https://www.sss.gov.ph/sss/
3. Republic Act No. 11199 https://www.officialgazette.gov.ph/…

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Authors

Digido Financial Writers Team

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Digido Financial Writers Team is a team of experts in the field of finance and credit, specializing in writing articles for Digido blogs.

Anna Kireeva

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Anna is a marketing communications professional who specializes in digital marketing strategies and long-form content.

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  Very fast and reliable source of money. Easy payment option also :)

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