How the benefit is built
Four things decide your maternity benefit. Here is each one, and how it adds up.
Your monthly salary credit, matched to your salary in steps of 500 and capped at ₱35,000. The benefit is built on this, not your exact salary.
up to ₱35,000Your six highest monthly salary credits added up and divided by 180. This is the average daily salary credit, the value of one paid day.
MSC × 6 ÷ 180105 days for a live birth, 120 for a solo parent, or 60 for a miscarriage or emergency termination.
105 · 120 · 60The daily allowance times the compensable days. This is the SSS cash benefit, before any salary differential from your employer.
daily × daysTurning salary credit into cash
worth planning forThe maternity benefit is a cash amount from SSS, not a share of your paycheck. It starts from your monthly salary credit, which is your salary matched to the nearest bracket in steps of ₱500 and capped at ₱35,000. To find the value of a single paid day, SSS takes your six highest salary credits in the year before the semester of delivery, adds them, and divides by 180. On a steady salary that is simply your salary credit times six, divided by 180.
Say your salary credit sits at ₱20,000. Six months of it comes to ₱120,000, and dividing by 180 gives a daily allowance of ₱666.67. A normal live birth is paid for 105 days, so the benefit is about ₱70,000. A qualified solo parent is paid for 120 days, and a miscarriage or emergency termination for 60. At the ₱35,000 ceiling the daily allowance reaches ₱1,166.67, which is roughly ₱122,500 for a 105-day leave.
Qualifying takes at least three monthly contributions in the 12 months before the semester of your delivery, plus notifying SSS of the pregnancy. Employed, voluntary, and self-employed members can all claim. If you are in the private sector, your employer pays the salary differential between your full pay and this SSS amount, and that top-up is currently exempt from income tax. To see how the contributions that fund this benefit are deducted, use the contributions calculator, and to plan for what comes after the birth, the baby cost calculator helps.
Questions people ask
answered in plain wordsYour benefit is the average daily salary credit multiplied by the number of paid days. The average daily salary credit is your six highest monthly salary credits in the 12 months before the semester of your delivery, added together and divided by 180. For a steady salary, that simplifies to your monthly salary credit times six, divided by 180.
The 105-Day Expanded Maternity Leave Law gives 105 days for a live birth, whether normal delivery or cesarean. A qualified solo parent gets 15 more, for 120 days. A miscarriage or emergency termination of pregnancy gives 60 days.
The monthly salary credit is capped at ₱35,000, so the highest average daily salary credit is ₱1,166.67. For a 105-day live birth that works out to about ₱122,500, and for a 120-day solo parent leave about ₱140,000. Earning above ₱35,000 does not raise the benefit further.
You need at least three monthly contributions within the 12 months right before the semester of your delivery or miscarriage, and you must notify SSS of your pregnancy. Both employed and voluntary or self-employed members can qualify. This calculator assumes you meet these rules, so check your contribution record to be sure.
If you are employed in the private sector, your employer pays the difference between your full pay for the leave and the SSS cash benefit, so you receive your full salary while on leave. This calculator shows the SSS portion only. The salary differential is on top and is currently exempt from income tax.
No. Every calculation runs privately on your device. Nothing you type is stored, tracked, or sent to a server.
Where these numbers come from
straight from the sourceThe rates and rules on this page follow the official issuances below. When an agency updates a schedule, this is where to confirm the current figure against your own situation.