The three, in plain words
Each contribution buys you something different. Here is what, and how much of it is yours to pay.
Retirement, sickness, maternity, disability, and funeral benefits. Your share is 5 percent of the monthly salary credit, capped at a ₱35,000 credit.
5% of MSCNational health insurance for hospital and medical costs. The 5 percent premium is split equally between you and your employer.
2.5%The national housing fund. Savings that earn dividends and qualify you for low-rate housing loans.
up to ₱200A worked example
where the pesos landTake a monthly salary of ₱20,000. SSS looks up the matching monthly salary credit, ₱20,000, and your 5 percent share is ₱1,000. PhilHealth takes 2.5 percent of your salary, ₱500, with your employer paying the other half. Pag-IBIG is 2 percent capped at ₱200. Your total deduction is about ₱1,700, and your employer quietly adds more than that again on top, which you never see on your payslip.
The ceilings are what keep the higher end from running away. SSS stops counting salary above a ₱35,000 credit, and the part of your credit above ₱20,000 is redirected into the MySSS Pension Booster, a provident fund that adds to your eventual pension rather than the regular pool. PhilHealth caps its base at ₱100,000, and Pag-IBIG caps yours at ₱200 a month. Below the floors the rules ease too: Pag-IBIG drops to 1 percent if you earn ₱1,500 or less.
These three are not just deductions. SSS funds retirement, sickness, maternity, and disability benefits, PhilHealth offsets hospital costs, and Pag-IBIG builds housing-loan eligibility and earns yearly dividends. They are also excluded from your taxable income, so tax is computed on what remains. To carry these figures through to your net salary, use the take-home pay calculator, and to project your eventual pension, the SSS pension calculator.
Questions people ask
answered in plain wordsThe total rate is 15 percent of your monthly salary credit, which ranges from ₱5,000 to ₱35,000. You shoulder 5 percent and your employer shoulders 10 percent, plus a small Employees' Compensation fee. If your salary credit is above ₱20,000, the contribution on the excess goes to your MySSS Pension Booster, a provident fund that adds to your retirement savings.
The premium is 5 percent of your monthly basic salary, with an income floor of ₱10,000 and a ceiling of ₱100,000. You and your employer split it equally, so your share is 2.5 percent, between ₱250 and ₱2,500 per month.
You contribute 2 percent of your monthly compensation up to a maximum fund salary of ₱10,000, so your share caps at ₱200. Your employer matches it with another ₱200. If you earn ₱1,500 or below, your share is only 1 percent.
Yes. Pag-IBIG accepts voluntary upgrades and offers the MP2 savings program, and SSS has voluntary provident options. Only the mandatory amounts are shown here.
The monthly salary credit, or MSC, is the bracketed figure SSS bases your contribution on rather than your exact salary. It runs in ₱500 steps from ₱5,000 to ₱35,000, and your monthly pay is matched to the nearest bracket. PhilHealth and Pag-IBIG work off your actual salary instead, each with its own floor and ceiling.
No. The employer share is paid on top of your salary, not taken from it. Only your employee share is deducted from your pay. For SSS your employer shoulders 10 percent plus a small Employees' Compensation fee, for PhilHealth another 2.5 percent, and for Pag-IBIG a matching ₱200.
Without an employer, you shoulder both shares yourself. A self-employed or voluntary SSS member pays the full 15 percent of a chosen salary credit, and PhilHealth and Pag-IBIG are likewise paid in full. This calculator shows the employee share of a member who is on an employer's payroll.
Yes. Mandatory SSS, PhilHealth, and Pag-IBIG contributions are excluded from your taxable income, which is why withholding tax is figured only after they are deducted. The take-home pay calculator applies them in that order.
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.