Free toolsContribution calculator, 2026.
SSS, PhilHealth and Pag-IBIG: what the employee pays and what the company pays, from one monthly pay.
How each one is worked out
- SSS. 15% of the monthly salary credit: 5% from the employee, 10% from the company. The credit runs from ₱5,000 to ₱35,000 in ₱500 steps. The company column includes EC: ₱10 below a ₱15,000 credit, ₱30 from it. SSS is figured on the whole month’s pay, overtime and premium pay included.
- PhilHealth. 5% of the monthly basic pay, shared half and half. Pay below ₱10,000 is treated as ₱10,000, and pay above ₱100,000 as ₱100,000.
- Pag-IBIG. 2% from the employee and 2% from the company, on pay up to ₱10,000. That is ₱200 each at most.
The SSS table
| Monthly pay | Salary credit | Employee | Company (with EC) |
|---|
Questions
Is this the table for 2026?
Yes. SSS has kept the 15% schedule from January 2025 through 2026, PhilHealth is at its final 5% step, and Pag-IBIG has used the ₱10,000 limit since February 2024. We checked these on 2 November 2026. Check again when an agency issues a new circular.
Why does the SSS figure use the whole pay and PhilHealth only the basic?
SSS counts all compensation, overtime and premium pay included. PhilHealth and Pag-IBIG count the basic pay. Type the number that fits the contribution you are working out.
Does the company pay anything on top of the employee share?
Yes. The company pays its own share on top of what is taken from the employee. This calculator shows both, so you can see the real cost of one person.
Do it for every person, every pay day
ClockIN works these out from the clock-ins and prints the payslips. Free through your first full pay period, no card.