How to Get an SSS Number (2026)
Registration for employed, self-employed, and voluntary members — the My.SSS portal, required documents, and mistakes that get accounts flagged.
Read the guideSocial Security System
SSS Calculators & Guides
Every SSS tool and guide on Sahod PH, in one place — what you pay in, what you can borrow, and what you're owed when you get sick, have a baby, lose a job, or retire.
Calculators
9 toolsSSS Contribution Calculator
See your SSS Monthly Salary Credit and the exact peso split between your share and your employer's.
Try it nowSSS Salary Loan Calculator
See how much you can borrow based on your salary and total SSS contributions — including the real ₱20,000 loan cap.
Try it nowSSS Maternity Benefit Calculator
See your estimated SSS maternity cash benefit — Average Daily Salary Credit, days entitled, and total payout under RA 11210.
Try it nowSSS Sickness Benefit Calculator
Work out your daily sickness allowance — 90% of your Average Daily Salary Credit — and the total for your days of confinement.
Try it nowSSS Retirement Pension Calculator
Estimate your SSS monthly pension. Compares all three SSS formulas, adds the ₱1,000 benefit and dependent's pension.
Try it nowSSS Unemployment Benefit Calculator
Laid off or retrenched? See your involuntary separation payout — 50% of your salary credit for two months, as one lump sum.
Try it nowSSS Disability Benefit Calculator
Permanent total or partial disability — see whether you get a monthly pension or a lump sum, and for how many months.
Try it nowSSS Death & Funeral Benefit Calculator
What the family can claim when a member dies — survivor pension or lump sum, dependent's pension, plus the funeral grant.
Try it nowSSS LoanLite Calculator
The ₱1,000–₱20,000 microloan at 8% a year — see what the flat ₱200 bank fee does to the real annualized cost.
Try it nowGuides
12 guidesSSS Salary Loan: How Much You Can Actually Borrow
The Monthly Salary Credit ceiling, 8% vs. 10% interest, and what you'd actually receive after fees.
Read the guideHow to Generate Your SSS Salary Loan PRN
Where to click in My.SSS to get a Payment Reference Number for a loan that's already been approved.
Read the guideHow to Pay Your SSS Salary Loan via GCash
Once you have a PRN, the exact GBills screen-by-screen flow to settle it.
Read the guidePhilippine Maternity Leave Rules Explained (RA 11210)
105 days of paid leave, the solo parent extension, the 7-day father allocation, and how the benefit gets computed.
Read the guideSSS Sickness Benefit 2026: How Much You Get and How to File
90% of your daily salary credit per approved day — the 4-day minimum, the 5-day notice rule, and three worked examples.
Read the guideSSS Pension Computation 2026: The Three Formulas Explained
SSS runs three formulas and pays the highest. Which one wins for you, and what the ₱1,000 benefit and 13th month add.
Read the guideSSS Unemployment Benefit 2026: Who Qualifies and How Much
50% of your salary credit for two months, as one lump sum — the authorized-cause rule, the DOLE certification, and the 1-year deadline.
Read the guideSSS Disability Benefit 2026: Pension, Lump Sum, and the Month Schedule
Permanent total or partial, pension or lump sum — the four outcomes, the RA 11199 schedule of months, and the ₱500 supplemental allowance.
Read the guideSSS Death & Funeral Benefit 2026: Pension, Lump Sum, and How to Claim
What the family can claim when a member dies — and why 36 contributions decides between a monthly survivor pension and a one-time lump sum.
Read the guideSSS LoanLite 2026: What the ₱1,000–₱20,000 Microloan Really Costs
15 to 90 days at 8% a year, plus a flat ₱200 bank fee that decides the actual price. The eligibility rules and the effective rate nobody quotes you.
Read the guideSSS Contribution Table 2026 — Employers and Employees
The full table bracket by bracket, plus where the money above a ₱20,000 salary credit actually goes.
Read the guideHow SSS decides what you get
SSS is the government-run insurance program for private-sector employees, self-employed individuals, voluntary members, and Overseas Filipino Workers — separate from GSIS, which covers government employees. Every month, a percentage of your salary goes into your Monthly Salary Credit (MSC), the bracket SSS uses to size almost everything it pays out later: your salary loan ceiling, your maternity benefit, and eventually your pension[1].
That bracket is where most of the confusion starts, since SSS computes your benefits off the MSC, not off your payslip directly. Two people earning the same salary can land on different numbers depending on how their MSC history looks. The tools above exist to skip that translation step — plug in your real numbers and get the peso amount SSS would compute.
References
- Republic Act No. 11199, the Social Security Act of 2018 — governs contribution rates, the Monthly Salary Credit structure, and covered benefits. Administered by the Social Security System.
- Republic Act No. 11210, the Expanded Maternity Leave Law (2019) — basis for the maternity benefit computation covered above.