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SSS contribution calculator (voluntary, self-employed, OFW)

Pick your MSC and see your 2026 SSS contribution, the Pension Booster share, and what it means for your pension.

I'm paying as

Your contribution per month

₱3,030

Land-based OFW, MSC ₱20,000 × 15% + ₱30 EC = ₱3,030 a month, ₱36,360 a year.

₱3,000regular SS, monthly
₱0MySSS Pension Booster (WISP)
₱30Employees' Compensation
₱36,360per year

What this MSC could mean at retirement

If your average MSC over your working life were ₱20,000 and you had 20 credited years, the regular monthly pension formula gives about ₱8,300 a month for life, plus a 13th-month pension each December. The Pension Booster balance is paid separately.

Rough estimate using the RA 11199 formula on the current MSC; real pensions use your actual contribution history and prevailing rules.

Based on the SSS contribution schedule in effect since January 2025 (15%, MSC ₱5,000–₱35,000). Pay through My.SSS, GCash, Maya, or accredited banks; OFWs can pay for the whole year in advance.

How SSS contributions work when there is no employer

Employees split the 15% with their employer. Voluntary members, self-employed members, and land-based OFWs pay the whole 15% themselves, based on a Monthly Salary Credit (MSC) they choose. The MSC runs from ₱5,000 to ₱35,000 in ₱500 steps; OFWs have a higher floor of ₱8,000. Your MSC matters twice: it sets the monthly amount now and the pension later.

Regular SS vs the Pension Booster

Contributions on the first ₱20,000 of MSC fund your regular SSS benefits: pension, sickness, maternity, disability, death, and loans. Contributions on the part above ₱20,000 go to the MySSS Pension Booster (formerly WISP), an individual account that earns dividends and is released as a lump sum or annuity when you retire. Self-employed and OFW members also pay a small Employees' Compensation premium of ₱10 or ₱30.

Should an OFW pay the maximum?

The pension formula rewards a higher average MSC, and only your last 60 months' MSCs can be raised without conditions once you are 55. Many OFWs pay the ₱35,000 maximum while earning abroad and drop to a lower MSC after coming home. Check the retirement estimate below the result to see what a given MSC is worth to you.

Questions

Can I skip months and catch up later?
Voluntary and OFW contributions must be paid within the deadline for that period (OFWs get until the end of the following year for January–September). Missed months cannot be paid retroactively after that.
How do I pay from abroad?
Generate a PRN in the My.SSS app or portal, then pay via GCash, Maya, online banking, or an SSS-accredited remittance partner. OFWs may pay a full year in advance.
What is the difference between voluntary and OFW membership?
Both pay the full 15%, but OFW members have an ₱8,000 minimum MSC, longer payment deadlines, and pay EC. If you were employed before leaving, tell SSS you are now an OFW so your record is updated.

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