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 for maternity leave.
Calculators
3 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 nowGuides
5 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 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.