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Taxes & IncomeSSS

SSS Maternity Benefit Calculator

The benefit runs on your salary credit history, not your current payslip — see what SSS actually owes you before your employer advances it.

Your Contribution History

₱

Average across your 6 highest-earning months in the 12 months before your semester of delivery.

Within the 12 months immediately before the semester of contingency — not total contributions ever posted.

Live birth (normal or C-section) — 105 days

Estimated total benefit

₱70,000.00

Monthly Salary Credit

₱20,000

Avg. Daily Salary Credit₱666.67
Days of Leave105 days
Benefit = ADSC × Days₱70,000.00

What this number actually is

A lot of people assume the maternity benefit is just their salary continuing for three-plus months. It isn't. SSS pays out a fixed formula built on your Average Daily Salary Credit (ADSC) — the average of your six highest Monthly Salary Credits in the 12 months before the semester your delivery or miscarriage falls in[1]. Your employer fronts the cash on your usual payroll dates, then claims it back from SSS afterward — you're not waiting on a government release before you get paid[1].

Two employees on the exact same salary right now can end up with different benefit amounts, because the computation looks backward at contribution history, not at today's payslip. This calculator assumes your salary credit was roughly flat across those six months — if it swung a lot (a raise, a gap, a new job), treat the number here as a close estimate, not a final figure. For the full mechanics — allocating days to the father, the solo parent extension, employer obligations — read the maternity leave guide.

How the days break down

SituationPaid Days
Live birth, normal or C-section105 days
Live birth, qualified solo parent105 + 15 = 120 days
Miscarriage or emergency termination60 days

Up to 7 of the mother's days can be handed to the child's father or an alternate caregiver[2]. That allocation moves who's off work — it doesn't change the peso amount this calculator gives you, since the benefit is computed on the mother's total entitled days regardless of who ends up taking them.

Eligibility, in plain terms

  • At least 3 monthly contributions in the 12-month period immediately before the semester of childbirth or miscarriage[1].
  • You must have notified SSS and your employer of the pregnancy in advance.
  • Applies to employed, self-employed, voluntary, and OFW members — the notification and filing steps differ slightly by membership type.
  • Covers every live birth, with no cap on the number of children and no requirement to be married.
⚠️
This is an estimate, not a claim amount.SSS computes your actual ADSC from your real contribution record, month by month — not a flat average. If your salary credit moved during the 12-month window, ask your HR or check your My.SSS record for the exact figure before budgeting around this number.

Frequently Asked Questions

Why 180 in the ADSC formula, if I only enter one salary figure?▼
SSS divides the sum of your six highest Monthly Salary Credits by 180 — that's 30 days times 6 months. Since this tool assumes a flat MSC across those six months, the sum collapses to MSC × 6, which is mathematically the same as dividing your single MSC by 30. The result is your average daily rate either way.
Does my employer pay on top of this, or is this the whole thing?▼
This figure is the SSS-funded portion, which your employer advances and then gets reimbursed for. Some employers voluntarily top this up to match full salary as a company benefit — that's a separate, optional policy, not something SSS pays.
What if I don't have 12 months of contribution history yet?▼
SSS still looks at whatever contributions fall inside that 12-month window before your semester of contingency — you just need at least 3 of them posted. A shorter work history doesn't disqualify you as long as that minimum is met.

References

  1. Social Security System — Maternity Benefit, computation basis and eligibility requirements.
  2. Republic Act No. 11210, the Expanded Maternity Leave Law (2019) — 105-day paid leave for live childbirth and the 7-day paternal allocation. Implementing agency: Department of Labor and Employment.
  3. Republic Act No. 8972, the Solo Parents' Welfare Act — basis for the 15-day solo parent extension.
  4. Republic Act No. 11199, the Social Security Act of 2018 — governs the Monthly Salary Credit structure this calculator's ADSC is derived from.

Last updated: July 4, 2026

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