Understanding your salary deductions in the Philippines can be confusing. Every month, employers automatically deduct SSS, PhilHealth, and Pag-IBIG contributions from your salary—but how are these amounts actually computed?
With the SSS, PhilHealth & Pag-IBIG Contribution Calculator Philippines 2025, you can instantly determine your total contributions and net take-home pay. This calculator simplifies the process and ensures accuracy using the latest contribution tables for 2025.
Let’s explore how each deduction works, why it’s important, and how to compute them correctly.
💡 Why You Should Know Your Monthly Contributions
Understanding your contributions helps you:
- Verify if your employer remits the correct amount
- Plan your budget more effectively
- Maximize your government benefits
- Avoid underpayment penalties or discrepancies
Whether you’re a regular employee, self-employed, or freelancer, knowing your SSS, PhilHealth, and Pag-IBIG payments gives you full control over your financial health.
🧮 The 3 Major Government Contributions Explained
1️⃣ Social Security System (SSS)
The SSS provides benefits for retirement, disability, sickness, maternity, and death.
In 2025, the contribution rate is 15% of the employee’s monthly salary credit (MSC), shared between the employer (9.5%) and employee (4.5%).
Example:
If your monthly salary is ₱30,000:
- Total Contribution: ₱4,500
- Employer Share: ₱2,850
- Employee Share: ₱1,650
✅ The SSS Contribution Calculator 2025 instantly computes these based on your income.
2️⃣ PhilHealth Contribution
PhilHealth provides health insurance coverage for hospitalizations, surgeries, and treatments.
In 2025, the premium rate is 5% of monthly salary, shared equally by employer and employee.
Example:
If your salary is ₱30,000:
₱30,000 × 5% = ₱1,500
- Employer: ₱750
- Employee: ₱750
✅ Use the calculator to confirm your exact monthly PhilHealth premium.
3️⃣ Pag-IBIG Contribution
The Pag-IBIG Fund (HDMF) helps members save for housing, retirement, and loans.
Employee contribution: 1% or 2%, depending on your salary bracket.
Employer contribution: 2%.
Example:
If your salary is ₱15,000 or more:
- Employee: ₱100 (2%)
- Employer: ₱100 (2%)
✅ You can also check how much you can borrow for a home using the Pag-IBIG Housing Loan Calculator.
📊 2025 Contribution Summary Table
| Deduction | Rate | Shared By | Example (₱30,000 Salary) |
|---|---|---|---|
| SSS | 15% | Employer 9.5%, Employee 4.5% | ₱4,500 |
| PhilHealth | 5% | 50/50 | ₱1,500 |
| Pag-IBIG | 2% | Employer 2%, Employee 2% | ₱200 |
Total Deductions: ₱6,200 per month
Your Net Salary = ₱30,000 – ₱6,200 = ₱23,800 (before taxes).
You can verify this using the Net Salary Calculator Philippines 2025.
⚖️ How These Contributions Benefit You
| Program | Benefits |
|---|---|
| SSS | Pension, sickness benefit, maternity, calamity loans |
| PhilHealth | Hospitalization, outpatient care, COVID coverage |
| Pag-IBIG | Housing loans, MP2 savings, calamity loans |
Even though they reduce your take-home pay, these deductions are investments in your financial security.
💻 How the SSS, PhilHealth & Pag-IBIG Contribution Calculator Works
- Enter your monthly basic salary.
- Choose your employment type (employed, self-employed, freelancer).
- The calculator automatically applies updated 2025 rates.
- It displays:
- Employer share
- Employee share
- Total monthly contribution
You can also combine this with the BIR Income Tax Calculator Philippines (Updated 2025) to view your full salary breakdown.
🧠 Example Computation (Comprehensive View)
Let’s use a monthly salary of ₱40,000.
| Contribution | Employer | Employee | Total |
|---|---|---|---|
| SSS | ₱3,800 | ₱1,800 | ₱5,600 |
| PhilHealth | ₱1,000 | ₱1,000 | ₱2,000 |
| Pag-IBIG | ₱100 | ₱100 | ₱200 |
Total Contributions: ₱7,800
Net Salary (before tax): ₱32,200
Now add your BIR tax using the BIR Income Tax Calculator 2025, and you’ll get your final take-home pay.
📆 Contribution Deadlines & Remittance Schedule
Employers must remit contributions monthly or quarterly.
- SSS: On or before the last day of the following month
- PhilHealth: By the 11th–15th of the following month
- Pag-IBIG: On or before the 10th day of the following month
Freelancers and voluntary members can pay through online portals or payment partners.
🧾 Related Calculators for Financial Planning
To better understand your income, try combining multiple calculators:
- Net Salary Calculator Philippines 2025 – For total take-home computation.
- 13th Month Pay Calculator Philippines – To include your bonus in yearly income.
- Pag-IBIG Housing Loan Calculator – To estimate home loan payments.
- Personal Loan Calculator Philippines – For short-term borrowing estimates.
- Car Loan Calculator Philippines – If you plan to finance a new vehicle.
- Compound Interest Calculator (Philippine Peso Example) – To project your savings growth.
- Freelancer Tax Calculator Philippines – For self-employed contribution accuracy.
- BIR Income Tax Calculator Philippines
🧾 FAQs About Contributions
Q1. What happens if my employer doesn’t remit my contributions?
A: You can file a complaint with the respective agency. Employers are legally obligated to remit on time.
Q2. Can I pay contributions voluntarily?
A: Yes. Freelancers, OFWs, and self-employed individuals can enroll as voluntary members.
Q3. How do I know if my contributions are up to date?
A: Log in to your online SSS, PhilHealth, or Pag-IBIG account to verify records.
Q4. Are contributions refundable?
A: No. They’re part of your long-term benefits (retirement, health, and housing).
Q5. How can I calculate my total yearly contributions?
A: Multiply your monthly contributions by 12, or use the online SSS, PhilHealth & Pag-IBIG Calculator 2025.