The SSS, PhilHealth & Pag-IBIG Contribution Calculator helps employed Filipinos review three common payroll contributions in one place. Enter the relevant monthly salary for each agency to see the estimated employee deduction, employer share and combined monthly total.
The three input amounts can be identical, but they are processed under different contribution rules. This matters because SSS uses a Monthly Salary Credit, PhilHealth applies a premium rate within salary limits, and Pag-IBIG restricts the fund salary used by this calculator.
What Is the SSS, PhilHealth & Pag-IBIG Contribution Calculator?
This calculator estimates contributions for an employed member with an employer sharing the required payments. It does not use one combined percentage for all three programs.
Its result provides a breakdown of:
- SSS Monthly Salary Credit
- Employee and employer SSS contributions
- Employees’ Compensation contribution
- Employee and employer PhilHealth shares
- Employee and employer Pag-IBIG shares
- Total employee deduction
- Total employer contribution
- Combined monthly contributions
- Estimated annual employee contributions
The employee total can help with salary planning. To explore other Philippine payroll and financial tools, visit the Calculator Philippines resource hub.
How to Use the Calculator
Enter your applicable salary information in the three separate fields:
- Enter your SSS monthly compensation.
- Enter your PhilHealth monthly basic salary.
- Enter your Pag-IBIG monthly fund salary.
- Select “Calculate Contributions.”
- Review the separate employee and employer results.
Do not assume that every salary field must contain the same figure. Payroll may use different definitions or salary bases depending on your compensation and membership classification.
If you are unsure, compare the entries with your payslip or ask payroll which amount was reported to each agency.
How to Calculate Contributions Step by Step Using Example Values
The screenshot displays ₱30,000 as the example for all three salary fields. Using those figures, the calculator processes each contribution separately.
Step 1: Calculate the SSS Contribution
For ₱30,000 monthly compensation, the calculator assigns an SSS Monthly Salary Credit of ₱30,000.
The employee share is:
₱30,000 × 5% = ₱1,500
The employer’s regular SSS share is:
₱30,000 × 10% = ₱3,000
An Employees’ Compensation contribution of ₱30 applies at this salary-credit level and is paid by the employer.
Therefore:
Employer SSS contribution = ₱3,000 + ₱30 = ₱3,030
The calculator’s rate and salary-credit treatment follows the contribution structure published in the current SSS schedule. Actual posting should still be checked through payroll or the member’s SSS account.
Step 2: Calculate the PhilHealth Contribution
The calculator applies a 5% total premium to the entered PhilHealth monthly basic salary and divides it equally between employee and employer.
Using ₱30,000:
Total PhilHealth premium = ₱30,000 × 5% = ₱1,500
The employee share is:
₱1,500 ÷ 2 = ₱750
The employer also contributes:
₱1,500 ÷ 2 = ₱750
This gives a combined PhilHealth contribution of ₱1,500 for the month.
Step 3: Calculate the Pag-IBIG Contribution
Although the example monthly fund salary is ₱30,000, the calculator limits the contribution salary base to ₱10,000.
For an employee above the lower salary threshold, the calculator applies a 2% employee rate:
Employee Pag-IBIG contribution = ₱10,000 × 2% = ₱200
The employer rate is also 2%:
Employer Pag-IBIG contribution = ₱10,000 × 2% = ₱200
The combined Pag-IBIG contribution is therefore:
₱200 + ₱200 = ₱400
Entering a salary higher than ₱10,000 does not increase the regular Pag-IBIG contribution shown by this calculator.
Step 4: Combine the Employee Deductions
Add the three employee shares:
₱1,500 SSS + ₱750 PhilHealth + ₱200 Pag-IBIG = ₱2,450
The estimated total deducted from the employee for the month is ₱2,450.
For a simple twelve-month projection:
₱2,450 × 12 = ₱29,400
This annual figure assumes that the entered salaries, contribution rules and membership status remain unchanged throughout all twelve months.
Step 5: Combine the Employer Contributions
The estimated employer total is:
₱3,030 SSS + ₱750 PhilHealth + ₱200 Pag-IBIG = ₱3,980
Combining both sides gives:
₱2,450 employee + ₱3,980 employer = ₱6,430
The employer contribution is not normally added to the employee’s take-home pay. It is displayed so users can understand the complete contribution breakdown.
Why the Three Salary Bases May Differ
SSS monthly compensation is converted into an applicable Monthly Salary Credit. The calculator also applies minimum and maximum limits before calculating the contribution.
PhilHealth uses monthly basic salary within the floor and ceiling built into the calculator. Allowances or other payments may be treated differently, so gross compensation should not automatically be copied into this field.
Pag-IBIG uses a monthly fund salary, but this calculator caps the contribution base at ₱10,000. That is why a ₱30,000 entry produces a regular employee contribution of ₱200 rather than ₱600.
Contributions and Pag-IBIG Housing Loans Are Different
Regular Pag-IBIG contributions do not determine a property’s price, down payment, interest rate or monthly housing-loan instalment. For those figures, use the Pag-IBIG Housing Loan Calculator separately.
Contribution history may form part of membership or eligibility checks, but this calculator cannot approve a housing loan. Only the relevant agency can assess an application and confirm its approved amount and terms.
When to Use the Standalone SSS Calculator
This page is useful when you need a combined view of all three payroll programs. If you only want to examine the SSS salary bracket, employee share, employer share and EC amount, the SSS Contribution Calculator provides a more focused calculation.
Do not add the combined result from both pages. They are alternative views, and using both totals as separate deductions would count the SSS amount twice.
Important Limitations
The calculator provides an estimate and cannot access your official contribution records. It does not confirm whether an employer remitted the amounts or whether they were posted to the correct membership account.
Results may differ because of:
- Incorrect salary bases
- Changes in contribution schedules
- Different membership classifications
- Mid-month salary adjustments
- Unpaid leave or payroll corrections
- Voluntary or self-employed contributions
- Employer-specific payroll timing
- Rounding and retroactive adjustments
The calculator is structured for an employed-member example. Self-employed, voluntary, OFW, household-worker and other membership categories may follow different payment responsibilities.
Common Mistakes to Avoid
Do not enter annual income in fields requesting monthly salary. Doing so will substantially overstate the contribution estimate.
Avoid assuming that SSS, PhilHealth and Pag-IBIG use exactly the same salary definition. Check each reported base separately.
A displayed employer share should not be treated as an employee deduction. Also remember that the annual projection is only the monthly employee total multiplied by twelve, not an official account statement.
Frequently Asked Questions
Q1: Can I enter ₱30,000 in all three fields?
A: Yes, if ₱30,000 is the applicable salary base for each program. The calculator will still apply each agency’s separate calculation method.
Q2: What is the estimated employee deduction at ₱30,000?
A: Using the displayed example and the calculator’s current rules, the employee total is ₱2,450 per month.
Q3: Why is the Pag-IBIG employee result only ₱200?
A: The calculator caps the contribution salary base at ₱10,000 and applies a 2% employee rate, producing ₱200.
Q4: Does the result show employer contributions?
A: Yes. It separates employee deductions from employer shares and displays their combined total.
Q5: Is the annual result guaranteed?
A: No. It is a projection based on the monthly result. Salary changes, updated rates, missed periods and payroll adjustments can alter the actual annual amount.
Q6: Is this an official contribution statement?
A: No. Confirm salary bases and posted contributions with your employer and the appropriate agency records.