Contributions2 min read · Updated October 21, 2026

SSS contributions in 2026: what you pay

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

The SSS rate is 15% of your monthly salary credit. Employees pay 5%. See the range from ₱250 to ₱1,750 a month.

What you pay

Your salary is rounded to the nearest ₱500 within the range. Pay above ₱35,000 is capped at the maximum.

How much is the SSS contribution rate?

15% of the monthly salary credit, with 5% paid by the employee.

What is the maximum SSS contribution?

₱1,750 a month for the employee on the ₱35,000 maximum.

Published October 21, 2026. Estimates, not tax or mortgage advice.