SSS PhilHealth Pag-IBIG Deduction Calculator Philippines

SSS PhilHealth Pag-IBIG Deduction Calculator Overview

Every employed individual in the Philippines is required to contribute to three government-mandated benefit systems: the Social Security System (SSS), the Philippine Health Insurance Corporation (PhilHealth), and the Home Development Mutual Fund (Pag-IBIG or HDMF). These contributions are shared between the employee and the employer, with the employee's share deducted directly from their monthly salary. Together, these three contributions form the core of the Philippines' social protection framework, providing employees with retirement benefits, healthcare coverage, and housing loan access.

The Social Security System (SSS) is the primary social insurance institution in the Philippines, providing a range of benefits including retirement pensions, disability benefits, maternity and sickness benefits, death and funeral grants, and salary loans. As of 2025, the total SSS contribution rate is 15 percent of the monthly salary credit, split between the employer (10 percent) and the employee (5 percent). The salary credit is determined by a bracket system that maps actual monthly salary ranges to specific salary credit amounts, with a minimum monthly salary credit of 4,000 pesos and a maximum of 35,000 pesos. This means that even high earners have their SSS contribution capped at the maximum salary credit level.

PhilHealth provides national health insurance coverage to all Filipino citizens and permanent residents. The 2025 PhilHealth premium rate is 5 percent of the monthly basic salary, shared equally between the employer and the employee (2.5 percent each). The contribution is computed based on the actual monthly salary, with a floor of 10,000 pesos and a ceiling of 100,000 pesos. This means employees earning below 10,000 pesos per month are assessed based on the floor amount, while those earning above 100,000 pesos are capped at the ceiling. PhilHealth benefits include inpatient and outpatient coverage, Z-benefit packages for catastrophic conditions, and preventive care services.

Pag-IBIG (HDMF) is a government savings programme that enables members to access housing loans at favourable interest rates. The contribution structure is straightforward: employees earning more than 1,500 pesos per month contribute 2 percent of their monthly salary, while employers contribute a matching 2 percent. For employees earning 1,500 pesos or less, the employee rate drops to 1 percent while the employer still contributes 2 percent. The maximum monthly compensation for computing Pag-IBIG contributions is 5,000 pesos under the mandatory contribution programme, though members can opt for higher contributions under the Modified Pag-IBIG II savings programme.

Why Accurate Deduction Calculations Matter

Understanding your mandatory deductions is essential for effective financial planning. Many Filipino employees are surprised by the gap between their gross salary and their net take-home pay after deductions. By using this calculator, you can see exactly how much is being deducted for each benefit, verify that your employer is making the correct contributions, and plan your monthly budget based on your actual net pay. Employers also benefit from accurate calculations to ensure compliance with government requirements and avoid penalties for under-contribution or late payment of premiums.