SSS Maternity Benefit Calculator 2026 (105 Days)
Estimate your SSS maternity benefit for 105 days (120 if solo parent, 60 for miscarriage) and your employer’s salary differential.
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Good to know: SSS pays 100% of your Average Daily Salary Credit (ADSC) for each leave day: add your six highest monthly salary credits in the 12 months before the semester of delivery (only the regular part, up to ₱20,000 each), divide by 180, then multiply by 105 days (120 for solo parents, 60 for miscarriage/emergency termination). The most anyone can get for 105 days is ₱70,000. You need at least 3 monthly contributions in that 12-month window. Under RA 11210 most employers must also pay the salary differential (your full pay minus the SSS benefit); some small businesses are exempt. Rules checked November 10, 2026. SSS has the final word — check your official record or payslip.
How to use it (step by step)
- 1Fill in the boxes: “Your monthly salary in the 12 months before the semester of delivery”, “How many months you paid SSS in that 12-month window”, “Type of delivery”, “Also estimate the salary differential my employer pays”. Example numbers are already there so you can see how it works; replace them with yours.
- 2The result updates instantly as you type (on a phone it is below the boxes).
- 3The bold line is the main answer. Tap Copy next to any value to copy it.
Words to know
- SSS, PhilHealth, Pag-IBIG
- Philippine government contributions taken from salary for social security, health insurance and housing savings.
- MSC (Monthly Salary Credit)
- The salary amount SSS uses for your contribution and benefits: your pay rounded to the nearest ₱500, from ₱5,000 to ₱35,000. Like a “price tag” SSS puts on your salary.
- ADSC / AMSC
- Your average salary credit — what SSS uses to compute benefits. ADSC is per day (six highest monthly credits ÷ 180); AMSC is per month.