Philippine Social Security
SSS Salary Loan Calculator 2026
An SSS salary loan is a multi-purpose cash loan for qualified members. The loan amount depends on the member’s contribution history and salary, and the monthly amortization depends on the term and interest rate.
Official Standards & Rule Matrix
Loan basisEligibility and amount depend on contributions
TermCommon multi-month amortization schedules
InterestAnnual interest rate applied to the loan
ScopeEstimate only; SSS approves the actual amount
How to use this tool
- Enter your salary or Monthly Salary Credit.
- Enter the desired loan term and rate.
- Review the estimated loan amount and monthly amortization.
- Check your SSS account for the actual offer and eligibility.
Computed completely in your browser. No personal data or numbers are transmitted over the network.
Frequently Asked Questions
- How much can I borrow?
- The amount depends on your contribution history and salary, subject to SSS limits. The calculator gives an estimate; the SSS approves the actual loan.
- How is the amortization computed?
- The monthly payment depends on the principal, term and interest rate. The calculator uses the rate and term you enter.
- Can I pay the loan early?
- Check the current SSS rules. Early repayment may reduce interest, but the process and any adjustments depend on the agency.
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