The Social Security System (SSS) has released its updated contribution schedule for 2025, and both employees and employers need to understand the new rates. Contributions are crucial because they determine future benefits such as retirement pensions, sickness allowances, maternity benefits, and other forms of financial assistance. With the adjustments, members can now see how much they are required to pay monthly based on their salary bracket.
Why the New Contribution Rates?
The SSS regularly reviews contribution rates to strengthen its fund reserves and ensure the long-term sustainability of member benefits. With inflation and rising pension obligations, contribution adjustments are necessary. These changes aim to secure better retirement packages and enhance social security for all members.
How Contributions Are Shared
Contributions are not shouldered by employees alone. They are shared between the employer and employee, with self-employed, voluntary members, and overseas Filipino workers (OFWs) paying the full share themselves. The contribution rate is applied to an employee’s monthly salary credit (MSC), which is based on their income bracket.
SSS Contribution Table 2025
The table below gives a simplified view of the SSS contribution schedule for 2025. (Figures are illustrative and rounded for clarity. Members should always check the official SSS circular for exact amounts.)
| Monthly Salary Range | Monthly Salary Credit (MSC) | Total Contribution Rate (14%) | Employee Share | Employer Share | Self-Employed / Voluntary |
|---|---|---|---|---|---|
| ₱4,000 – ₱4,999 | ₱4,500 | ₱630 | ₱270 | ₱360 | ₱630 |
| ₱10,000 – ₱10,999 | ₱10,500 | ₱1,470 | ₱630 | ₱840 | ₱1,470 |
| ₱15,000 – ₱15,999 | ₱15,500 | ₱2,170 | ₱930 | ₱1,240 | ₱2,170 |
| ₱20,000 – ₱20,999 | ₱20,500 | ₱2,870 | ₱1,230 | ₱1,640 | ₱2,870 |
| ₱25,000 – ₱25,999 | ₱25,500 | ₱3,570 | ₱1,530 | ₱2,040 | ₱3,570 |
| ₱30,000 & above (Maximum MSC) | ₱30,000 | ₱4,200 | ₱1,800 | ₱2,400 | ₱4,200 |
Key Points for Members
Employees should note that their share is automatically deducted from their monthly salary, while employers remit the combined contribution to SSS. For self-employed and voluntary members, payment can be made through accredited banks, online portals, and payment centers. OFWs are also encouraged to update their contributions regularly to secure continuous benefit coverage.
Why It Matters for Your Future
While higher contributions may feel like an added expense, they translate into higher benefits in the future. The more you contribute, the better your chances of receiving a bigger pension and wider benefit coverage. This makes compliance essential not just for short-term protection but also for long-term financial security.
Final Thoughts
The SSS Contribution Table 2025 ensures that members contribute fairly based on their income, while also strengthening the pension system. By keeping track of your salary bracket and paying contributions on time, you secure essential benefits for yourself and your family.