The Social Security System (SSS) of the Philippines has released the updated contribution rates for 2025, affecting employees, employers, and self-employed individuals. The increase aligns with the Social Security Act of 2018, which mandates a gradual rise in contributions to sustain the pension fund and improve member benefits.
For 2025, the SSS contribution rate has increased from 14% to 15% of the monthly salary credit (MSC). Employees and employers will share this adjustment, while self-employed and voluntary members must pay the full amount based on their chosen salary credit.
New SSS Contribution Table 2025
For Employees and Employers
| Monthly Salary Credit (MSC) | Employee Share | Employer Share | Total Contribution |
|---|---|---|---|
| ₱4,000 | ₱200 | ₱300 | ₱500 |
| ₱10,000 | ₱500 | ₱750 | ₱1,250 |
| ₱20,000 | ₱1,000 | ₱1,500 | ₱2,500 |
| ₱30,000 | ₱1,500 | ₱2,250 | ₱3,750 |
For Self-Employed and Voluntary Members
| Monthly Salary Credit (MSC) | Total Contribution |
|---|---|
| ₱4,000 | ₱500 |
| ₱10,000 | ₱1,250 |
| ₱20,000 | ₱2,500 |
| ₱30,000 | ₱3,750 |
Overseas Filipino Workers (OFWs) are required to contribute based on their declared monthly salary, with a minimum MSC of ₱8,000.
Who is Affected by the 2025 SSS Contribution Changes?
Employees will experience a slight increase in salary deductions, while employers must adjust their payroll systems to reflect the new rates. Self-employed individuals, including freelancers and small business owners, must ensure they remit their updated contributions to maintain eligibility for benefits. Voluntary members and OFWs should also comply with the new rates to sustain their social security coverage.
Reason for the Contribution Increase
The gradual increase in SSS contributions aims to improve the long-term sustainability of the pension fund. By raising contribution rates, SSS can offer higher retirement, disability, and death benefits to members. This adjustment also helps secure financial stability for future pensioners.
How to Update Your SSS Contributions
Employers should revise payroll deductions and submit updated reports through the SSS online portal. Self-employed and voluntary members can log into My.SSS, select their new salary credit, and make payments via authorized banks, mobile wallets, or payment centers.
SSS Contribution Payment Deadline
Employees and employers must remit payments at the end of each month, while self-employed and voluntary members can pay monthly or quarterly. Late payments may result in penalties and delays in benefit claims.
Final Thoughts
The 2025 SSS contribution rate increase ensures better benefits and long-term security for members. While this means higher contributions, it strengthens the pension system and enhances financial support for retirees and beneficiaries. Members are encouraged to check the My.SSS portal or visit the SSS official website for further details.