What this planner shows
Enter your expected due date and the tool works backwards through the SSS rules to show the exact months whose contributions count toward your maternity benefit. Then pick your SSS membership type: voluntary, self-employed, and OFW members enter a monthly contribution, while employed members enter their monthly salary — one salary box fills every qualifying month at once.
Each month starts pre-filled at the amount that reaches the maximum benefit, and you can edit any month to model a real plan — partial payments, skipped months, a raise, or different amounts. The reset button restores every month to your entered salary (or the max contribution). The readout updates your daily allowance (ADSC), compensable days, and projected total from the six highest months you enter.
How SSS computes the maternity benefit
- Semester of contingency — the two consecutive quarters (Jan–Mar, Apr–Jun, Jul–Sep, Oct–Dec) ending in the quarter of your delivery month. A May due date gives a January–June semester.
- 12-month qualifying period — the 12 months right before that semester. Those are the months that count, and the ones this tool lists.
- Six highest ÷ 180 — SSS adds your six highest Monthly Salary Credits (MSC) in that window and divides by 180 to get the Average Daily Salary Credit (ADSC).
- Compensable days — 105 for live childbirth (normal or cesarean), 60 for miscarriage or emergency termination, plus 15 more for a qualified solo parent.
SSS maternity benefit table (2025)
How the salary or contribution behind each Monthly Salary Credit (MSC) maps to the cash benefit. Any MSC at or above the ₱20,000 cap gives the same maximum — the band above it only funds your WISP/pension.
| Salary / MSC | Voluntary pays (15%) | Employed pays (5%) | Max benefit (105 days) |
|---|---|---|---|
| ₱5,000.00 | ₱750.00 | ₱250.00 | ₱17,500.00 |
| ₱10,000.00 | ₱1,500.00 | ₱500.00 | ₱35,000.00 |
| ₱15,000.00 | ₱2,250.00 | ₱750.00 | ₱52,500.00 |
| ₱20,000.00cap | ₱3,000.00 | ₱1,000.00 | ₱70,000.00 |
Assumes six qualifying months posted at that MSC and a live childbirth (105 days). For miscarriage (60 days) or a qualified solo parent (+15 days), and for partial or skipped months, use the calculator above.
How to max out your benefit
Reach the ₱20,000 MSC in at least six of the qualifying months. Pick your SSS membership type so the inputs match how your MSC is set. A voluntary, self-employed, or OFW member self-pays the full 15% and effectively chooses the MSC, so you enter the monthly contribution — about ₱3,000 to hit the cap at the 2025 rate. An employed member doesn't choose a contribution: the MSC comes off your monthly salary (your employer remits it and deducts your 5% share), so you enter your salary and any amount ₱20,000 or above posts the cap. Paying above the ₱20,000 MSC (up to the ₱35,000 ceiling) only adds to your WISP/pension savings — it does not increase the maternity payout, which is why the plan targets ₱20,000.
Why SSS maternity claims get denied
A surprising number of claims are denied even when the six qualifying months look correct on paper. The two most common reasons both come down to when the contributions were paid, not just which months they cover:
- Contributions paid too late don't count. SSS only credits contributions paid before the semester of contingency (the six-month block your delivery falls in). Anything paid within or after that semester is ignored for this claim — even for the right months — so a last-minute catch-up won't qualify you.
- New voluntary / self-employed members can't back-pay. Voluntary, self-employed, non-working-spouse, and OFW members pay prospectively only — SSS does not accept retroactive contributions to fill past months. So registering after you're already pregnant and paying a lump sum for earlier months generally won't be credited. This is why members who “paid the correct months” still get denied. Employed members are treated differently, since the employer remits each month as salary is earned.
- Fewer than three qualifying contributions inside the 12-month window, or a late or missing maternity notification, will also stop a claim regardless of the amounts.