How much is the SSS contribution in 2026?

It’s 15% of your monthly salary credit: 5% from you and 10% from your employer. At ₱20,000 that’s ₱1,000 from you.

Why is my PhilHealth ₱250 even though I earn less than ₱10,000?

PhilHealth counts at least ₱10,000 of income, so the smallest premium is ₱500 a month, ₱250 each.

Yes. ₱200 is the mandatory most; you can save more voluntarily, or open an MP2 account for higher dividends.

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What comes off your pay each month for the three mandatory contributions, and what your employer adds.

Taken from your pay each month₱2,075

Each month	You	Employer	Total
SSS (credit ₱25,000)	₱1,250	₱2,500	₱3,750
PhilHealth	₱625	₱625	₱1,250
Pag-IBIG	₱200	₱200	₱400
All three	₱2,075	₱3,325	₱5,400

Your share is deducted before tax, so it lowers the tax on your pay too.

SSS: 15% of your monthly salary credit (your pay rounded to the nearest ₱500, from ₱5,000 to ₱35,000). You pay 5%, your employer 10%.
PhilHealth: 5% of your basic salary, counted from ₱10,000 up to ₱100,000, split evenly: ₱250 to ₱2,500 each.
Pag-IBIG: 2% each on up to ₱10,000 of pay, so at most ₱200 from you and ₱200 from your employer (1% for you at ₱1,500 or less).

Rates as of October 2026. These are estimates for an ordinary employee, not tax or legal advice; your payslip and the agencies have the final word.

How much is the SSS contribution in 2026?: It’s 15% of your monthly salary credit: 5% from you and 10% from your employer. At ₱20,000 that’s ₱1,000 from you.
Why is my PhilHealth ₱250 even though I earn less than ₱10,000?: PhilHealth counts at least ₱10,000 of income, so the smallest premium is ₱500 a month, ₱250 each.
Can I pay more than ₱200 to Pag-IBIG?: Yes. ₱200 is the mandatory most; you can save more voluntarily, or open an MP2 account for higher dividends.

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