SSS Maternity Benefit Calculator

What this calculator does

It takes your six highest monthly salary credits from the 12-month period immediately preceding the semester of contingency, divides their total by 180 to get the Average Daily Salary Credit, and multiplies that by the number of days your contingency carries.

SSS pays maternity at 100% of the ADSC. There is no reduction factor, which is what separates it from the sickness benefit at 90%.

The three day counts

These are statute, not arithmetic. A solo parent gets 15 more days than the standard 105, and a miscarriage or emergency termination carries 60, which is 45 fewer.

Worked example at the ceiling

A member whose six highest monthly salary credits are all at the ₱20,000 benefit ceiling:

The arithmetic is the site’s own sssMaternityBenefit, not a hand computation. A solo parent at the ceiling receives ₱10,000.00 more than the standard 105-day benefit.

The full projection table

Every row is this calculator’s own output, at a flat monthly salary credit across all six months and the ceiling left at ₱20,000.

The benefit is exactly linear in the salary credit, because nothing in the maternity formula tapers: doubling the MSC from ₱10,000 to ₱20,000 doubles the 105-day benefit from ₱35,000.00 to ₱70,000.00.

The ₱20,000 ceiling is the thing most people miss

SSS computes the benefit on a monthly salary credit up to ₱20,000, even where the member’s actual contributions sit on a higher MSC. Two members earning very differently can therefore receive an identical ₱70,000.00.

The ceiling is a field on this calculator rather than a constant in its code. SSS moves the contribution schedule by circular, and a figure baked into a page is the figure that goes stale first. Read the current ceiling off the SSS contribution table guide and type it in.

Allocating days to the father

Up to 7 days of the mother’s leave credits may be allocated to the child’s father or to a qualified alternate caregiver. The calculator subtracts those days from the mother’s own entitlement rather than adding to the total, because that is how the allocation works: 105 days becomes 98 for the mother and 7 for the father.

At the ₱666.67 daily allowance, 7 allocated days move ₱4,666.67 from one claim to the other. Allocation does not apply to a miscarriage or emergency termination, and the calculator rejects it there.

What you need before you claim

The 3-month requirement is a floor on eligibility, not on the benefit: three contributions qualify you, but the ADSC still uses the six highest credits in the period, so a member with exactly 3 contributions has three zero months in the divisor.

What this calculator does not do

It does not check your eligibility, decide whether your contributions fall in the right semester, or account for a claim SSS has already settled. It computes the published formula on the figures you give it.

It also does not cover the 90% sickness benefit, which uses the same ADSC on a different rate. That one has its own SSS sickness benefit calculator. The separate PhilHealth maternity package is covered in the PhilHealth case rates guide.

Read next

The benefit itself, its conditions and how to file are set out in the SSS maternity benefit guide.