SSS Maternity Benefit Calculator
Find out how much cash SSS will pay for your 105-day maternity leave under RA 11210 — plus the salary differential your employer is required to shoulder.
Your inputs
Based on RA 11210 (105-Day Expanded Maternity Leave Law) and the SSS MSC schedule of ₱5,000–₱35,000.
Rounded to your MSC bracket: ₱25,000.
You need at least 3 within January 2025 – December 2025.
Up to 7 days may be transferred, deducted from your own leave.
1. Your maternity benefit
Semester of contingency: January–June 2026. SSS looks at your MSCs from January 2025 – December 2025.
2. Salary differential your employer owes
RA 11210 requires private employers to top up the SSS benefit so you receive your full pay for the whole leave — unless the employer is exempt.
2026 SSS Maternity Benefit Table
Benefit by MSC bracket — 105, 120 and 60-day claims.
2026 SSS Maternity Benefit Table
Benefit by MSC bracket — 105, 120 and 60-day claims.
| MSC | ADSC | 105 days | 120 days (solo) | 60 days |
|---|---|---|---|---|
| ₱5,000 | ₱166.67 | ₱17,500 | ₱20,000 | ₱10,000 |
| ₱6,000 | ₱200.00 | ₱21,000 | ₱24,000 | ₱12,000 |
| ₱7,000 | ₱233.33 | ₱24,500 | ₱28,000 | ₱14,000 |
| ₱8,000 | ₱266.67 | ₱28,000 | ₱32,000 | ₱16,000 |
| ₱9,000 | ₱300.00 | ₱31,500 | ₱36,000 | ₱18,000 |
| ₱10,000 | ₱333.33 | ₱35,000 | ₱40,000 | ₱20,000 |
| ₱11,000 | ₱366.67 | ₱38,500 | ₱44,000 | ₱22,000 |
| ₱12,000 | ₱400.00 | ₱42,000 | ₱48,000 | ₱24,000 |
| ₱13,000 | ₱433.33 | ₱45,500 | ₱52,000 | ₱26,000 |
| ₱14,000 | ₱466.67 | ₱49,000 | ₱56,000 | ₱28,000 |
| ₱15,000 | ₱500.00 | ₱52,500 | ₱60,000 | ₱30,000 |
| ₱16,000 | ₱533.33 | ₱56,000 | ₱64,000 | ₱32,000 |
| ₱17,000 | ₱566.67 | ₱59,500 | ₱68,000 | ₱34,000 |
| ₱18,000 | ₱600.00 | ₱63,000 | ₱72,000 | ₱36,000 |
| ₱19,000 | ₱633.33 | ₱66,500 | ₱76,000 | ₱38,000 |
| ₱20,000 | ₱666.67 | ₱70,000 | ₱80,000 | ₱40,000 |
| ₱21,000 | ₱700.00 | ₱73,500 | ₱84,000 | ₱42,000 |
| ₱22,000 | ₱733.33 | ₱77,000 | ₱88,000 | ₱44,000 |
| ₱23,000 | ₱766.67 | ₱80,500 | ₱92,000 | ₱46,000 |
| ₱24,000 | ₱800.00 | ₱84,000 | ₱96,000 | ₱48,000 |
| ₱25,000 | ₱833.33 | ₱87,500 | ₱100,000 | ₱50,000 |
| ₱26,000 | ₱866.67 | ₱91,000 | ₱104,000 | ₱52,000 |
| ₱27,000 | ₱900.00 | ₱94,500 | ₱108,000 | ₱54,000 |
| ₱28,000 | ₱933.33 | ₱98,000 | ₱112,000 | ₱56,000 |
| ₱29,000 | ₱966.67 | ₱101,500 | ₱116,000 | ₱58,000 |
| ₱30,000 | ₱1,000.00 | ₱105,000 | ₱120,000 | ₱60,000 |
| ₱31,000 | ₱1,033.33 | ₱108,500 | ₱124,000 | ₱62,000 |
| ₱32,000 | ₱1,066.67 | ₱112,000 | ₱128,000 | ₱64,000 |
| ₱33,000 | ₱1,100.00 | ₱115,500 | ₱132,000 | ₱66,000 |
| ₱34,000 | ₱1,133.33 | ₱119,000 | ₱136,000 | ₱68,000 |
| ₱35,000 | ₱1,166.67 | ₱122,500 | ₱140,000 | ₱70,000 |
How the SSS maternity benefit is computed
The exact RA 11210 formula, step by step.
How the SSS maternity benefit is computed
The exact RA 11210 formula, step by step.
Employed members are paid in advance by their employer, who then claims reimbursement from SSS and separately shoulders the salary differential so total take-home equals full pay.
Frequently Asked Questions
How is the SSS maternity benefit computed in 2026?
SSS takes the six highest Monthly Salary Credits (MSC) posted within the 12-month period immediately before the semester of your delivery, divides the total by 180 to get your Average Daily Salary Credit (ADSC), then multiplies that by your number of leave days — 105 days for live childbirth, 120 days if you are a solo parent, or 60 days for miscarriage or emergency termination of pregnancy.
What is the maximum SSS maternity benefit?
The MSC ceiling is ₱35,000, so the highest possible ADSC is ₱35,000 × 6 ÷ 180 = ₱1,166.67. That works out to ₱122,500 for 105 days, ₱140,000 for a solo parent's 120 days, and ₱70,000 for a 60-day miscarriage claim.
How many contributions do I need to qualify?
At least three (3) monthly contributions posted within the 12-month period immediately before the semester of contingency, plus a maternity notification filed with SSS (through My.SSS or your employer). Contributions posted outside that 12-month window still count toward your record but not toward this particular benefit computation.
Do I get full pay or just the SSS benefit?
If you are a private-sector employee, RA 11210 requires your employer to pay the salary differential — the gap between your full pay for the leave period and the SSS maternity benefit — unless the employer is exempt (for example, a distressed establishment, a micro-business under the Barangay Micro Business Enterprises Act, or one already providing a similar or better benefit). Self-employed, voluntary, and OFW members receive the SSS benefit only.
Can I give some of my leave days to the father?
Yes. Under RA 11210 you may allocate up to seven (7) days of your 105-day leave to the child's father, or to an alternate caregiver (a relative within the fourth degree of consanguinity or the mother's current partner) if the father is absent. Those days are deducted from your own leave credit and paid at the same daily rate. Allocation is not allowed for miscarriage claims.
Is the SSS maternity benefit taxable?
No. The SSS maternity benefit itself is exempt from income tax. However, the salary differential paid by your employer is treated as taxable compensation income under BIR rules.
When will I receive the money?
For employed members, the employer advances the full benefit within 30 days from the filing of the maternity leave application, then claims reimbursement from SSS. Self-employed, voluntary, and OFW members are paid directly by SSS into their disbursement account (bank, e-wallet, or UMID-ATM) after the claim is approved.
Know the rest of your government benefits before the baby arrives.