SSS Maternity Benefit Calculator 2026
The SSS maternity benefit pays your full average daily salary credit for 105 days for a normal or caesarean live birth, with longer leave for solo parents. With a ₱ 20,000 monthly salary, the estimated benefit in 2026 is ₱ 70,000.00.
Tables: 2026
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Result
Maternity benefit (105 days)
₱ 70,000.00
Tables: 2026
| Sum of the 6 highest salary credits | ₱ 120,000.00 |
|---|---|
| Average daily salary credit (ADSC) | ₱ 666.67 |
| Maternity benefit (105 days) | ₱ 70,000.00 |
Notes
- The 12 months end before the semester (two quarters) in which you give birth or miscarry. Enter salaries from that period.
How this was computed
Average daily salary credit (ADSC) = sum of the 6 highest monthly salary credits in the 12 months before the semester of childbirth or miscarriage ÷ 180. Maternity benefit = ADSC × 105 days. Salary credits count up to ₱ 20,000.
Estimate only. Not legal, tax, or financial advice.
Worked example
A salary of ₱ 20,000 a month. Sum of the 6 highest salary credits: ₱ 120,000.00. ADSC: ₱ 666.67. Benefit for 105 days: ₱ 70,000.00.
How it works
The calculator converts each monthly salary into a salary credit, takes the 6 highest in the 12 months before the semester of contingency, divides their sum by 180 to get the average daily salary credit (ADSC) and multiplies it by the number of days for your case. Salary credits count up to ₱ 20,000.
Average daily salary credit (ADSC) = sum of the 6 highest monthly salary credits in the 12 months before the semester of childbirth or miscarriage ÷ 180. Maternity benefit = ADSC × 105 days. Salary credits count up to ₱ 20,000.
Frequently asked questions
How much is the SSS maternity benefit?
Average daily salary credit × days of leave: 105 days for a live birth. With ₱ 20,000 a month, that is about ₱ 70,000.00.
What is the semester of contingency?
The two consecutive quarters ending in the quarter of childbirth or miscarriage. Salary credits are counted from the 12 months before that semester.
How many contributions do I need for the maternity benefit?
You need a minimum number of monthly contributions posted in the 12 months before the semester of contingency. Check your eligibility in the My.SSS portal before you file.
Does my employer pay the maternity benefit?
Employed members usually receive the benefit from the employer, who is reimbursed by SSS. Self-employed, voluntary and OFW members claim it directly from SSS.