SSS, PhilHealth & Pag-IBIG Contribution for a ₱40,000 Salary (2026)
On a ₱40,000 monthly salary you pay about ₱2,950 a month: SSS ₱1,750, PhilHealth ₱1,000 and Pag-IBIG ₱200. Your employer adds ₱4,730 on top, so ₱7,680 a month goes into your benefits.
Based on the SSS schedule (15% of MSC, ₱5,000 to ₱35,000 in ₱500 steps), PhilHealth 5% and Pag-IBIG 2% + 2%. Educational estimate; confirm with SSS, PhilHealth, Pag-IBIG or your HR.
| Monthly | You pay | Employer pays | Total |
|---|---|---|---|
| SSSMSC ₱35,000 · 15% + EC | ₱1,750 | ₱3,530 | ₱5,280 |
| PhilHealth5% of salary, split 50/50 | ₱1,000 | ₱1,000 | ₱2,000 |
| Pag-IBIG2% + 2% (salary cap ₱10,000) | ₱200 | ₱200 | ₱400 |
| Total | ₱2,950 | ₱4,730 | ₱7,680 |
Your SSS bracket: ₱35,000 MSC
SSS doesn't use your exact salary. It rounds it to a Monthly Salary Credit (MSC). ₱40,000 lands on the ₱35,000 MSC, so the total SSS contribution is ₱5,250 (15%) plus ₱30 Employees' Compensation, paid by your employer. That's ₱5,280 a month, ₱63,360 a year. The part of your MSC above ₱20,000 (here ₱15,000) goes to your WISP account, a personal provident fund on top of the pension, about ₱2,250 a month.
What these contributions build
At an average MSC of about ₱20,000, the SSS formula gives an estimated ₱9,300/month pension after 20 years of contributions and ₱13,300/month after 30 years, paid 13 times a year. PhilHealth covers hospital bills, and Pag-IBIG savings earn yearly dividends and open the Pag-IBIG housing loan.
Estimate your own SSS pension →
Frequently asked questions
How much is the SSS contribution for a ₱40,000 salary in 2026?
A ₱40,000 monthly salary falls under the ₱35,000 Monthly Salary Credit (MSC). The total SSS contribution is 15% of the MSC: you pay ₱1,750 (5%) and your employer pays ₱3,530 (10% plus ₱30 for Employees' Compensation), about ₱5,280 a month in all.
How much is PhilHealth for a ₱40,000 salary?
PhilHealth is 5% of the monthly basic salary (floor ₱10,000, ceiling ₱100,000), split equally: ₱1,000 from you and ₱1,000 from your employer, ₱2,000 a month in total.
How much is Pag-IBIG for a ₱40,000 salary?
Pag-IBIG is 2% from you and 2% from your employer on up to ₱10,000 of salary, so ₱200 each, ₱400 a month. Your total Pag-IBIG savings earn yearly dividends, and you can add voluntary MP2 savings on top.
What is the total monthly deduction for SSS, PhilHealth and Pag-IBIG on ₱40,000?
About ₱2,950 a month comes out of your pay (7.4% of gross), or ₱35,400 a year. Your employer adds ₱4,730 a month on top of your salary, so ₱7,680 a month goes into your benefits in total.
Why is part of my SSS contribution going to WISP?
Contributions on the part of your MSC above ₱20,000 go to your Workers' Investment and Savings Program (WISP) account, an individual provident fund you get on top of the regular pension. At a ₱35,000 MSC that's about ₱2,250 a month (employee + employer), ₱27,000 a year.
What SSS pension does a ₱40,000 salary build?
If your average MSC stays around ₱20,000, the SSS formula gives an estimated ₱9,300 a month after 20 years of contributions and ₱13,300 after 30 years (including the ₱1,000 additional benefit), paid 13 times a year. Use the SSS Pension Calculator for your own age and years.
Contributions for nearby salaries
Related free tools & guides
- Full 2026 contribution table: every SSS bracket.
- How to budget ₱40,000: needs, ipon and wants from your net.
- Take-Home Pay Calculator: any salary, per cutoff.
- SSS Pension Calculator: your pension by age and years.
- MP2 calculator: grow Pag-IBIG savings tax-free.
Educational estimate only. Contribution schedules change; figures follow the SSS schedule (Circular 2024-007), PhilHealth and Pag-IBIG schedules as encoded in our calculator. Self-employed, voluntary and OFW members pay the full SSS rate themselves. Confirm with the agencies or your HR.
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