Check Your SSS Contributions and Salary Credits Online

Checking your SSS contributions and Monthly Salary Credits (MSC) regularly is one of the most important things you can do as an SSS member.

Your contribution record affects your eligibility for SSS benefits, including your retirement pension. If you are planning for retirement, you should not simply assume that every contribution deducted from your salary has been correctly posted to your SSS account.

The easiest ways to check your contribution history in 2026 are through the official My.SSS Member Portal or the MySSS mobile app.

Once you know your contribution history, you can also use our SSS Pension Calculator to estimate your potential retirement benefit.

How to Check Your SSS Contributions Online

There are two convenient official methods:

1. My.SSS Member Portal
2. MySSS Mobile App

Both methods allow you to review your SSS membership and contribution information without visiting an SSS branch.

If you cannot access your account or believe your contribution record contains an error, you can contact SSS or visit an official branch for assistance.

Method 1: Check SSS Contributions Through My.SSS

The My.SSS Member Portal is the main online self-service facility for SSS members.

Step 1: Go to the Official SSS Website

Open the official Social Security System website:

From there, access the My.SSS Member Portal.

For security, avoid logging in through links sent by unknown people, unofficial Facebook pages, text messages or websites claiming to be SSS.

Step 2: Log In to Your My.SSS Account

Enter your registered:

• User ID; and
• Password.

Complete any security verification requested by SSS.

If you have forgotten your credentials, use the official account-recovery options provided by My.SSS instead of creating another SSS membership record.

Step 3: Open Your Contribution Records

Once you are logged in, look for the section showing your:

Contributions

or

Monthly Contributions

The exact menu wording or position may change as SSS updates the My.SSS interface.

Open the contribution record to view the months and amounts posted under your membership.

Step 4: Review Your Monthly Contributions

Check your contribution history month by month.

Pay attention to:

• contribution month;
• amount posted;
• contribution gaps;
• membership type;
• salary credit or applicable MSC information; and
• whether recent expected payments appear in your record.

Do not only check the total amount.

For retirement planning, the number and timing of monthly contributions can be just as important as the peso amount.

Method 2: Check Contributions Using the MySSS Mobile App

SSS also provides the official MySSS mobile app.

The current app allows members to view information including:

• membership details;
• monthly contributions;
• retirement and disability claim information;
• UMID/SS ID details;
• Payment Reference Numbers; and
• other SSS services.

How to Check Using the App

1. Install the official MySSS app from your device’s official app store.
2. Open the app.
3. Log in using your My.SSS credentials.
4. Open the section for your contributions or monthly contributions.
5. Review the posted contribution history.

The interface may change when SSS releases app updates, so menu names may not always appear exactly the same.

SSS currently requires at least:

• Android 9 or later; or
• iOS 14 or later

for the latest MySSS mobile application.

What Information Should You Check?

When you open your contribution record, do not simply confirm that “something was paid.”

Look at the details carefully.

Contribution Month

This tells you which month the payment was credited to.

For example:

January 2026
February 2026
March 2026

A payment may have been made recently but credited to a specific contribution period.

Contribution Amount

This is the amount credited under the applicable SSS contribution rules.

The amount depends on factors including your:

• membership type;
• compensation or declared income;
• Monthly Salary Credit; and
• applicable contribution schedule.

Contribution Gaps

A gap is a month in which no contribution appears.

For example:

January — Posted
February — Posted
March — No contribution
April — Posted

March is a contribution gap.

One gap does not automatically destroy your SSS membership, but numerous gaps can affect benefit eligibility and the time required to complete contribution requirements.

This is particularly important for Voluntary Members because old missed voluntary months generally cannot simply be back-paid later.

Read our SSS pension requirements for Voluntary Members if you are currently paying SSS voluntarily.

What Is Monthly Salary Credit or MSC?

The Monthly Salary Credit (MSC) is the compensation base used by SSS for contributions and benefits.

Your MSC is not necessarily identical to:

• the exact salary deposited into your bank;
• your take-home pay; or
• the amount deducted from your salary for SSS.

These are different things.

For an employed member, SSS determines the applicable MSC based on compensation under the current SSS contribution schedule.

Example

Suppose an employee earns:

₱18,000 per month

The applicable contribution is determined using the relevant Monthly Salary Credit and current SSS contribution table.

Your MSC is the contribution and benefit base, while your actual SSS deduction is based on the applicable contribution rate and sharing arrangement.

Current SSS Contribution Rate in 2026

The current regular SSS contribution rate is:

15% of the applicable Monthly Salary Credit

effective since January 1, 2025.

For employed members, the regular Social Security contribution is currently shared as:

Employer: 10%

Employee: 5%

The employer also pays the applicable Employees’ Compensation contribution separately.

The current maximum MSC for contribution purposes is:

₱35,000

SSS currently states that contributions corresponding to MSC above ₱20,000 up to ₱35,000 are credited to the member’s individual account under the Mandatory Provident Fund program, now called the Mandatory MySSS Pension Booster.

If your MSC exceeds ₱20,000, read our guide to the Mandatory MySSS Pension Booster, formerly WISP.

Salary vs MSC vs SSS Contribution: What Is the Difference?

These terms are often confused.

For an employed member, your employer deducts your required employee share from your wages and remits it to SSS together with the employer share and applicable Employees’ Compensation contribution.

This is why checking your actual SSS record is important.

A deduction appearing on your payslip does not by itself prove that the contribution has already been correctly posted to your SSS membership record.

Why Should You Check Your Contributions Regularly?

Your contribution history affects several SSS benefits.

For retirement, one particularly important requirement is:

At least 120 monthly contributions prior to the semester of retirement

for a regular monthly pension.

You can read the complete explanation in our guide on how many SSS contributions are needed to receive a pension.

Checking your record early allows you to identify problems while you still have time to address them.

For example, imagine you believe you have:

122 contributions

but My.SSS shows only:

116 posted contributions

If you discover that only when filing for retirement, the missing months could become a serious issue.

If you discover it years earlier, you have much more time to investigate.

How Often Should You Check Your SSS Contributions?

You do not necessarily need to check every day.

A practical approach is to review your record:

• periodically throughout the year;
• after changing employers;
• after changing membership type;
• after several voluntary or self-employed payments;
• before applying for an SSS loan or benefit; and
• more frequently as you approach retirement.

For an employed member, remember that the most recent month’s contribution may not appear immediately because employers follow applicable reporting and remittance schedules.

Look for a consistent pattern of missing contributions, rather than assuming there is a problem simply because the newest month has not yet appeared.

What If My Employer Deducted SSS but the Contribution Is Missing?

This deserves attention.

SSS requires employers to:

• deduct the employee’s contribution share;
• pay the employer share;
• remit the contributions to SSS; and
• maintain accurate employee and payroll records.

If your payslip shows an SSS deduction but the corresponding contribution remains missing from your SSS record after the applicable remittance period, take these steps.

Step 1: Check Several Months

Determine whether the problem affects:

• one recent month; or
• several older months.

A single recent month may simply not have been posted yet.

Several missing older months require more investigation.

Step 2: Check Your Payslips and Employment Records

Keep copies of documents showing:

• your employer;
• employment dates;
• SSS deductions; and
• relevant payroll periods.

Do not send these documents to unofficial websites.

Step 3: Contact Your Employer or HR/Payroll Department

Ask them to verify whether the contributions were correctly reported and remitted.

Provide the contribution periods that appear to be missing.

Step 4: Check My.SSS Again

If your employer says the contributions were remitted, check whether the record updates after the appropriate processing period.

Step 5: Contact SSS if the Problem Remains

If older contributions remain missing despite deductions from your salary, contact SSS directly.

Current SSS contact options include:

Hotline: 1455

or the official contact facilities listed on SSS.gov.ph.

You may also visit an SSS branch if necessary.

SSS states that an employer’s failure to report or remit required employee contributions violates the Social Security law.

What If My Contribution Amount Is Wrong?

A contribution may be posted but appear lower or different from what you expected.

Possible reasons include:

• incorrect salary reporting;
• wrong MSC;
• incorrect membership classification;
• employer reporting error;
• payment made for a different contribution period; or
• misunderstanding the current contribution table.

First compare the posted information against:

• your salary/payroll record;
• the applicable SSS contribution table; and
• your membership type.

If you cannot explain the difference, ask your employer or SSS to verify the record.

What If I Am a Voluntary Member and a Month Is Missing?

Voluntary Members need to be particularly careful.

SSS states that when a Voluntary Member fails to pay a contribution within the allowable period, the unpaid month generally becomes a gap.

You normally cannot go back years later and pay those old missed Voluntary Member contributions just to complete your record.

For example:

January — paid
February — paid
March — missed
April — missed
May — paid

The missed periods generally remain gaps after the allowable payment period has passed.

If you are approaching the 120-contribution retirement requirement, regularly checking your record becomes especially important.

Our Voluntary Member pension guide explains this in more detail.

What Is AMSC and How Is It Different From MSC?

Another term you will encounter when calculating an SSS pension is:

AMSC — Average Monthly Salary Credit

MSC and AMSC are different.

MSC refers to a Monthly Salary Credit for a particular contribution period.

AMSC is an average calculated from qualifying Monthly Salary Credits and is used in SSS benefit computations.

For the regular SSS retirement pension, the AMSC and Credited Years of Service (CYS) are important factors in the pension formulas.

This is why your contribution history matters for more than simply reaching 120 months.

SSS currently calculates the regular monthly retirement pension using the highest applicable result of its statutory formulas.

Those formulas include:

₱300 + 20% of AMSC + 2% of AMSC for each CYS over 10

or

40% of AMSC

or

the applicable minimum pension.

You do not need to calculate everything manually. After checking your official contribution history, use our SSS Pension Calculator for an estimate.

Once you have your Monthly Salary Credits, use our SSS AMSC Calculator to estimate your Average Monthly Salary Credit.

Does a Higher Contribution Automatically Mean a Much Higher Pension?

Not necessarily.

Increasing your contribution can affect your salary-credit history, but the regular SSS pension depends on more than your most recent payment.

Factors can include:

• Average Monthly Salary Credit;
• Credited Years of Service;
• contribution history;
• applicable retirement rules; and
• the SSS pension formulas.

In addition, under the current contribution structure, the portion associated with MSC above ₱20,000 goes to the Mandatory MySSS Pension Booster rather than simply increasing the regular Social Security pension base without limit.

So you should not assume:

“If I pay the maximum contribution for a few months, I will automatically receive the maximum pension.”

Your complete SSS record matters.

How Do Contributions Above ₱20,000 MSC Appear?

Under the current contribution system, MSC can reach:

₱35,000

However, SSS separates the contribution structure.

The portion corresponding to MSC above:

₱20,000

up to:

₱35,000

is credited to the member’s Mandatory Provident Fund account, now called the Mandatory MySSS Pension Booster.

This account builds an accumulated value based on:

contributions + net investment income

and is separate from the regular statutory pension computation.

Therefore, if your SSS record includes Pension Booster or former WISP entries, that does not mean there is an error.

It may be part of your current contribution allocation.

Can I Use My Contribution Record to Estimate My Pension?

Yes, your contribution history is one of the most useful starting points for retirement planning.

Before estimating your pension, check:

1. Total number of posted contributions
2. Recent Monthly Salary Credits
3. Contribution gaps
4. Membership history
5. Credited years
6. Any Mandatory Pension Booster contributions

If you have at least 120 qualifying contributions and are approaching retirement, the next step is to estimate the potential benefit using your contribution history.

Try our SSS Pension Calculator.

Remember that an independent calculator provides an estimate only. Your official retirement pension is determined by SSS from its own records.

Contribution Checklist Before Retirement

If retirement is approaching, review the following.

Check Your Total Posted Contributions

You generally need at least:

120 monthly contributions prior to the semester of retirement

for a regular monthly pension.

Check for Missing Months

Do not assume 10 calendar years of membership automatically equals 120 posted contributions.

Review Your Salary Credits

Your salary-credit history affects pension computation.

Check Membership Changes

Make sure periods as:

• employee;
• self-employed member;
• OFW; or
• Voluntary Member

are reflected properly.

Review Pension Booster Records

If your MSC exceeded ₱20,000, check applicable Mandatory Pension Booster contributions.

Fix Problems Before Filing

Do not wait until the week you intend to retire to investigate missing contributions.

Protect Your My.SSS Account

Your SSS account contains sensitive personal and financial information.

Follow basic security precautions:

• Log in only through official SSS channels.
• Do not share your My.SSS password.
• Never give anyone your one-time password or verification code.
• Do not publish screenshots showing your full SS Number.
• Do not upload contribution records to random “SSS checking” websites.
• Avoid links received from unknown text messages or social-media accounts.
• Log out when using a shared computer or device.

SSSPensionCalculator.ph cannot access your personal SSS account or retrieve your contribution record.

Frequently Asked Questions

Can I check my SSS contributions online?

Yes. You can view your contribution information through the official My.SSS Member Portal or MySSS mobile app.

How can I check SSS contributions using my phone?

Install the official MySSS app, log in using your My.SSS account, and open the contribution or monthly-contribution section.

Can I see all of my previous SSS contributions?

Your My.SSS contribution record allows you to review posted monthly contributions. Check the available periods in your account.

Why is my latest SSS contribution not showing?

For employed members, recent contributions may not appear immediately because employers follow applicable reporting and remittance schedules. If older months remain missing, investigate with your employer and SSS.

What should I do if my employer deducted SSS but did not remit it?

Keep your payslips or employment records, contact your employer or HR/payroll department first, and contact SSS if the missing contributions remain unresolved.

Can my employer legally deduct SSS and not remit it?

No. Employers have a legal responsibility to deduct the employee share and remit the required contributions together with the employer share. SSS identifies failure to report or remit required contributions as a violation of Social Security law.

What is MSC in SSS?

MSC means Monthly Salary Credit. It is the compensation base used for determining SSS contributions and benefits.

Is my Monthly Salary Credit the same as my salary?

Not necessarily. Your actual compensation and applicable MSC are related, but they are not always identical.

What is AMSC?

AMSC means Average Monthly Salary Credit. It is used in SSS benefit calculations, including retirement-pension formulas.

How many contributions are required for an SSS pension?

A member generally needs at least 120 monthly contributions prior to the semester of retirement to qualify for a regular monthly pension.

Read our complete 120 SSS contributions guide for examples and exceptions.

Can I pay missed SSS contributions?

The answer depends on membership type and applicable payment periods. In particular, Voluntary Member months that become gaps generally cannot simply be paid retroactively later.

What is the current SSS contribution rate?

The current regular Social Security contribution rate is 15% of MSC, effective since January 1, 2025.

What is the current maximum MSC?

The current maximum MSC for contribution purposes is ₱35,000.

Why does my record show Pension Booster or WISP?

Contributions associated with MSC above ₱20,000 up to ₱35,000 are currently credited to the Mandatory MySSS Pension Booster, formerly known as WISP.

Can I calculate my pension from my contribution record?

Your contribution history provides much of the information needed for an estimate. Once you review your records, use our SSS Pension Calculator to estimate your retirement benefit.

Bottom Line

Checking your SSS contribution history should be part of your regular financial planning.

Use:

My.SSS Member Portal

or

MySSS Mobile App

to review your official contribution record.

Pay particular attention to:

• missing months;
• contribution amounts;
• Monthly Salary Credits;
• membership changes;
• your total contribution history; and
• Mandatory Pension Booster contributions where applicable.

For retirement, remember the most important initial benchmark:

At least 120 monthly contributions prior to the semester of retirement are generally required for a monthly pension.

After confirming your contributions, use the SSS Pension Calculator to estimate your potential retirement benefit.

Information Accuracy and Official Sources

Last manually reviewed against official SSS sources: September 10, 2026.

This guide was reviewed against current information published by the Philippine Social Security System, including:

• SSS MySSS Mobile App information
• SSS Contribution and Payment guidance
• SSS Retirement Benefit rules
• SSS Voluntary Member guidance
• current SSS employer contribution and remittance requirements

SSS online interfaces, contribution schedules and procedures may change. When official SSS information differs from this guide, follow the latest instructions provided directly by the Social Security System.

SSSPensionCalculator.ph is an independent informational website and is not affiliated with or operated by the Philippine Social Security System.