SSS Contribution Table for Voluntary and Non-Working Spouses [Updated: 2025]
The Social Security System (SSS) is the Philippines’ state-run program that provides a safety net for its members and their families. Whether you’re a separated member or a non-working spouse, understanding the contribution system is crucial for ensuring your financial security.
This year, the SSS has introduced an updated contribution table for voluntary and non-working spouse members. The minimum compensation range is now set at ₱4,250, with a total contribution of ₱560. On the other hand, the maximum compensation range is ₱29,750, with a total contribution of ₱4,200, including the additional Mandatory Provident Fund of ₱1,400.
In this comprehensive guide, we’ll explore the 2025 SSS Contribution Table for Voluntary and Non-Working Spouses, empowering you to make informed decisions about your contributions and plan for a secure future.
Key Takeaways for SSS Contribution Table for Voluntary and Non-Working Spouses 2025
To summarize the SSS monthly contributions for voluntary members and spouses:
- Voluntary members – contributions based on monthly salary credit from Php 1,000 to Php 30,000
- Non-working spouse – fixed monthly contribution of Php 240 (Php 120 share each for member and spouse)
- SSS updates the contribution table yearly based on inflation and wage trends
- Always check the latest SSS contribution schedule before paying
- Pay contributions on time to avoid penalties and continue SSS coverage
Having the correct information allows you to pay the right SSS contribution amounts. This ensures you meet the monthly payments required to receive benefits like retirement and death benefits in the future.
2025 SSS Voluntary and Non-Working Spouses Table
| Range of Compensation | Monthly Salary Credit | Amount of Contributions | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Regular Social Security | Mandatory Provident Fund | Total | Regular Social Security | Mandatory Provident Fund | Total | ||||||||||
| BELOW 5,250 | 5,000.00 | – | 5,000.00 | 750.00 | – | 750.00 | |||||||||
| 5,250 – 5,749.99 | 5,500.00 | – | 5,500.00 | 825.00 | – | 825.00 | |||||||||
| 5,750 – 6,249.99 | 6,000.00 | – | 6,000.00 | 900.00 | – | 900.00 | |||||||||
| 6,250 – 6,749.99 | 6,500.00 | – | 6,500.00 | 975.00 | – | 975.00 | |||||||||
| 6,750 – 7,249.99 | 7,000.00 | – | 7,000.00 | 1,050.00 | – | 1,050.00 | |||||||||
| 7,250 – 7,749.99 | 7,500.00 | – | 7,500.00 | 1,125.00 | – | 1,125.00 | |||||||||
| 7,750 – 8,249.99 | 8,000.00 | – | 8,000.00 | 1,200.00 | – | 1,200.00 | |||||||||
| 8,250 – 8,749.99 | 8,500.00 | – | 8,500.00 | 1,275.00 | – | 1,275.00 | |||||||||
| 8,750 – 9,249.99 | 9,000.00 | – | 9,000.00 | 1,350.00 | – | 1,350.00 | |||||||||
| 9,250 – 9,749.99 | 9,500.00 | – | 9,500.00 | 1,425.00 | – | 1,425.00 | |||||||||
| 9,750 – 10,249.99 | 10,000.00 | – | 10,000.00 | 1,500.00 | – | 1,500.00 | |||||||||
| 10,250 – 10,749.99 | 10,500.00 | – | 10,500.00 | 1,575.00 | – | 1,575.00 | |||||||||
| 10,750 – 11,249.99 | 11,000.00 | – | 11,000.00 | 1,650.00 | – | 1,650.00 | |||||||||
| 11,250 – 11,749.99 | 11,500.00 | – | 11,500.00 | 1,725.00 | – | 1,725.00 | |||||||||
| 11,750 – 12,249.99 | 12,000.00 | – | 12,000.00 | 1,800.00 | – | 1,800.00 | |||||||||
| 12,250 – 12,749.99 | 12,500.00 | – | 12,500.00 | 1,875.00 | – | 1,875.00 | |||||||||
| 12,750 – 13,249.99 | 13,000.00 | – | 13,000.00 | 1,950.00 | – | 1,950.00 | |||||||||
| 13,250 – 13,749.99 | 13,500.00 | – | 13,500.00 | 2,025.00 | – | 2,025.00 | |||||||||
| 13,750 – 14,249.99 | 14,000.00 | – | 14,000.00 | 2,100.00 | – | 2,100.00 | |||||||||
| 14,250 – 14,749.99 | 14,500.00 | – | 14,500.00 | 2,175.00 | – | 2,175.00 | |||||||||
| 14,750 – 15,249.99 | 15,000.00 | – | 15,000.00 | 2,250.00 | – | 2,250.00 | |||||||||
| 15,250 – 15,749.99 | 15,500.00 | – | 15,500.00 | 2,325.00 | – | 2,325.00 | |||||||||
| 15,750 – 16,249.99 | 16,000.00 | – | 16,000.00 | 2,400.00 | – | 2,400.00 | |||||||||
| 16,250 – 16,749.99 | 16,500.00 | – | 16,500.00 | 2,475.00 | – | 2,475.00 | |||||||||
| 16,750 – 17,249.99 | 17,000.00 | – | 17,000.00 | 2,550.00 | – | 2,550.00 | |||||||||
| 17,250 – 17,749.99 | 17,500.00 | – | 17,500.00 | 2,625.00 | – | 2,625.00 | |||||||||
| 17,750 – 18,249.99 | 18,000.00 | – | 18,000.00 | 2,700.00 | – | 2,700.00 | |||||||||
| 18,250 – 18,749.99 | 18,500.00 | – | 18,500.00 | 2,775.00 | – | 2,775.00 | |||||||||
| 18,750 – 19,249.99 | 19,000.00 | – | 19,000.00 | 2,850.00 | – | 2,850.00 | |||||||||
| 19,250 – 19,749.99 | 19,500.00 | – | 19,500.00 | 2,925.00 | – | 2,925.00 | |||||||||
| 19,750 – 20,249.99 | 20,000.00 | – | 20,000.00 | 3,000.00 | – | 3,000.00 | |||||||||
| 20,250 – 20,749.99 | 20,000.00 | 500.00 | 20,500.00 | 3,000.00 | 75.00 | 3,075.00 | |||||||||
| 20,750 – 21,249.99 | 20,000.00 | 1,000.00 | 21,000.00 | 3,000.00 | 150.00 | 3,150.00 | |||||||||
| 21,250 – 21,749.99 | 20,000.00 | 1,500.00 | 21,500.00 | 3,000.00 | 225.00 | 3,225.00 | |||||||||
| 21,750 – 22,249.99 | 20,000.00 | 2,000.00 | 22,000.00 | 3,000.00 | 300.00 | 3,300.00 | |||||||||
| 22,250 – 22,749.99 | 20,000.00 | 2,500.00 | 22,500.00 | 3,000.00 | 375.00 | 3,375.00 | |||||||||
| 22,750 – 23,249.99 | 20,000.00 | 3,000.00 | 23,000.00 | 3,000.00 | 450.00 | 3,450.00 | |||||||||
| 23,250 – 23,749.99 | 20,000.00 | 3,500.00 | 23,500.00 | 3,000.00 | 525.00 | 3,525.00 | |||||||||
| 23,750 – 24,249.99 | 20,000.00 | 4,000.00 | 24,000.00 | 3,000.00 | 600.00 | 3,600.00 | |||||||||
| 24,250 – 24,749.99 | 20,000.00 | 4,500.00 | 24,500.00 | 3,000.00 | 675.00 | 3,675.00 | |||||||||
| 24,750 – 25,249.99 | 20,000.00 | 5,000.00 | 25,000.00 | 3,000.00 | 750.00 | 3,750.00 | |||||||||
| 25,250 – 25,749.99 | 20,000.00 | 5,500.00 | 25,500.00 | 3,000.00 | 825.00 | 3,825.00 | |||||||||
| 25,750 – 26,249.99 | 20,000.00 | 6,000.00 | 26,000.00 | 3,000.00 | 900.00 | 3,900.00 | |||||||||
| 26,250 – 26,749.99 | 20,000.00 | 6,500.00 | 26,500.00 | 3,000.00 | 975.00 | 3,975.00 | |||||||||
| 26,750 – 27,249.99 | 20,000.00 | 7,000.00 | 27,000.00 | 3,000.00 | 1,050.00 | 4,050.00 | |||||||||
| 27,250 – 27,749.99 | 20,000.00 | 7,500.00 | 27,500.00 | 3,000.00 | 1,125.00 | 4,125.00 | |||||||||
| 27,750 – 28,249.99 | 20,000.00 | 8,000.00 | 28,000.00 | 3,000.00 | 1,200.00 | 4,200.00 | |||||||||
| 28,250 – 28,749.99 | 20,000.00 | 8,500.00 | 28,500.00 | 3,000.00 | 1,275.00 | 4,275.00 | |||||||||
| 28,750 – 29,249.99 | 20,000.00 | 9,000.00 | 29,000.00 | 3,000.00 | 1,350.00 | 4,350.00 | |||||||||
| 29,250 – 29,749.99 | 20,000.00 | 9,500.00 | 29,500.00 | 3,000.00 | 1,425.00 | 4,425.00 | |||||||||
| 29,750 – 30,249.99 | 20,000.00 | 10,000.00 | 30,000.00 | 3,000.00 | 1,500.00 | 4,500.00 | |||||||||
| 30,250 – 30,749.99 | 20,000.00 | 10,500.00 | 30,500.00 | 3,000.00 | 1,575.00 | 4,575.00 | |||||||||
| 30,750 – 31,249.99 | 20,000.00 | 11,000.00 | 31,000.00 | 3,000.00 | 1,650.00 | 4,650.00 | |||||||||
| 31,250 – 31,749.99 | 20,000.00 | 11,500.00 | 31,500.00 | 3,000.00 | 1,725.00 | 4,725.00 | |||||||||
| 31,750 – 32,249.99 | 20,000.00 | 12,000.00 | 32,000.00 | 3,000.00 | 1,800.00 | 4,800.00 | |||||||||
| 32,250 – 32,749.99 | 20,000.00 | 12,500.00 | 32,500.00 | 3,000.00 | 1,875.00 | 4,875.00 | |||||||||
| 32,750 – 33,249.99 | 20,000.00 | 13,000.00 | 33,000.00 | 3,000.00 | 1,950.00 | 4,950.00 | |||||||||
| 33,250 – 33,749.99 | 20,000.00 | 13,500.00 | 33,500.00 | 3,000.00 | 2,025.00 | 5,025.00 | |||||||||
| 33,750 – 34,249.99 | 20,000.00 | 14,000.00 | 34,000.00 | 3,000.00 | 2,100.00 | 5,100.00 | |||||||||
| 34,250 – 34,749.99 | 20,000.00 | 14,500.00 | 34,500.00 | 3,000.00 | 2,175.00 | 5,175.00 | |||||||||
| 34,750 – Over | 20,000.00 | 15,000.00 | 35,000.00 | 3,000.00 | 2,250.00 | 5,250.00 | |||||||||
Let’s break down what this SSS contribution table for Voluntary and Non-Working Spouses means:
- Contribution amounts are based on your monthly salary credit – this is the compensation base to compute your contributions
- Salary credit ranges from Php 1,000 to Php 20,000 per month
- Higher salary credit will result in higher contribution amounts
- But note the maximum contribution is Php 4,200 based on the Php 30,000 monthly salary credit cap
For example:
- If your monthly salary credit is Php 15,000 – your monthly SSS contribution is Php 1,500
- If your monthly salary credit is Php 8,000 – your SSS contribution is Php 800
- Even if your actual income is Php 40,000/month, the maximum SSS contribution is capped at Php 4,200 monthly
Adjust your salary credit appropriately based on your average monthly income. The SSS reviews and updates the contribution schedule and salary credit brackets yearly based on inflation and wage trends.
The monthly SSS contribution of non-working spouses is fixed and not based on income. The contribution amount for 2025 is Php 240 per month – Php 120 is your share, and Php 120 is the share of your employed spouse.
This applies for up to 60 months or 5 years of contribution as a non-working spouse. After this, you’ll need to shift to making contributions as a voluntary member based on your own income or salary credit.
Some things to note:
- You need to be legally married and submit your marriage contract when registering as a non-working spouse with SSS
- Your employed spouse should have at least 36 monthly SSS contributions to qualify you as a dependent
- You cannot receive SSS sickness, maternity, or salary loan benefits as a non-working spouse
- After 5 years of contributing as a non-working spouse, shift to making voluntary contributions if you don’t have employment
Who Qualifies as a Voluntary SSS Contributor?
Individuals without any prior history of contributions or coverage under the Social Security System (SSS) cannot simply start making voluntary payments solely to obtain an SSS ID card or qualify for benefits. Such contributions will be considered invalid and promptly refunded. Voluntary membership is exclusively for those who were previously employed, self-employed, or worked as overseas Filipino workers (OFWs).
In the event of job separation, cessation of self-employment, or the termination of an OFW or non-working spouse status, members can continue contributing to the SSS using their previously assigned SSS number. This can be done through the Contributions Payment Return (SS Form RS-5), where they must indicate their status as a “Voluntary (Separated) Member” by checking the appropriate box. Once this payment is processed, their membership status will be updated from a covered employee, self-employed individual, OFW, or non-working spouse to a voluntary paying member.
How to Compute Voluntary and Non-Working Spouses’ SSS Contributions
Ensuring consistent contributions to the Social Security System (SSS) is crucial for securing future financial benefits. For voluntary and non-working spouse members, the contribution process follows specific guidelines.
Voluntary Members
Voluntary members are required to determine their Monthly Salary Credit (MSC), which is based on their average monthly income. The MSC range for voluntary members in 2025 is PHP 1,000 to PHP 30,000. The contribution amount is calculated by applying a 14% rate to the MSC. For example, if a voluntary member’s MSC is PHP 20,000, their monthly contribution would be PHP 2,800 (PHP 20,000 x 14%).
It is important to note that the maximum contribution for voluntary members is capped at PHP 4,200, corresponding to the maximum MSC of PHP 30,000.
Example: Juan is a self-employed graphic designer with an average monthly income of PHP 25,000. As a voluntary member, his MSC would be PHP 25,000. His monthly SSS contribution would be PHP 3,500 (PHP 25,000 x 14%).
Non-Working Spouse Members
For non-working spouse members, the contribution amount is fixed and not dependent on income. As of 2025, the fixed monthly contribution for non-working spouses is PHP 240, which is equally shared between the non-working spouse and their employed spouse (PHP 120 each).
However, non-working spouses can contribute under this category for a maximum period of 60 months or 5 years. After this period, they must transition to voluntary contributions based on their own income or MSC.
Example: Maria is a non-working spouse of an SSS member. Her monthly contribution would be PHP 120, while her employed spouse would also contribute PHP 120, totaling PHP 240 per month.
By adhering to these guidelines, voluntary and non-working spouse members can fulfill their SSS contribution obligations and secure their eligibility for various benefits provided by the program, such as sickness, maternity, disability, retirement, and death benefits.
Consistent and timely contributions not only ensure access to these benefits but also contribute to the long-term financial security of members and their families.
Related Posts
- SSS Contribution Table for OFW
- SSS Contribution Table for Self-Employed
- SSS Contribution Table for Household Employers and Kasambahays
- New SSS Contribution Table
- How much is the pension of surviving spouse in the Philippines?
- Importance of Claiming SSS Pension Online for Voluntary and Retirees
Why You Need to Know the SSS Contribution Table for Voluntary and Non-Working Spouses?
The SSS is a mandatory social insurance program in the Philippines that provides benefits like retirement pay, disability pensions, and survivorship pensions.
While regular SSS contributions are deducted from employees’ salaries, voluntary members and non-working spouses need to actively register and make monthly contributions to the SSS fund.
These SSS members need to know the current contribution amounts they need to pay to avail of coverage and future benefits.
The SSS periodically updates the contribution table and thresholds based on inflation and fund performance.
This article provides the latest SSS monthly contribution schedule for voluntary members and spouses so you know exactly how much to pay in 2025.
Who Needs to Pay Voluntary SSS Contributions?
Certain individuals need to register as voluntary SSS members and pay monthly contributions to receive coverage:
- Self-employed individuals, including farmers, fisherfolks, businessmen, entrepreneurs, professionals, commission agents, etc.
- Non-working spouses of SSS members – you can register as a dependent under your spouse
- Filipinos working abroad – at least 9 months of contributions in the last 12-month period
- OFWs on vacation – to continue SSS coverage
- Separated or resigned employees – to continue receiving benefits
- Students, out-of-school youth, etc. – to start SSS membership
Voluntary membership allows you to receive SSS benefits like retirement pensions, death benefits, and loans. But you need to actively register and pay monthly contributions.
SSS Benefits for Voluntary Members
As voluntary members of the Social Security System (SSS), individuals are entitled to various benefits that provide financial protection and security. Here are the key benefits that voluntary members can avail of:
- Sickness Benefit – Voluntary members who are unable to work due to illness or injury can claim daily cash allowances for a maximum of 120 days in a calendar year. This benefit helps cover lost income during periods of temporary disability.
- Maternity Benefit – Female voluntary members can receive a daily cash allowance to help with the expenses associated with childbirth or miscarriage. This benefit is available for a maximum of 105 days.
- Disability Benefit – In the event of permanent total disability, voluntary members can receive a monthly cash benefit to help support themselves and their families. The amount of the benefit is based on the member’s monthly salary credit and the number of credited years of service.
- Retirement Benefit – Voluntary members who have paid at least 120 monthly contributions and have reached the retirement age of 60 (optional retirement) or 65 (mandatory retirement) are eligible for a monthly pension. The amount of the pension is determined by the member’s monthly salary credit, credited years of service, and the chosen retirement option.
- Death Benefit – In the unfortunate event of a voluntary member’s death, their beneficiaries can claim a lump-sum benefit to help cover funeral expenses and provide financial support. The amount of the benefit is based on the member’s monthly salary credit and credited years of service.
- Loan Privileges – Voluntary members can avail themselves of various loan programs offered by the SSS, such as salary loans, housing loans, and calamity loans, subject to eligibility requirements and loan policies.
- Funeral benefit – Php 20,000 financial assistance is provided upon the death of the member to help cover funeral expenses.
- Salary loan – Voluntary members can borrow up to one month’s salary credit from the SSS, which can be repaid through salary deductions or other approved modes of payment.
- Calamity loan – In the event of a natural disaster, such as a typhoon, earthquake, or flood, voluntary members can apply for a calamity loan to help them recover and rebuild their homes or businesses.
- Pension loan – Voluntary members who are already receiving a monthly pension can apply for a pension loan, which allows them to receive an advance payment of their future pension benefits in a lump sum.
To ensure uninterrupted access to these benefits, voluntary members must consistently pay their monthly contributions based on their chosen monthly salary credit. Regular contributions not only secure their eligibility for benefits but also contribute to their long-term financial security.
It is essential for voluntary members to familiarize themselves with the specific requirements, guidelines, and procedures for claiming these benefits to ensure a smooth and hassle-free process.
How to Pay SSS Monthly Contributions as a Voluntary and Non-Working Spouse?
Voluntary and non-working spouse members have several options to pay their monthly SSS contributions conveniently.
1. Over-the-Counter Payments Members can pay their contributions over the counter at any SSS branch, accredited banks, or authorized partner establishments nationwide. This method requires presenting a valid ID and filling out a payment form.
2. PESONet Bank Transfer For members with online banking facilities, they can conveniently transfer their SSS contributions through PESONet, a electronic fund transfer service. Members need to enroll their SSS account with their bank and initiate the payment through their bank’s online or mobile banking platform.
3. SSS Mobile App The SSS Mobile App allows members to pay their contributions using various digital payment channels, including credit/debit cards, e-wallets, and mobile money services. This option is particularly convenient for members who prefer cashless transactions.
4. Salary Deduction (for Employed Members) Employed members can opt for automatic salary deduction, where their SSS contributions are deducted directly from their monthly salary by their employer. This method ensures timely and consistent payments.
5. PESONet Auto-Debit Arrangement (ADA) Voluntary and non-working spouse members can set up an Auto-Debit Arrangement (ADA) through PESONet, allowing their SSS contributions to be automatically deducted from their enrolled bank account on a specified date each month.
It’s important to note that non-working spouses can contribute for a maximum of 60 months or 5 years under their spouse’s membership. After this period, they must transition to voluntary membership and pay contributions based on their own income or chosen monthly salary credit.
By taking advantage of these convenient payment options, voluntary and non-working spouse members can ensure timely and hassle-free SSS contribution payments, securing their eligibility for various benefits and safeguarding their financial future.
Arthur Bain has over 15 years of experience in the SSS Pension field, and has been providing SSS Pension advice and consultation to individuals and businesses since 2008. He is an expert in the field, and strive to help users make the most of their retirement funds so that they can enjoy a comfortable and secure retirement.
