SSS Salary Loan Calculator
See how much you can borrow, the cash you'll actually receive after the service fee, and your monthly payment.
Estimate your SSS salary loan
| Loanable amount | |
|---|---|
| − 1% service fee | |
| Net proceeds | |
| Monthly payment (24 months) | |
| Total interest |
Estimate based on SSS rules: loanable = your average of the latest 12 MSCs (×2 for a two-month loan), a 1% service fee deducted upfront, 10% per annum interest on a diminishing balance, payable over 24 months. The maximum is ₱70,000. Your actual MSC average and eligibility are per your SSS records.
How the SSS salary loan works
- Loanable amount: the average of your latest 12 Monthly Salary Credits (×2 for a two-month loan), up to a maximum of ₱70,000.
- Service fee: 1% is deducted upfront, so your net proceeds are slightly less than the loanable amount.
- Interest: 10% per annum on a diminishing balance.
- Term: 24 equal monthly installments (2 years).
Eligibility
- One-month loan: 36 posted monthly contributions, 6 within the last 12 months.
- Two-month loan: 72 posted monthly contributions, 6 within the last 12 months.
Not sure of your MSC? Check the SSS contribution table or your SSS contribution. Comparing with other options? See the best personal loans.
Last updated: 2026-06-28. Based on SSS salary-loan rules (RA 11199). Your exact loanable amount and eligibility depend on your posted SSS contributions. Not financial advice — confirm with SSS.