What this planner shows

Enter your expected due date and the tool works backwards through the SSS rules to show the exact months whose contributions count toward your maternity benefit. Each month is pre-filled with the payment that reaches the maximum benefit, but you can edit any month to model your real plan — partial payments, skipped months, or different amounts. The readout updates your daily allowance (ADSC), compensable days, and projected total from the six highest months you enter.

How SSS computes the maternity benefit

Semester of contingency — the two consecutive quarters (Jan–Mar, Apr–Jun, Jul–Sep, Oct–Dec) ending in the quarter of your delivery month. A May due date gives a January–June semester.
12-month qualifying period — the 12 months right before that semester. Those are the months that count, and the ones this tool lists.
Six highest ÷ 180 — SSS adds your six highest Monthly Salary Credits (MSC) in that window and divides by 180 to get the Average Daily Salary Credit (ADSC).
Compensable days — 105 for live childbirth (normal or cesarean), 60 for miscarriage or emergency termination, plus 15 more for a qualified solo parent.

How to max out your benefit

Post contributions at the ₱20,000 MSC in at least six of the qualifying months. For a voluntary, self-employed, or OFW member that is about ₱3,000 per month at the 2025 rate; employed members already have it deducted from salary. Paying above the ₱20,000 MSC (up to the ₱35,000 ceiling) only adds to your WISP/pension savings — it does not increase the maternity payout, which is why the plan targets ₱20,000.

Frequently asked questions

Is a cesarean delivery paid the same as a normal one?

Yes. Under the 105-Day Expanded Maternity Leave Law (RA 11210), live childbirth is 105 days whether the delivery is normal or cesarean.

How many contributions do I need to qualify?

At least three monthly contributions within the 12-month period before the semester of contingency. To reach the maximum benefit, though, you want six months posted at the ₱20,000 MSC.

Why does the ₱20,000 cap matter if the SSS ceiling is ₱35,000?

The salary-related benefit is commonly computed on a ₱20,000 MSC cap. The ₱20,000–₱35,000 band funds the WISP/Mandatory Provident Fund, which boosts your pension savings but not the maternity cash benefit.

Can I model paying only some months?

Yes. Edit each month's contribution — set it to 0 for months you won't pay. The tool takes the six highest paid months, divides by 180, and flags if you drop below the three contributions needed to qualify.

Why is the result showing a dash?

No valid due date is entered yet. Pick your expected delivery date and the qualifying months and benefit appear.

Is my information uploaded?

No. The calculation runs entirely in your browser. Nothing you enter is stored or sent to a server.