22/10/2025
๐๐๐ก๐๐ ๐๐ข ๐ก๐๐ง๐จ๐๐ข๐ฌ ๐ฌ๐จ๐ก๐ ๐ฆ๐ฆ๐ฆ ๐๐ข๐ก๐ง๐ฅ๐๐๐จ๐ง๐๐ข๐ก ๐๐ข....
When I left my corporate job years ago, one of the first things I promised myself was:
โOkay lang. Iโll continue paying my SSS on my own.โ
Pero ayunโฆ months passed, then years.
Guess what I didnโt do? ๐
Yup. Pay my SSS.
โKasi akala ko okay lang.โ
When youโre an employee, automatic lahat... your HR does the remittance, your payslip shows the deduction, and you never really think about it.
Pero nung naging self-employed ako, biglang naging optional sa isip ko yung SSS.
I told myself, โBabalikan ko โyan pag okay na cashflow.โ Pero ang totoo? I just didnโt prioritize it.
Until one day, reality hit.
I logged in account sa SSS Portal... out of curiosity.
Last contribution? 3 years ago.
Status: Inactive.
Loan: Past due.
Penalties: โฑx,###.xx ๐ญ
Then I realizedโฆ I lost my continuity... meaning, the years I stopped paying wonโt count sa total years required for pension.
Ngayon na inayos ko na ulit at inaaral ko nang mabuti, medyo nakakagulat lang...
So eto ng nga, from employee to self-employed
_______________
๐๐ป๐ผ ๐ป๐ฎ ๐ฎ๐ป๐ด ๐ฏ๐ฎ๐ด๐ผ ๐๐ฎ ๐ฆ๐ฆ๐ฆ (๐ฒ๐ณ๐ณ๐ฒ๐ฐ๐๐ถ๐๐ฒ ๐ฎ๐ฌ๐ฎ๐ฑ)
Ang contribution rate ay 15%.
Pinakamababang basehan ng hulog (Minimum Salary Credit) ay โฑ5,000.
Pinakamataas naman (Maximum Salary Credit) ay โฑ35,000.
Kapag self-employed ka, ikaw lahat ang magbabayad ng 15%.
Kaya kung gusto mong maghulog sa pinakamataas:
โฑ35,000 ร 15% = โฑ5,250, dagdagan mo lang ng โฑ30 (para sa EC)
โฑ5,280/month ang total hulog mo.
_______________
My SSS Journey:
๐ฉโ๐ผ Age 22โ29 โ Employed, salary โฑ20,000
๐ซ Age 30โ32 โ Walang hulog (nakalimutan ko na)
๐ช Age 33โ60 โ Self-employed, maghuhulog ng โฑ5,280/month
So total 34 years akong maghuhulog if I want โฑ5,280/month contribution sa SSS.
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Formula:
โฑ300 + (20% ร AMSC) + (2% ร AMSC ร (CYS โ 10))
Important: For the basic SSS pension, the AMSC cap is โฑ20,000, even if you pay at โฑ35,000. Anything above โฑ20,000 goes to the MySSS Pension Booster (MPF) โ a separate savings/investment fund.
So, using my record:
AMSC = โฑ20,000 (capped)
CYS = 34 years
โฑ300 + (โฑ4,000) + (โฑ400 ร 24) = โฑ13,900/month (estimated).
โ
This is the realistic pension based on the 2025 SSS computation rules.
_________________
๐ง๐ต๐ฒ ๐ฅ๐ฒ๐ฎ๐น๐ถ๐๐
Even after 34 years of consistent payment...
the estimated monthly pension is only around โฑ13,900.
And thatโs already near the top tier.
If your income is โฑ15,000/month, your pension would be roughly โฑ6,300.
No wonder many retirees still work...
SSS is not a retirement plan.
Itโs just somehow a safety net, and a thin one.
___________________
Thatโs why I decided to:
โ
Continue paying SSS as self-employed kasi baka maging okay naman in the future. Also for other benefits like, Sickness Benefit, Maternity Benefit, Disability Benefit, Death Benefit, Funeral Benefit, Unemployment Benefit, Employeesโ Compensation (EC) Benefit, and Loan
โ
Contribute at the max MSC (โฑ35K... for MPF growth)
โ
Build my own retirement fund.... investments, insurance, savings.. magbusiness
Because โmay SSS naman akoโ sounds safeโฆ
until you see the actual math.
Talagang hangga't kaya mag invest...
๐๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ฎ๐น ๐๐ถ๐๐ฒ๐ฟ๐ฎ๐ฐ๐ ๐๐๐ปโ๐ ๐๐๐๐ ๐๐ฏ๐ผ๐๐ ๐ ๐ผ๐ป๐ฒ๐... ๐๐โ๐ ๐๐ฏ๐ผ๐๐ ๐๐ช๐๐๐๐ก๐๐ก๐.
Share this with a friend whoโs self-employed or freelancing.
Letโs stop pretending โokay na โyanโ... and start planning smarter. ๐
*Estimates are based on official SSS formulas (RA 11199, 2025 rate). Actual benefits depend on verified records and prevailing policies at the time of retirement.
๐ Disclaimer: This post is based on my own study and understanding of SSS rules.
Youโre encouraged to verify and compute your own based on your actual records.
If thereโs anything to correct, feel free to share,,,, so everyone can learn together. ๐ค
