How to Check Your SSS Contributions Online (My.SSS and MySSS App)

Last checked October 2026 against the SSS Citizen’s Charter 2026 (1st Edition), the SSS Pay Contributions page, the SSS MySSS app page, the SSS Employees and Become an SSS Member pages, SSS form COV-01205, and Republic Act 11199. This guide explains public SSS processes. It is not legal advice.

Checking your SSS contributions online takes a few minutes once you have a My.SSS account. It is also the fastest way to catch an employer who deducted your share but never sent it to SSS. This guide follows the steps SSS itself publishes in its 2026 Citizen’s Charter: how to register, log in, find your posted contributions and generate a PRN. It then gives a diagnosis matrix for the question most readers actually have: why is a month missing, and who fixes it?

Update, October 25, 2026: we rebuilt the registration and PRN steps from the 2026 Citizen’s Charter. We added a “contribution missing” diagnosis matrix, the official forms and processing times for each fix, and the legal protections you keep when an employer fails to remit. We also corrected two points. Password resets use a one-time PIN, not an email link. And simple member data corrections can be started in My.SSS.

Quick answer

1. Register at sss.gov.ph → “Login to My.SSS” → “Create Now” → “Member”, using one registration preference SSS already has on file (for example an enrolled bank account, an activated UMID card or a paid PRN).
2. Log in with your user ID and password, then confirm with a one-time PIN from an authenticator app or SMS.
3. Open the contributions inquiry (web: the “Inquiry” or “Member Info” menu; app: the contributions section) and compare each month with your payslips or payment receipts.
4. If a month is missing, use the diagnosis matrix below. Most gaps are either normal posting lag, an employer that did not remit, or a payment made under the wrong PRN or SS number.

Who this guide is for

• Employees who want to confirm that the SSS deduction on their payslip actually reached SSS.
• Self-employed, voluntary, OFW and non-working spouse members who pay their own contributions with a Payment Reference Number (PRN).
• Members preparing a maternity, sickness, salary loan or retirement claim, where the number of posted contributions decides eligibility.
• Family members helping a parent check a contribution history before retirement.

If your problem is with the card itself, read our guide on what still works with the MySSS card and UMID.

Web portal or MySSS app: which to use

Task	Web portal (member.sss.gov.ph)	MySSS app	Source
Create a My.SSS account	Yes: sss.gov.ph → Login to My.SSS → Create Now → Member	Use the web registration; then sign in on the app	Citizen’s Charter 2026
View posted monthly contributions	Yes, under the Inquiry or Member Info menu	Yes	SSS MESD services guide; MySSS app page
Generate a PRN for contributions	Yes: Payment Reference Number tab → Contributions	Yes: PRN → Contributions → Create	Citizen’s Charter 2026
Pay online	Through Billeroo inside the portal (additional charges may apply), or any accredited channel with the PRN	Maya, GCash or debit/credit card inside the app	Citizen’s Charter 2026; MySSS app page
Pension Booster PRN	Yes, minimum ₱500, or “Pension Booster Only”	Yes	Citizen’s Charter 2026; MySSS app page
Download the Statement of Account (SOA)	Yes, “PDF” button	Yes	Citizen’s Charter 2026
Biometric login	No	Yes	MySSS app page
Phone requirement	Any current browser	Android 9 or later, or iOS 14 or later	MySSS app page

Before you register: pick a registration preference you can prove

My.SSS asks you to prove you are the member by entering one record SSS already holds. The SSS Citizen’s Charter 2026, 1st Edition lists seven options and a condition for each. If the condition is not met, registration fails even when you type the number correctly.

Registration preference	Must already be true	Common reason it fails
Savings account number, Citibank Cash Card, UBP Quick Card or UMID-ATM savings account	The account is registered (enrolled) with SSS	You entered a payroll account that was never enrolled with SSS
UMID card	Activated at an SSS information terminal in a branch	The card was released but never activated
Employer or household ID	Issued by your employer for the record SSS holds	Wrong employer number entered
Payment Reference Number	The PRN has been paid	You used a PRN that was generated but not yet paid
Date of loan	The loan still has a balance	You entered a fully paid loan
Transaction number on the E-1/E-6 (Personal Record or UMID application)	You applied for your SS number on or after December 10, 2020	Your number was issued earlier
Pension check number	You are a retiree or disability pensioner paid by check	Your pension is paid to a bank account

The charter describes this service as available to members with an SS number, at least one posted contribution and a date of coverage. If you just got your number and have never paid, the practical route is to pay your first contribution, wait for it to post, then register using that paid PRN.

Step 1: Create your My.SSS account

These steps follow the charter’s client steps. Field names are quoted as SSS lists them. We describe the published flow and do not show screenshots.

1. Go to www.sss.gov.ph, click “Login to My.SSS”, select “Create Now” and choose “Member”.
2. Choose one registration preference from the table above and enter the detail.
3. Fill in “Account Information” completely. In “Personal Information”, last name, given name and birth date are mandatory. “Mailing Address Information” and “Foreign Address Information” are optional.
4. Enter your mobile number and email address. If they match SSS records, the link goes to your registered email. If the email differs from SSS records, the charter says the link goes to the newly provided email.
5. Review the details, accept the “Terms of Service” and click “Create Account”.
6. Open the registration link from your email within five working days. After that, the link expires and you must register again.

SSS lists the registration as a free service with no requirements to submit. If anyone offers to “register” you for a fee, decline.

Step 2: Log in with your one-time PIN

1. At the My.SSS login, enter your User ID and Password, then click “Sign In”.
2. Click “GET PIN”. Choose either a time-based one-time password from an authenticator app, or a one-time PIN by SMS, and enter the code.
3. You land on the member dashboard (member.sss.gov.ph/member/auth/dashboard).

Forgot your password? The charter path is “Login to My.SSS” → “Forgot Password” → “Member” → “Multi-factor Authentication”, then enter your CRN/SS number, choose an SMS one-time PIN or the authenticator code, and set a new password. It is not done by email link.

Step 3: Find your posted contributions

On the web portal

SSS’s member electronic services guide says to log in, then mouse over “Inquiry” or “Member Info” and select the service you need. Choose the contributions inquiry. Menu labels have changed over the years, so look for “Contributions” rather than a fixed path. If you have paid both as an employee and as a self-employed or voluntary member, check every tab or column, because self-paid and employer-remitted months can be listed separately.

In the MySSS app

The SSS MySSS app page lists “view monthly contributions” among the app’s features, along with PRN generation, Pension Booster PRNs, a pension calculator and an inbox. The older SSS Mobile App path documented by SSS was the floating action button → “Actual Premiums” under Contribution. The new app may label this differently, so open the contributions section from the main menu.

Save a copy

Before you go to a branch or your HR office, save the record. On the web portal you can print or save the page as PDF from your browser. In the app, a screenshot is fine for your own reference.

How to read your contribution record

• A month with an amount means SSS posted a contribution for that month.
• A blank or zero month means nothing was posted. You may have been unemployed, you may not have paid, or an employer may not have remitted.
• The most recent month or two missing is often normal, because employers have until the last day of the following month to pay (see the timing table below).
• Two sets of figures may appear if your monthly salary credit (MSC) is above ₱20,000. The SSS Pay Contributions page says contributions on the MSC above ₱20,000, up to ₱35,000, go to your MySSS Pension Booster account under the Mandatory Provident Fund.

Worked example: does your deduction match the rate?

Since January 1, 2025, the regular SS contribution is 15% of the MSC up to ₱35,000, shared 10% by the employer and 5% by the employee, per the SSS Pay Contributions page and SSS Circular 2024-006. The employer alone also pays the Employees’ Compensation (EC) contribution: ₱10 for an MSC of ₱14,500 and below, ₱30 for ₱15,000 and up.

The count also matters for the SSS retirement pension, which has its own contribution requirement.

Monthly salary credit	Total SS contribution (15%)	Employee share (5%)	Employer share (10%)	Employer EC	Part going to Pension Booster (MPF)
₱10,000	₱1,500	₱500	₱1,000	₱10	None
₱15,000	₱2,250	₱750	₱1,500	₱30	None
₱20,000	₱3,000	₱1,000	₱2,000	₱30	None
₱25,000	₱3,750	₱1,250	₱2,500	₱30	₱750 (15% of the ₱5,000 above ₱20,000)
₱35,000	₱5,250	₱1,750	₱3,500	₱30	₱2,250 (15% of ₱15,000)

If your payslip shows ₱1,000 deducted for SSS every month, your MSC is likely ₱20,000. Your record should then show a ₱3,000 total for each of those months.

When should a payment appear?

Before you assume something is wrong, check whether the deadline for that month has even passed. SSS publishes these deadlines on its Pay Contributions page.

Who pays	Deadline for a given month	What it means when you check
Regular employer and household employer	Last day of the month following the applicable month	October’s contribution can legally be paid as late as November 30. Do not expect it in early November.
Self-employed, voluntary, non-working spouse	Last day of the month following the applicable month or quarter	Pay on time. SSS does not accept late payments for these members.
Land-based OFW	January to September: by December 31 of the same year. October to December: by January 31 of the next year	Retroactive OFW payments are not used for a benefit if the payment date falls within or after the semester of the contingency.

SSS says its Real Time Processing of Contributions (RTPC), in place since January 16, 2018, validates and posts PRN payments to the member’s record as they are made. The 2026 charter says payments through the My.SSS portal post in real time, with an email receipt. So if you paid with a PRN and the month is still missing after a few days, treat it as a problem to fix, not a normal delay.

Contribution missing? Diagnosis matrix

Find the row that matches what you see. The “How to confirm” column uses only your My.SSS record and your own papers. The “Fix” column names the official SSS service, the form, and the processing time SSS publishes.

What you see	Likely cause	How to confirm	Fix and where	Published time and fee
Only the latest month or two are missing; your payslips show deductions	Normal lag: the employer’s deadline has not passed yet	Compare today’s date with the deadline (last day of the following month)	Wait until the deadline has passed, then check again	Not applicable
Several older months are missing even though your payslips show SSS deductions	Employer non-remittance or non-reporting	Count the blank months against your payslips. Ask HR in writing for the remittance proof (R-3 or e-CCL)	File a Member’s Complaint against Employer at any SSS branch, service office or foreign office	7 working days for SSS to act; no fee
Months are posted, but the amount or MSC is lower than your salary justifies	Under-remittance	Compare the posted total with 15% of your MSC (table above)	Member’s Complaint against Employer (it covers under-remittance)	7 working days; no fee
You paid with a PRN, but the month is still blank after a few days	Wrong PRN, wrong applicable month or wrong amount	Check the PRN, months and amount on your SOA against your receipt	Request for Correction/Refund/Posting/Adjustment of Contribution, with your official receipt showing the PRN	20 working days, 7 hours, 55 minutes; no fee
Your record starts later than your first job, or a whole employer is missing	Contributions were posted under another SS number you were issued	Ask the branch to verify; check old IDs and payslips for a different number	Request for Cancellation of Multiple SS Numbers, then consolidation, using form COV-01205	7 working days once records are available; no fee
Your SE/VM payment for a past month was refused	Late payment: SSS does not accept late SE/VM/NWS payments	Compare the payment date with the deadline	Pay current months on time. Ask a branch about any month you believe was paid on time	Not applicable
Your name, birth date or civil status is wrong on the record	Member data error	Compare the My.SSS member info with your PSA birth certificate	Simple corrections in My.SSS; others with Form E-4 (Member Data Change Request) at a branch	Depends on the change
You cannot see anything because registration keeps failing	The preference does not match SSS records, or the link expired	Re-read the “must already be true” column above	Try another preference, or register again if over five working days have passed	Free

Fix 1: your employer deducted but did not remit

This is the case most people worry about, and the law is on your side. SSS states on its Employees page that “the EE is still entitled to SSS benefits even if the ER fails or refuses to report and remit.” The underlying rules are in Republic Act 11199, the Social Security Act of 2018:

RA 11199 provision	What it says, in plain words
Section 22(a)	Employers must remit contributions on the schedule set by law and SSS. Late remittance carries a penalty of 2% a month.
Section 22(b)	An employer’s failure to remit does not cancel your right to benefits. SSS can bring an action to collect within 20 years.
Section 24(a)	An employer that fails to report an employee, and so causes the loss of a benefit, pays damages equal to that benefit.
Section 28(h)	An employer that deducts your share but does not remit it within 30 days is presumed to have misappropriated the money.

What to bring to the branch

The charter lists these requirements for a Member’s Complaint against Employer, which covers non-reporting, non-remittance and under-remittance of contributions and loan amortizations:

• A notarized Sinumpaang Salaysay (sworn statement) describing the months and amounts.
• The SSS Data Privacy Notice and Consent form.
• Proof of employment and your payslips for the affected months (original and photocopy).
• Valid ID: the original plus a photocopy of an ID from the charter’s list (for example UMID, SS card, passport, driver’s license or the National ID).

The charter lists 7 working days and no fee. SSS then sends the employer a request for records or a billing letter. If the employer does not comply, the account is referred to SSS legal for a demand letter. Filing hours are 8:00 AM to 5:00 PM.

Fix 2: you paid, but it did not post

Use the Request for Correction/Refund/Posting/Adjustment of Contribution. The charter lists these requirements:

• The SSS Request/Verification Form (COV-01205), with the “Correction/Refund/Posting/Adjustment” box ticked.
• The Data Privacy Notice and Consent form.
• Proof of payment (certified true copy plus photocopy). For self-employed, voluntary, OFW and non-working spouse members, that means a validated RS-5, an RS-5 with the SBR, or an official receipt showing the PRN. For employed members, the employer’s processed R-3 or e-CCL (for 2007 to 2017, the R-3 as received by SSS).

SSS classifies this as highly technical, with a processing time of 20 working days, 7 hours and 55 minutes, and no fee.

Fix 3: you have more than one SS number

SSS says the SS number is for life and a member must never get a second one. If you have several, request cancellation of the extras. The SSS Become a Member page says the number that is kept is decided in this order:

1. The number with a UMID or SS ID card, issued or pending.
2. The number with the most posted contributions.
3. The number with the most recent contributions.
4. The earliest issued number.

File the Request for Cancellation of Multiple SS Numbers with form COV-01205, the Data Privacy Notice and a valid ID. The charter lists 7 working days and no fee, but if your old E-1 or E-4 records are not in SSS’s electronic records system, processing starts only after the branch receives the microfilmed copies. Once only one number is left, ask for the contributions to be consolidated under it.

Worked example: three missing months

A hypothetical example. Ana checks My.SSS on October 25, 2026. Her record shows contributions through June 2026, then nothing for July, August and September, then nothing for October. Her payslips show a ₱1,000 SSS deduction every month.

1. October: normal. Her employer has until November 30, 2026 to pay it.
2. July to September: the deadlines (August 31, September 30 and October 31) have passed, or will pass within days for September. She waits until November 1. If the months are still blank, this is likely non-remittance.
3. She emails HR asking for the remittance proof for those months and keeps the reply.
4. If HR cannot show proof, she prepares the Sinumpaang Salaysay, brings her July to September payslips, the Data Privacy form and her ID to an SSS branch, and files a Member’s Complaint against Employer.
5. She keeps checking My.SSS. Under RA 11199 Section 22(b), the gap does not cancel her right to benefits, but documenting it early makes the case easy.

Generating a PRN and paying (SE, VM, OFW, NWS)

Members who pay their own contributions need a Payment Reference Number. The PRN is mandatory for every payment channel. You can get one through My.SSS, the MySSS app, email to usssaptayo@sss.gov.ph, the 1455 hotline, or selected collecting partners.

On the web portal

1. Log in and complete the one-time PIN step.
2. Open the “Payment Reference Number” tab and select “Contributions”.
3. Enter your membership type, the applicable period and the amount, then click “Generate PRN”. Review the details.
4. Optional: enter a Pension Booster amount (minimum ₱500). If the regular contribution for the current month is already paid, switch on “Pension Booster Only” to get a separate PRN.
5. Click “PDF” to download the Statement of Account with the PRN, or pay directly through Billeroo in the portal (additional charges may apply).

In the MySSS app

1. Tap PRN → Contributions → Create.
2. Enter the details and tap “Generate PRN”.
3. Download the SOA, or pay in the app with Maya, GCash or a card.

Payment route	What the charter or app page lists
Online in the My.SSS portal	Online banking with a camera-enabled device to scan a QR code; credit or debit card (Diners, Discover, MasterCard, UnionPay or Visa); e-wallets (GCash, GrabPay or Maya)
In the MySSS app	Maya, GCash, or debit/credit card
Outside the portal	Any SSS-accredited collecting partner, using the PRN

Keep the receipt until the month shows in your record. It is the proof you will need for a correction request.

Checking your salary loan balance

The same My.SSS account shows your loans. On the web portal, open the loans inquiry under the “Inquiry” menu. In the app, open the loans section to see the status and balance of a salary loan. If you pay a loan yourself, the portal and app can also generate a PRN for loan payments. Check that each payment posts. Unpaid balances can block new loan applications and are deducted from benefits later.

Troubleshooting login and app problems

Problem	Likely cause	What to try
Activation email never arrived	Spam folder, a typo in the email, or the email differs from SSS records	Check spam and promotions. If the email was mistyped, register again with the correct one
Activation link says expired	More than five working days passed	Register again
Registration preference rejected	The detail does not meet SSS’s condition (unenrolled account, inactive UMID, unpaid PRN, fully paid loan)	Choose another preference from the table above
Forgot password	Not applicable	“Login to My.SSS” → “Forgot Password” → “Member”, then verify with a one-time PIN
No PIN arrives by SMS	Mobile number on file is outdated	Use the authenticator app option, or update your contact details
App will not install	Phone below Android 9 or iOS 14	Use the web portal in your phone’s browser
Fake SSS app or page	Ads or search results that are not official	Log in only at sss.gov.ph addresses and install the MySSS app from the official listing

Common mistakes

• Sharing your login with a fixer. Anyone with your login can see your records and file transactions. My.SSS services are free.
• Checking once a year. A quarterly check catches non-remittance while your payslips are still easy to find.
• Paying the wrong months. Check the applicable period on the SOA before you pay.
• Ignoring the Pension Booster line. If your MSC is above ₱20,000, part of the contribution goes to your Pension Booster account. It is still your money.
• Getting a second SS number. This splits your record and delays claims.

Before you file a claim: a quick checklist

Planning a claim? Our SSS sickness benefit guide covers eligibility and filing.

• Count the posted contributions in the window your benefit requires. Our SSS maternity benefit guide explains one such window.
• Confirm that a disbursement account is enrolled in My.SSS.
• Check that your name and birth date match your valid IDs and PSA birth certificate.
• Save a copy of your contribution record.

Frequently asked questions

How long before a payment shows in My.SSS?

PRN payments are processed in real time under SSS’s RTPC system, and portal payments post with an email receipt. Employer remittances can legally arrive up to the last day of the month after the applicable month.

Can I see contributions from years ago?

Yes. The record covers your contribution history under your SS number. If years are missing, check whether you were ever issued a second number.

Will I lose benefits if my employer did not remit?

SSS says you are still entitled to benefits even if the employer fails or refuses to report and remit, and RA 11199 Section 22(b) says the same. File a complaint so SSS can collect.

How long does a correction take?

SSS publishes 20 working days, 7 hours and 55 minutes for a Request for Correction/Refund/Posting/Adjustment of Contribution, with no fee.

Who do I contact?

SSS lists the 1455 hotline, usssaptayo@sss.gov.ph and @MYSSSPH on its MySSS app page. Feedback can also be sent through crms.sss.gov.ph.

Sources

All sources checked October 25, 2026.

• SSS Citizen’s Charter 2026, 1st Edition: My.SSS member registration, login with one-time PIN, PRN generation (web and app), online PRN payment options, forgotten password, Member’s Complaint against Employer, Request for Correction/Refund/Posting/Adjustment of Contribution, Cancellation of Multiple SS Numbers
• SSS Pay Contributions page: 15% rate and shares, EC amounts, MSC cap and Pension Booster, OFW minimum MSC, PRN rule, RTPC, payment deadlines, late-payment rule
• SSS MySSS app page: app features, phone requirements, payment methods, hotline and email
• SSS Employees page: Form E-4 for data changes, employer liability, “the EE is still entitled to SSS benefits”
• SSS Become an SSS Member page: one SS number for life and which number is kept
• SSS Request/Verification Form COV-01205 and Form E-4 Member Data Change Request
• SSS Member Electronic Services guide: “Inquiry” and “Member Info” menus; older app path to Actual Premiums
• SSS Circular 2024-006: 2025 contribution schedule
• Republic Act 11199 (Social Security Act of 2018): Sections 22, 24 and 28

Questions or corrections? Email PinoyTips at admin.pinoytips@gmail.com.