How to check your posted SSS contributions

You can see your posted SSS contributions in your My.SSS account on the SSS website or in the MySSS mobile app. SSS’s website also still lists a text service, Text-SSS. Count the months that have posted toward the 120 monthly contributions a pension needs (RA 11199 Sec. 12-B). If a payment you made is missing, SSS’s procedure is a request for correction or posting at an SSS branch or foreign office (2026 SSS Citizen’s Charter).

Where to see your posted contributions

• My.SSS, on the SSS website. SSS says members can use My.SSS to “access their SSS information including contributions, loans, and status of benefit claims” (SSS news, 21 January 2022), and to request copies of their records (SSS news, 28 January 2022). You need an account first: see how to register for My.SSS.
• The MySSS mobile app. SSS’s app page lists “View your membership details, monthly contributions” among what the app does. It runs on Android 9 and iOS 14 or later.
• Text-SSS. SSS’s text service through the number 2600. The steps are below.

Step by step

In My.SSS (log-in steps from the 2026 Citizen’s Charter):

1. Go to www.sss.gov.ph and click Login to My.SSS.
2. Enter your user ID and password and click Sign In.
3. Click Get PIN and choose a one-time PIN by SMS or a code from your authenticator app, then enter it.
4. Open your contribution record. SSS does not publish a click-by-click guide to this screen. Its circulars refer to the Inquiry module of the My.SSS member account as the place where your records are displayed (SSS Circular 2022-018).
5. Go through the months one by one and note any that are missing.

In the MySSS app: log in with your user ID and password, or with face or fingerprint login (Citizen’s Charter), and view your monthly contributions.

Printing or saving a copy. SSS’s guides do not describe a print or download button for the contribution record, in My.SSS or in the app. To keep a copy for yourself, open the record in My.SSS on a computer and use your browser’s print function, which can also save the page as a PDF. Keep it private: it shows your SS number. If you ever need to prove a payment, SSS asks for your receipts, so keep every PRN and receipt as well.

Reading your record

SSS does not publish a guide to each column of the record. These are the three things to look for, each tied to SSS’s own rules:

• The month. Each contribution is for an applicable month. Your payment reference number (PRN) shows the amount, the period it covers and the due date (Citizen’s Charter), so you can match a payment to its months.
• The monthly salary credit (MSC). The monthly salary credit is “the compensation base for contributions and benefits” (RA 11199 Sec. 8(g)). For benefits, SSS counts salary credits from PHP 5,000 to PHP 20,000 (SSS Pay Contributions page). Contributions on salary credit above PHP 20,000, up to PHP 35,000, go to your own account in the MySSS Pension Booster.
• The amount. 15% of the MSC. Self-employed members also pay Employees’ Compensation of PHP 10 or PHP 30 (SSS Circular 2024-008).

A month posted at a lower MSC than you paid for can happen with advance payments. If the rate or MSC changes after you paid ahead, SSS says you must settle the underpayment, “otherwise, their contributions would be posted at the applicable lower MSC level” (SSS Pay Contributions page).

Counting toward 120

• A monthly pension needs 120 monthly contributions paid “prior to the semester of retirement” (RA 11199 Sec. 12-B). A semester is “two (2) consecutive quarters ending in the quarter of contingency” (Sec. 8(o)).
• Count the months with a posted contribution. Months you paid as an employee, OFW, self-employed or voluntary member are all on the same SS number.
• Months paid ahead count only once the month has passed (SSS Pay Contributions page).
• Land-based OFWs: “No contribution paid retroactively by a land based OFW member based on the above deadline shall be used in determining his/her eligibility to any benefit arising from a contingency wherein the date of payment is within or after the semester of contingency” (SSS Pay Contributions page).

What happens below 120, and how to keep paying, is in how many contributions you need for an SSS pension. To see what your record could pay at retirement, use the SSS pension calculator.

Missing or wrong months

First, give it time to post. Payments made in My.SSS through Billeroo and in the MySSS app post in real time. Payments at an SSS branch teller post “within 1 day from the date of payment”, and the Charter adds that you “may monitor posting of contribution through his/her My.SSS account” (2026 Citizen’s Charter).

If a payment you made still does not show, SSS’s procedure is a Request for Correction/Refund/Posting/Adjustment of Contribution, filed at an SSS branch or foreign office (2026 Citizen’s Charter). Bring:

• the Request/Verification Form, which the Charter says can be downloaded from the SSS website
• the data privacy notice and consent
• proof of payment, one certified true copy and one photocopy. For self-employed, voluntary, OFW and non-working spouse members, that is the validated contribution payment return (SS Form RS-5), the RS-5 with a special bank receipt, or the official receipt showing your PRN
• a valid ID, or two IDs if you have no primary ID

The Charter gives a total processing time of about 20 working days.

If an employer did not remit your contributions, the Charter lists a separate service for employed members: a complaint against the employer for non-reporting, non-remittance or under-remittance, filed at a branch with a notarised Sinumpaang Salaysay, proof of employment and payslips, and ID.

If you may have two SS numbers, some of your contributions could be on the other one. SSS says to request cancellation of the extra numbers so all records move to the one you keep (SSS Become an SSS Member page).

Checking by text

SSS’s Text-SSS page gives these steps:

1. Register once to get a PIN: text SSS REG, your 10-digit SS number and your birth date as mm/dd/yyyy, and send it to 2600.
2. Check contributions: text SSS CONTRIB, your SS number and your PIN, and send it to 2600.

SSS’s flyer on the same page gives the charge as PHP 2.50 a text for Globe and Smart or Sun subscribers. SSS does not say whether 2600 works from a foreign mobile number or when roaming, so members abroad may find My.SSS or the app easier.

Send these texts only to 2600. SSS warns that real SSS text messages come from the sender “SSS”, and that a message from an unknown mobile number asking you to click a link is a scam (SSS news, 18 July 2024). Never give your SS number, password or PIN to anyone who offers to check your record for you.

Back to the SSS guide for OFWs.