About PH Calculator
PH Calculator started from a simple frustration: Philippine payroll, loans, and utility bills are full of moving parts — SSS brackets, PhilHealth premiums, TRAIN tax, tiered water rates — but most generic calculators online use foreign rules or skip the details that matter here.
We built fast tools plus plain-language guides so you can estimate confidently, then verify against official issuances and your payslip. No account wall — just transparent math and clearly labeled assumptions.
What We Do
We publish free calculators for the Philippines — net salary, SSS, withholding tax, loans (including Pag-IBIG housing), overtime, 13th month, electricity, water, fuel, and more. Where rates are table-driven, we cite the circular or law readers should check. Where rules vary by employer, we say so upfront.
Articles on this site explain why a formula looks the way it does — so the numbers feel less like magic and more like something you can reason about. We are an independent project: not a bank, not a government agency, and not a substitute for a CPA or HR when you need binding advice.
Methodology and primary sources
Calculators are implemented as transparent formulas and tables in code (for example TRAIN brackets, SSS MSC schedules, tiered water blocks). When agencies publish new circulars, we update inputs and document the change on the relevant page with a "last updated" note where applicable.
Always verify against official channels for binding decisions:
- BIR — bir.gov.ph (tax tables and revenue regulations)
- SSS — sss.gov.ph (contribution and benefit tables)
- PhilHealth — philhealth.gov.ph (premium rates and circulars)
- Pag-IBIG — pagibigfund.gov.ph (HDMF loan and contribution rules)
- DOLE / NWPC — dole.gov.ph (minimum wage and labor standards)
- DOE — doe.gov.ph (fuel price references where relevant)
PH Calculator is an independent educational project — not affiliated with these agencies. Articles explain context; tools show assumptions inline so you can reconcile with your payslip or bill.
Who Is This For?
Students
Get quick answers without wading through textbooks or complex formulas.
Professionals
Run salary, loan, and fuel calculations in seconds — right from your browser.
Everyone Else
Anyone who needs a reliable result fast — no account, no setup, no hassle.
Why People Use PH Calculator
- Instant results — no page reloads, no waiting
- No login or sign-up required, ever
- Based on official PH guidelines (TRAIN Law, SSS 2024, Pag-IBIG, PhilHealth)
- Completely free to use
"Show the math, link the sources, and never pretend a blog calculator replaces the government table."