Philippines Salary Calculator (2026)
Instantly compute your net take-home pay with accurate Philippine deductions — SSS, PhilHealth, Pag-IBIG, and BIR withholding tax under the TRAIN Law.
How to Compute Salary in the Philippines
Computing your net salary in the Philippines involves subtracting four mandatory government contributions from your gross pay: SSS, PhilHealth, Pag-IBIG, and income tax (BIR withholding).
Under the TRAIN Law (RA 10963), employees earning ₱250,000 or less annually are fully exempt from income tax. Those earning more are taxed at progressive rates from 15% up to 35% on income above ₱8 million per year.
The formula: Net Pay = Gross Salary − SSS − PhilHealth − Pag-IBIG − Withholding Tax
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Salary Calculator FAQs
How is income tax computed in the Philippines?
Under the TRAIN Law (RA 10963), employees earning up to ₱250,000/year are tax-exempt. Above that, progressive rates from 15% to 35% apply on the excess. The tax is first computed annually on your taxable income (after SSS, PhilHealth, and Pag-IBIG deductions), then divided by 12 for your monthly withholding.
How much is the SSS contribution in 2024?
SSS contribution is based on your Monthly Salary Credit (MSC). The employee share is 4.5% of MSC, with a maximum of ₱900/month. For example, if you earn ₱20,000+/month, you pay ₱900/month to SSS.
What is the PhilHealth contribution rate?
PhilHealth premium is 5% of your basic monthly salary (as of 2024), split 50/50 between employee and employer. The employee pays 2.5%, with a minimum of ₱250 and a maximum of ₱2,500 per month.
How much is Pag-IBIG contribution?
Pag-IBIG (HDMF) employee contribution is 2% of monthly salary, but capped at ₱100/month. For salaries of ₱1,500 or below, the rate is 1%. The employer also contributes ₱100/month.
Is the 13th month pay taxable in the Philippines?
The 13th month pay and other bonuses are tax-exempt up to ₱90,000 per year under the TRAIN Law. Any excess above ₱90,000 is subject to income tax.
Does this calculator work for self-employed individuals?
The calculator provides an estimate for self-employed individuals, but note that their tax computation differs (quarterly tax filings using BIR Form 1701Q). Self-employed individuals also contribute to SSS and PhilHealth at different rates. Consult a CPA for accurate self-employed tax computation.