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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.

Formula last updated:

Formulas are reviewed and updated about every 2 weeks.

Popular salary examples

Jump to exact take-home pay examples for common monthly salaries in the Philippines.

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What this calculator does

This tool estimates your net take-home pay from your gross monthly salary for typical private-sector employment in the Philippines. It applies common payroll components: SSS, PhilHealth, Pag-IBIG, and BIR withholding tax under the TRAIN Law (RA 10963).

The goal is a transparent “first pass” number you can compare against your payslip — useful when evaluating a job offer, checking if deductions look reasonable, or teaching someone how payroll pieces fit together.

When to use it

  • Offer comparison: translate a gross offer into approximate net cash flow.
  • Payslip checks: spot major deviations from table-based contributions (before asking HR).
  • Budgeting: build a monthly budget from net, not gross.
  • Learning: understand how each deduction changes as salary rises (especially ceilings and tax brackets).

It is not meant for employers’ payroll runs, self-employed quarterly tax (BIR Form 1701Q), or cases with complex allowances and non-taxable benefits — those need professional review.

Formula and payroll logic (simplified)

Conceptually, monthly net pay follows:

Net ≈ Gross − SSS − PhilHealth − Pag-IBIG − Monthly Withholding Tax

SSS uses a Monthly Salary Credit (MSC) bracket from your gross pay. PhilHealth premiums are typically a percentage of compensation with policy-defined minimums and maximums. Pag-IBIG commonly uses a percentage with a cap on the employee share in many payrolls.

Withholding tax is usually computed by annualizing taxable income, applying TRAIN’s graduated rates, then allocating tax across months. Your employer may use automated tables and mid-year adjustments, so small differences vs. this estimator are normal.

If you need the tax component alone, use the withholding tax calculator after you know taxable income assumptions.

Step-by-step example (illustrative)

Suppose your gross is ₱30,000/month. A simplified educational walkthrough might look like this:

  1. Look up SSS employee share from the MSC bracket that matches your salary.
  2. Compute PhilHealth employee share using the premium rules in effect for the year (percentage × basis, subject to floors/ceilings).
  3. Apply Pag-IBIG employee contribution rules (often 2% with a common cap for many employees).
  4. Subtract those three from gross to approach taxable monthly compensation for withholding (exact payroll definitions can vary).
  5. Annualize taxable income, compute annual tax under TRAIN, divide by 12 for monthly withholding.
  6. Subtract withholding from the post-contribution remainder to estimate net pay.

The interactive calculator on this page performs these steps with the site’s current table assumptions — always compare to your official payslip and to issuer circulars.

Common mistakes

  • Using gross as if it were net for rent and loan affordability.
  • Forgetting that SSS/PhilHealth/Pag-IBIG have ceilings — deductions stop increasing after certain salary levels.
  • Assuming 13th month is always a separate “bonus net” — tax and payroll treatment can vary with totals and exemptions.
  • Ignoring employer-specific items: loans, tardiness, allowances, and de minimis benefits can change both taxable income and net cash.

References (verify on official sources)

Tax brackets follow RA 10963 (TRAIN Law). Contribution and premium logic should be checked against each agency's current circulars.

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?
SSS contribution is based on your Monthly Salary Credit (MSC). Under the final RA 11199 schedule, the employee share is 5% of MSC (MSC runs from ₱5,000 to ₱35,000), so the maximum employee share is ₱1,750/month at the top MSC.
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.