Take-Home Pay Calculator (Philippines)

How take-home pay is calculated in the Philippines

Your take-home (net) pay is your gross salary minus the mandatory deductions every employee in the Philippines pays. This calculator subtracts the four standard ones — SSS, PhilHealth, Pag-IBIG, and withholding tax — from your monthly basic salary to estimate what actually lands in your account. Everything runs in your browser, so your salary is never sent anywhere.

The four deductions

• SSS — your share is 5% of your monthly salary credit (capped at a ₱35,000 credit), under the 2026 contribution schedule.
• PhilHealth — 5% of your monthly basic salary split evenly with your employer, so you pay 2.5% (within a ₱10,000 floor and ₱100,000 ceiling).
• Pag-IBIG — 2% of your salary, with the mandatory employee share capped at ₱100.
• Withholding tax — computed on your salary after the three contributions above, using the BIR graduated rates (see below).

How the tax part works

Income tax is charged on your taxable income — your salary minus the SSS, PhilHealth, and Pag-IBIG contributions. We annualise that figure (×12), apply the BIR TRAIN graduated rates, then divide back by 12 to estimate your monthly withholding. This mirrors how most Philippine net-pay calculators work. Because the first ₱250,000 of annual taxable income is tax-exempt, lower salaries often have little or no withholding tax.

Important: this is an estimate

Contribution tables and rules change, and employers may compute slightly differently (for example, semi-monthly withholding tables, taxable allowances, or de minimis benefits). The figures here are based on 2026 rates and assume a regular monthly-paid employee with no extra taxable income. Always check your payslip and confirm exact amounts with SSS, PhilHealth, Pag-IBIG, and the BIR.

FAQ

Does this include my 13th month pay or bonuses?

No. It estimates regular monthly pay. 13th month pay is generally tax-exempt up to ₱90,000 — use our 13th month pay calculator for that.

Why is my real take-home slightly different?

Rounding, salary-credit brackets, taxable allowances, loan deductions, and your employer's exact withholding method all cause small differences. Treat this as a close estimate, not a payslip.

Which deductions does it subtract?

It subtracts the four mandatory deductions for a regular monthly-paid employee: SSS, PhilHealth, Pag-IBIG, and BIR withholding tax. The tax is computed on your salary after the three contributions, using the TRAIN graduated rates, so the order of deductions matters.

Why do low salaries show little or no tax?

Under the TRAIN law the first ₱250,000 of annual taxable income is tax-exempt. After SSS, PhilHealth, and Pag-IBIG are deducted, many lower salaries fall under that threshold and therefore have little or no withholding tax.

Which year's contribution rates does it use?

It uses the 2026 SSS, PhilHealth, and Pag-IBIG contribution schedules and the BIR graduated tax rates. Because these tables change periodically, always confirm exact amounts against your payslip and the relevant agencies.

Does my salary stay private, and is the tool free?

Yes to both. The entire calculation runs in your browser, so your salary is never sent anywhere, and the tool is free with no sign-up and works on mobile.