Philippine Financial Calculators
Free financial calculators built for Filipinos — from take-home pay and SSS pension projections to loans, savings, and retirement planning. Every tool is grounded in current PH rates and rules.
Net monthly salary after SSS, PhilHealth, Pag-IBIG & BIR withholding tax (2026 TRAIN Law).
Compute 13th month pay under PD 851, with proration and the ₱90,000 tax-exempt cap.
Visualize your monthly budget as a live pie chart. Add, rename, and remove categories to fit your life.
Compare monthly, fortnightly, and weekly repayments with full amortization and total cost.
Estimate your monthly finance charge using BSP-capped rates (max 3%/month) and the ADB method.
Estimate your monthly home loan payment, total interest, payoff date, and full amortization schedule.
Max Pag-IBIG loan, monthly amortization, and required income using 2024 fixed pricing rates.
Project your tax-free 5-year MP2 maturity from initial deposit, monthly contribution, and dividend rate.
See how savings grow, with 2026 PH reference rates for savings, MP2, digital banks, time deposits, and the S&P 500.
Inflation-adjusted PH retirement planner: project income vs. expenditure and see if your nest egg will last.
Compute your 2026 SSS contribution (with WISP split) and project your future SSS monthly pension.
Estimate your 105-day SSS maternity benefit under RA 11210 plus the employer salary differential.
Philippine financial calculators, built on local rules
Generic online calculators get Philippine numbers wrong because they miss the local mechanics: graduated withholding tax under the TRAIN law, employee-share SSS, PhilHealth and Pag-IBIG contribution tables, Pag-IBIG MP2 dividends that are declared annually rather than fixed, and the 13th-month rule under Presidential Decree 851.
Every calculator here is built from the current published tables and rates for the Philippines and shows its working, so you can see which assumption drives the result. Where a figure is an estimate — future MP2 dividends, long-run investment returns, or inflation — we say so and let you change it rather than hiding a default.
Use the pay and tax tools for decisions you make this month, and the projection tools (compound interest, retirement, MP2 maturity) for the ones you make once and live with for years. Nothing you type is stored or sent anywhere; the maths runs in your browser.
- Contribution and tax tables change — each calculator states the year it uses.
- Projections are estimates, not guarantees; change the assumptions to see the range.
- Results are for planning only and are not financial advice.
About these calculators
Are these calculators accurate for the Philippines?
They use current published Philippine contribution tables, tax brackets, and programme rules rather than generic international formulas. Individual results can still differ from a payslip because employers may apply allowances, de minimis benefits, or salary-deduction loans differently.
Is my data saved?
No. The calculations run in your browser and the numbers you enter are not stored on our servers or shared with anyone.
Which calculator should I start with?
If you are employed, start with Take-Home Pay to see your real monthly figure, then Monthly Budget to allocate it. If you are planning ahead, start with Compound Interest or MP2 Savings.
Why does my payslip differ from the take-home pay result?
Usually because of items only your employer knows about: taxable allowances, de minimis benefits within the exempt caps, HMO or union deductions, salary-loan amortisations for SSS or Pag-IBIG, or a semi-monthly withholding schedule that trues up at year-end. The calculator models the statutory deductions and graduated withholding tax; company-specific items sit on top of that.
Can I use these calculators if I am self-employed or an OFW?
Yes, with care. Voluntary and self-employed members pay both contribution shares themselves and are not subject to employer withholding, so the take-home figure behaves differently. The savings, MP2, loan, and retirement projections work the same regardless of employment status.
How often are the rates and tables updated?
We review contribution schedules, tax brackets, and programme rules whenever the relevant agency publishes a change, and each calculator states the year of the tables it uses. If you spot a figure that has moved, tell us through the contact page and include the source.