How is my SSS contribution computed?

For 2026, the total SSS contribution rate is 15% of your Monthly Salary Credit (MSC). The MSC is bracketed in ₱500 steps, with a floor of ₱5,000 and a ceiling of ₱35,000. Employed members pay 5% (employee share); self-employed/voluntary members shoulder the full 15%.

How is my PhilHealth premium computed?

PhilHealth premiums for 2026 are 5% of your monthly basic salary, with an income floor of ₱10,000 and a ceiling of ₱100,000. Employed members split the 5% equally with their employer; self-employed/voluntary members pay the full 5%.

How is my Pag-IBIG (HDMF) contribution computed?

The Pag-IBIG employee share is 2% of monthly compensation, capped at a ₱10,000 base — a maximum monthly employee contribution of ₱200. Employers also contribute 2% on the same capped base.

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Free financial calculators built for Filipinos.

Philippine Take-Home Pay Calculator

Based on 2026 TRAIN Law, SSS, PhilHealth & Pag-IBIG rates

Monthly Gross Salary (₱)

Employment Type

Enter your monthly gross salary above to see your breakdown.

Disclaimer: This calculator provides estimates only. Results are based on 2026 government contribution rates (SSS 15%, PhilHealth 5%, Pag-IBIG 2%) and TRAIN Law tax tables. Actual deductions may vary based on your specific employment contract, benefits, and tax filing status.

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