Financial Calculators Philippines
16 free financial calculators built for Filipinos — from income tax and take-home pay to SSS pension projections, Pag-IBIG loans, savings, and retirement planning. Every tool is grounded in current PH rates and rules.
Payroll & Tax
What lands in your bank account, and what the BIR takes first.
Net monthly salary and BIR withholding tax after SSS, PhilHealth, and Pag-IBIG (2026 TRAIN Law).
The PD 851 formula with proration, unpaid-leave deductions, and the ₱90,000 tax-exempt cap.
10% night shift pay for 10PM–6AM hours, with rest day, holiday, and night overtime premiums.
Turn your net pay into a live pie-chart budget. Add, rename, and remove categories to fit your life.
SSS, PhilHealth & Pag-IBIG
What your mandatory contributions buy you back.
Your 2026 SSS contribution (with the WISP split) and a projection of your future monthly pension.
The 105-day SSS maternity benefit under RA 11210, plus the employer salary differential.
Maximum loanable amount, monthly amortization, and required income using official Pag-IBIG fixed pricing rates.
Project your tax-free 5-year MP2 maturity from initial deposit, monthly savings, and dividend rate.
Loans & Credit
The real cost of borrowing, before you sign anything.
Monthly home loan payment, total interest, payoff date, and a full amortization schedule.
Monthly, fortnightly, and weekly repayments with full amortization and total cost of borrowing.
Monthly amortization from price, down payment, and term — with add-on vs effective rates, chattel mortgage, and insurance.
Your monthly finance charge using BSP-capped rates (max 3%/month) and the average daily balance method.
Saving, Investing & Retirement
Where compounding, not salary, does the heavy lifting.
How savings grow, with 2026 PH reference rates for savings accounts, MP2, digital banks, time deposits, and the S&P 500.
Inflation-adjusted PH retirement planner: project income against expenditure and see if your nest egg lasts.
What your pesos will be worth in future years, the purchasing power lost, and your real return after inflation.
Everyday Money
The small computations that come up at the counter.
Which calculator answers your question?
Start with the question you actually have — the tool is on the right.
| Your question | Use this calculator |
|---|---|
| How much of my salary do I actually keep, and how much tax is withheld? | Income Tax & Take-Home Pay Calculator |
| How much 13th month pay am I owed this December? | 13th Month Pay Calculator |
| How much extra do I earn for working the night shift? | Night Differential Calculator |
| Where is my salary going each month? | Monthly Budget Calculator |
| How much SSS pension will I receive when I retire? | SSS Pension & Contribution Calculator |
| How much will I get for my maternity leave? | SSS Maternity Benefit Calculator |
| How much can I borrow from Pag-IBIG, and can I afford the amortization? | Pag-IBIG Housing Loan Calculator |
| How much will my MP2 savings be worth after 5 years? | Pag-IBIG MP2 Calculator |
| What will my monthly housing loan payment be? | Mortgage Calculator |
| How much will this personal loan really cost me? | Personal Loan Calculator |
| How much is my monthly car amortization, and what cash do I need upfront? | Car Loan Calculator |
| How much interest am I paying by carrying a balance? | Credit Card Interest Calculator |
| What will my savings grow into over time? | Compound Interest Calculator |
| Will my retirement money outlive me? | Retirement Calculator |
| Is inflation eating my savings? | Inflation Calculator |
| How much of this price is VAT? | VAT Calculator |
Financial calculators for the Philippines, built on local rules
Calculators built for other countries get Philippines figures 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.