How do I compute my take-home pay in the Philippines?

Start with your monthly gross salary, subtract SSS (5% employee share), PhilHealth (2.5% employee share), and Pag-IBIG (2%, capped at ₱200/month). The remainder is your taxable income, on which BIR applies the TRAIN Law tax brackets. The final amount after all deductions is your take-home (net) pay.

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 and 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 (2.5% each). Self-employed and voluntary members pay the full 5%.

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

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

What are the 2026 BIR income tax brackets?

Under the TRAIN Law effective for 2026: ₱0–250,000 is tax-exempt; ₱250,000–400,000 pays 15% of the excess over ₱250,000; ₱400,000–800,000 pays ₱22,500 + 20% of excess; ₱800,000–2,000,000 pays ₱102,500 + 25%; ₱2M–8M pays ₱402,500 + 30%; over ₱8M pays ₱2,202,500 + 35%.

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Take-Home Pay Calculator

Estimate your net monthly salary in the Philippines after SSS, PhilHealth, Pag-IBIG, and BIR withholding tax — using 2026 TRAIN Law brackets and updated statutory contribution rates.

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.

Frequently Asked Questions

How your monthly contributions are computed under 2026 rates.

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What gets deducted from your Philippine salary

Your take-home pay is your gross salary minus four things: SSS, PhilHealth, and Pag-IBIG contributions, and withholding tax under the TRAIN Law. The three mandatory contributions are deducted first, and only the remainder is taxable — which is why your tax is lower than a straight percentage of gross pay.

For employed members, SSS is computed on your Monthly Salary Credit and split with your employer, PhilHealth premium is 5 percent of your monthly basic salary shared equally with your employer, and Pag-IBIG is 2 percent of monthly compensation up to the standard ceiling. Self-employed, voluntary, and OFW members shoulder the full contribution themselves, which is why the calculator asks about your employment status.

Withholding tax follows the TRAIN Law annual brackets, with the first ₱250,000 of annual taxable income exempt. That means an employee earning around ₱20,000 a month typically pays little or no income tax once contributions are removed, while higher earners move into the 20 to 35 percent marginal bands.

The 13th month pay and other benefits are tax-exempt up to a combined ₱90,000 per year; only the excess is taxed.
De minimis benefits such as rice allowance and uniform allowance within legal limits are not taxable.
This calculator estimates a regular monthly payroll; overtime, night differential, and commissions change the taxable base.
Contribution tables are updated by SSS, PhilHealth, and Pag-IBIG periodically — confirm the current schedule for exact peso amounts.

Frequently asked questions

How much tax is deducted from a ₱30,000 salary in the Philippines?

After SSS, PhilHealth, and Pag-IBIG are deducted, the remaining taxable income for a ₱30,000 monthly salary falls in the second TRAIN bracket, so withholding tax is a few hundred to roughly a thousand pesos a month depending on the exact contribution amounts. Enter your figure above for a specific estimate.

Why is my payslip different from this estimate?

Employers may also deduct union dues, HMO share, loan amortizations for SSS or Pag-IBIG loans, salary advances, tardiness, or cooperative contributions. Payroll may also annualize your tax at year-end, which shifts the monthly withholding.

Is 13th month pay taxable?

It is tax-exempt together with other benefits up to ₱90,000 per year. Anything above that combined ceiling is added to your taxable income and taxed at your marginal rate.

Do self-employed and freelancers pay more?

For contributions, yes — there is no employer to split SSS, PhilHealth, and Pag-IBIG with, so the full amount is yours. On tax, self-employed individuals earning up to ₱3,000,000 may opt for the 8 percent flat rate on gross receipts instead of the graduated rates.