Question 1

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

Accepted Answer

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.

Question 2

How is my SSS contribution computed?

Accepted Answer

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%.

Question 3

How is my PhilHealth premium computed?

Accepted Answer

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%.

Question 4

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

Accepted Answer

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.

Question 5

What are the 2026 BIR income tax brackets?

Accepted Answer

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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