Tool
Freelancer / Self-Employed Tax Calculator
Estimate annual income tax for Philippine freelancers and self-employed professionals using 8%, OSD, or itemized expense options.
Use tool →
🧮 Taxes
Philippines Salary / Take-Home Pay Calculator
See what lands in your account each payday after mandatory contributions and income tax.
Take-Home Pay Calculator
Enter your monthly salary to estimate SSS/GSIS, PhilHealth, and Pag-IBIG deductions, withholding tax, and your net take-home pay.
Tax-exempt up to ₱7,500/month (BIR de minimis limits). Any excess is added to taxable income.
Take-Home Pay₱15,236.88
Effective Tax Rate4.86%
Taxable Income₱32,175.00
Total Deductions₱4,526.25
Monthly Deductions
SSS₱1,750.00
PhilHealth₱875.00
Pag-IBIG₱200.00
Withholding Tax₱1,701.25
Estimate uses 2026 employee contribution rates: SSS (private) or GSIS (government), plus PhilHealth and Pag-IBIG, and annualized BIR withholding tax (TRAIN graduated rates). Non-taxable allowances are exempt only up to ₱7,500/month (BIR de minimis limits, RR 29-2025); any excess is added to taxable income. 13th-month pay up to ₱90,000 is tax-exempt and is not included here. Confirm exact payroll figures with your employer or the BIR.
About This Tool
This calculator is for people employed locally in the Philippines, both private-sector employees on a company payroll and government employees, whose mandatory contributions (SSS or GSIS, plus PhilHealth and Pag-IBIG) and income tax are withheld by their employer. Choose your employment type, enter your monthly gross salary, and see what actually lands in your account each payday.
It is not built for freelancers, virtual assistants, online sellers, consultants, or other self-employed professionals who register with the BIR and file their own taxes. If that describes you, use the Freelancer / Self-Employed Tax Calculator instead, your tax is computed differently (8% option, OSD, or itemized graduated rates).
How take-home pay is computed
Take-home pay = gross salary plus non-taxable allowances, minus mandatory contributions (SSS for private-sector employees or GSIS for government employees, plus PhilHealth and Pag-IBIG) and withholding tax. Mandatory contributions are deducted before tax, so your taxable income is your gross salary less those contributions. Withholding tax uses the annualized graduated TRAIN rates, and the result is divided by your pay schedule to show an estimated amount per payday.
FAQs
Who is this take-home pay calculator for?
It is for locally-employed Filipinos on a company or government payroll, where the employer withholds your mandatory contributions (SSS or GSIS, plus PhilHealth and Pag-IBIG) and income tax for you. Just pick whether you are a private-sector or government employee. It is not for freelancers, virtual assistants, or self-employed professionals who file their own taxes. They should use the Freelancer / Self-Employed Tax Calculator.
What is the difference between private-sector and government employees?
Private-sector employees pay SSS, computed as 5% of the monthly salary credit (which has a ceiling). Government employees do not pay SSS. They pay GSIS instead, a 9% personal share of their basic monthly salary with no salary cap. PhilHealth, Pag-IBIG, and BIR withholding tax work the same way for both, so the calculator only swaps the SSS or GSIS line based on the employment type you choose.
How is the withholding tax calculated?
Your mandatory contributions, SSS or GSIS, plus PhilHealth and Pag-IBIG, are subtracted from your gross salary first. The remaining taxable income is annualized and run through the BIR graduated TRAIN brackets, then divided back down to a monthly figure. Income up to ₱250,000 per year is tax-exempt.
Are mandatory contributions deducted before tax?
Yes. Mandatory government contributions, SSS or GSIS, PhilHealth, and Pag-IBIG, are non-taxable, so they are deducted from your gross salary before income tax is computed. That is why your taxable income is lower than your gross pay.
Is my 13th-month pay included in this estimate?
No. This shows your regular monthly take-home pay. 13th-month pay and other bonuses up to a combined ₱90,000 per year are tax-exempt and are not part of the monthly figure here.
What counts as a non-taxable allowance?
These are de minimis and other benefits the BIR treats as non-taxable, such as certain rice, meal, and medical allowances within the legal limits. They are added to your take-home pay but excluded from the income used to compute tax. Because each benefit has its own BIR ceiling (RR 29-2025), the calculator treats allowances as tax-exempt only up to ₱7,500 per month. Any amount above that is added to your taxable income.
Why is my actual payslip slightly different?
Employers may use the BIR withholding tax tables, different rounding, a different pay schedule, or apply additional company deductions and benefits. Treat this as a close planning estimate and confirm exact figures with your HR or payroll team.