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🧮 Taxes
Compute Your Take-Home Pay
See what lands in your account each payday after mandatory contributions and income tax.
Philippines Salary / Take-Home Pay Calculator
Enter your monthly salary to estimate SSS, PhilHealth, and Pag-IBIG deductions, withholding tax, and your net take-home pay.
Take-Home Pay Estimate
Monthly Take-Home Pay₱30,473.75
Effective Tax Rate4.86%
Gross Salary₱35,000.00
Total Deductions₱4,526.25
Taxable Income₱32,175.00
Take-Home Per Payday₱15,236.88
Monthly Deductions
SSS₱1,750.00
PhilHealth₱875.00
Pag-IBIG₱200.00
Withholding Tax₱1,701.25
Other Deductions₱0.00
Estimate uses 2026 SSS, PhilHealth, and Pag-IBIG employee contribution rates plus annualized BIR withholding tax (TRAIN graduated rates). 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 — regular, private-sector employees on a company payroll whose SSS, PhilHealth, Pag-IBIG, and income tax are withheld by their employer. Enter your monthly gross salary to 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 minus mandatory contributions (SSS, PhilHealth, Pag-IBIG) minus withholding tax minus any other deductions, plus non-taxable allowances. Mandatory contributions are deducted before tax, so your taxable income is 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 payroll, where the employer withholds SSS, PhilHealth, Pag-IBIG, and income tax for you. 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.
How is the withholding tax calculated?
Mandatory SSS, PhilHealth, and Pag-IBIG contributions 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 SSS, PhilHealth, and Pag-IBIG deducted before tax?
Yes. Mandatory government contributions 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.
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.