PH Take-Home Pay Calculator
Enter a gross monthly salary and see what actually lands in your account after SSS, PhilHealth, Pag-IBIG and withholding tax — with every deduction shown separately.
- Gross salary
- ₱30,000.00
- SSS (employee share)
- −₱1,500.00
- PhilHealth (employee share)
- −₱750.00
- Pag-IBIG (employee share)
- −₱200.00
- Taxable income
- ₱27,550.00
- Withholding tax
- −₱1,007.50
Rates: SSS 15% of Monthly Salary Credit (5% employee), PhilHealth 5% of basic salary (2.5% employee), Pag-IBIG 2% capped at ₱200, BIR TRAIN Law withholding table — all effective 2026. Assumes a single employer, monthly pay, no other taxable allowances or de minimis benefits.
This is an estimate for planning purposes only, not tax or payroll advice. Verify against SSS/PhilHealth/Pag-IBIG/BIR or your employer's payroll before relying on it.
Frequently asked questions
- What deductions come out of a Philippine salary?
- Four things: SSS, PhilHealth and Pag-IBIG contributions, and withholding tax. The three contributions are computed from your gross monthly pay using the current contribution tables; withholding tax is then computed on what remains, because mandatory contributions are deductible before tax. That order matters — computing tax on gross overstates the deduction.
- Is 13th month pay taxable?
- Only above the statutory threshold. 13th month pay and other benefits are tax-exempt up to a ceiling set by law; anything above that is added to your taxable income for the year. Most rank-and-file employees fall under the ceiling and pay nothing on it.
- Why is my actual payslip slightly different?
- Employers may use a semi-monthly rather than monthly withholding table, may apply different rounding, and may deduct items this calculator knows nothing about — company HMO, loans, union dues, tardiness. Treat this as an estimate of the statutory deductions, not a payslip replica.
- Does this work for freelancers?
- No. Freelancers and self-employed professionals are taxed differently — either the 8% flat rate or graduated rates on net income, with contributions paid voluntarily rather than split with an employer. Use the freelancer tax calculator instead.
Estimates only — not tax, legal or financial advice. Rules change and individual circumstances vary; confirm with the relevant agency or a qualified professional before acting on a figure. Tool build 2026-07-27.1.