Take-Home Pay Calculator (Philippines, 2026)
Enter your monthly salary to see your net take-home pay after mandatory contributions and withholding tax.
Compute your take-home pay
| Gross monthly salary | |
|---|---|
| SSS contribution | |
| PhilHealth contribution | |
| Pag-IBIG contribution | |
| Withholding tax | |
| Net take-home pay |
Estimate only. Assumes a regular employed member and uses Monthly Basic Salary. Excludes 13th-month pay, de minimis benefits, and salary deductions for tardiness/absences. Self-employed, OFW, and kasambahay rates differ.
How take-home pay is computed
Your net pay is your gross monthly salary minus four deductions (for a deeper walkthrough, see our guide on how income tax is computed):
- SSS — 5% of your Monthly Salary Credit (employee share).
- PhilHealth — 2.5% of your monthly basic salary (employee half of the 5% premium).
- Pag-IBIG — 2% of your monthly salary, capped at ₱200.
- BIR withholding tax — applied to your taxable income (gross minus the three contributions above) using the TRAIN graduated rates.
The first ₱250,000 of annual taxable income (about ₱20,833 per month) is tax-exempt, which is why lower salaries often have zero withholding tax.
Worked example: ₱30,000 salary
- SSS: ₱1,500 · PhilHealth: ₱750 · Pag-IBIG: ₱200
- Taxable income: ₱30,000 − ₱2,450 = ₱27,550/month
- Withholding tax: ₱1,007.50
- Take-home pay: ₱26,542.50
Want to see just your SSS contribution and the employer/EC split? Use the SSS Contribution Calculator. Getting your bonus soon? Try the 13th-month pay calculator. Freelancer or self-employed? Compare the 8% vs graduated tax.
Take-home pay for common salaries
₱15,000₱18,000₱20,000₱25,000₱30,000₱35,000₱40,000₱45,000₱50,000₱60,000₱70,000₱80,000₱100,000₱120,000₱150,000
Last updated: 2026-06-27.
Rates based on official sources:
BIR (TRAIN graduated tax),
SSS 2025 contribution table,
PhilHealth Advisory 2025-0002,
and Pag-IBIG Circular No. 460.