Philippines Salary Calculator 2026: Take-Home Pay and Tax
Calculate your take-home pay in the Philippines 2026: SSS, PhilHealth and Pag-IBIG contributions and the BIR withholding tax under the TRAIN law.
| Item | Amount |
|---|
Rates for 2026: SSS Circular 2024-006 (15%, salary credit from ₱5,000 to ₱35,000), PhilHealth 5% from ₱10,000 to ₱100,000 shared with the employer, Pag-IBIG 2% up to ₱10,000 and the BIR monthly withholding table in force since 2023.
What it does
In the Philippines the employer deducts from the salary the employee share of three contributions: SSS (5% of the monthly salary credit, up to ₱35,000), PhilHealth (half of 5%) and Pag-IBIG (2%, at most ₱200). What remains is taxed with the BIR withholding table of the TRAIN law: nothing up to ₱20,833 a month, then 15% to 35%. Non-taxable allowances (de minimis) are added to the net pay without tax.
How to use it
- Type your monthly basic salary.
- Add other taxable pay and non-taxable allowances if you have them.
- Read the take-home pay, the contributions and the tax.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
What is the take-home pay for ₱30,000 a month?
SSS ₱1,500, PhilHealth ₱750 and Pag-IBIG ₱200 make ₱2,450. The taxable pay is ₱27,550, and the tax is 15% of the part above ₱20,833: ₱1,007.55. The take-home pay is ₱26,542.45 a month.
Up to what salary is there no income tax?
The taxable pay after contributions must not exceed ₱20,833 a month (₱250,000 a year). With only a basic salary that is about ₱22,700 a month.
How much does the employer pay for ₱30,000?
The salary plus SSS ₱3,000, the Employees' Compensation premium ₱30, PhilHealth ₱750 and Pag-IBIG ₱200: ₱33,980 a month.
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