About the Philippines Salary Calculator
This Philippines salary calculator shows how much of your monthly salary actually reaches your account. It deducts your employee share of SSS, PhilHealth and Pag-IBIG contributions, then computes BIR withholding tax on the remaining taxable compensation using the graduated TRAIN rates, and adds up the yearly picture including your 13th month pay.
It is designed for private-sector employees comparing job offers, checking a payslip or estimating the effect of a raise, and for employers who want to see the total monthly cost of a hire including employer contributions.
Contributions follow the current schedules: SSS at 15% of the monthly salary credit (5% employee) with MSC from ₱5,000 to ₱35,000 (Circular 2024-006), PhilHealth at 5% of basic salary between ₱10,000 and ₱100,000 split equally (the 2024–2025 schedule, still applied until PhilHealth publishes a new one), and Pag-IBIG at 2% on up to ₱10,000. Income tax uses the 2023-onwards rates (0% up to ₱250,000 a year, then 15% to 35%), and 13th month pay and other benefits are tax-free up to ₱90,000. Minimum wage earners, who are exempt from income tax, and de minimis benefits are not modelled separately.
With the default inputs, the monthly take-home pay is ₱26,542.50. Change any value above to recalculate instantly.
How to use the philippines salary calculator
- 1Enter your monthly basic salary.
- 2Add any fixed taxable allowances paid every month.
- 3Keep 13th month pay on and add other yearly bonuses for the annual view.
- 4Read your monthly take-home pay and the contribution breakdown.
- 5Check the yearly tax and net pay including bonuses.
Formula and method
Employee SSS is 5% of the monthly salary credit (MSC), found by rounding compensation to the nearest ₱500 between ₱5,000 and ₱35,000. PhilHealth is 5% of basic salary (with a ₱10,000 floor and ₱100,000 ceiling) shared equally, so the employee pays 2.5%. Pag-IBIG is 2% of salary up to the ₱10,000 maximum fund salary, or ₱200 a month at most.
These mandatory contributions are excluded from taxable compensation. Withholding tax applies the TRAIN graduated rates — 0% to ₱250,000, 15% to ₱400,000, 20% to ₱800,000, 25% to ₱2 million, 30% to ₱8 million and 35% above — to annualised taxable pay, divided over 12 months. Thirteenth month pay and other benefits are exempt up to ₱90,000 a year; any excess is taxed at year-end.
- MSC
- SSS monthly salary credit (₱5,000 – ₱35,000)
- Taxable
- Monthly taxable compensation after mandatory contributions
- ₱90,000
- Annual tax exemption for 13th month pay and other benefits
Worked examples
₱30,000 basic salary
SSS is 5% of the ₱30,000 MSC (₱1,500), PhilHealth 2.5% (₱750) and Pag-IBIG the ₱200 maximum, leaving ₱27,550 taxable. Annualised that is ₱330,600: 15% of the ₱80,600 above ₱250,000 is ₱12,090 a year, or ₱1,007.50 a month, so take-home pay is ₱26,542.50.
₱18,000 basic salary — below the tax threshold
Contributions total ₱900 + ₱450 + ₱200 = ₱1,550. Taxable pay of ₱16,450 a month is ₱197,400 a year, under the ₱250,000 zero-rate band, so no tax is withheld and take-home pay is ₱16,450.
₱120,000 salary with a ₱100,000 bonus
SSS is capped at the ₱35,000 MSC (₱1,750) and PhilHealth at the ₱100,000 ceiling (₱2,500). Taxable pay is ₱115,550 a month (₱1,386,600 a year), so monthly withholding is (₱102,500 + 25% × ₱586,600) ÷ 12 = ₱20,762.50. The ₱120,000 13th month plus ₱100,000 bonus exceeds the ₱90,000 exemption by ₱130,000, raising the year’s tax to ₱281,650.
Frequently asked questions
How much is the SSS contribution in 2026?+
The SSS contribution rate is 15% of your monthly salary credit: 5% from the employee and 10% from the employer, plus a ₱10 or ₱30 employees’ compensation premium paid by the employer. The MSC ranges from ₱5,000 to ₱35,000, so the employee share is ₱250 to ₱1,750 a month.
How is PhilHealth computed?+
PhilHealth premiums are 5% of monthly basic salary, with a floor of ₱10,000 and a ceiling of ₱100,000, shared equally by employer and employee. An employee earning ₱30,000 pays ₱750 a month; the maximum employee share is ₱2,500.
How much is the Pag-IBIG contribution?+
Since February 2024 the maximum fund salary is ₱10,000. Employees earning over ₱1,500 contribute 2% (up to ₱200 a month), and employers also contribute 2% (up to ₱200). Members can voluntarily save more.
What are the income tax rates in the Philippines?+
From 2023 onwards annual taxable income up to ₱250,000 is tax-free; the excess is taxed at 15% to ₱400,000, 20% to ₱800,000, 25% to ₱2 million, 30% to ₱8 million and 35% above ₱8 million, with cumulative fixed amounts at each step.
Is 13th month pay taxable?+
13th month pay and other benefits such as bonuses and productivity incentives are exempt from income tax up to a combined ₱90,000 per year. Only the amount above ₱90,000 is added to taxable compensation.
Are minimum wage earners taxed?+
No. Statutory minimum wage earners are exempt from income tax on their minimum wage, holiday pay, overtime, night differential and hazard pay. They still pay SSS, PhilHealth and Pag-IBIG contributions.
Tax results are estimates based on published rules and simplified assumptions. They are not tax advice — check official guidance or a tax professional for your situation.