PhilHealth Contribution Calculator 2026
As of 2026, the PhilHealth premium is 5% of your monthly basic salary, with an income floor of ₱10,000 and a ceiling of ₱100,000 — so the premium runs from ₱500 to ₱5,000 per month. Employed members share it equally with their employer (2.5% each); self-earning members and OFWs pay the full 5% as direct contributors.
Updated:
PhilHealth Contribution Calculator
Premium is 5% of monthly basic salary, floor ₱10,000 / ceiling ₱100,000.
Embed this calculator on your website
Free for any site — HR blogs, review centers, cooperatives. Paste this HTML where the calculator should appear; it keeps following the official rates on its own.
<iframe src="https://aytool.com/embed/philhealth-contribution/" title="PhilHealth Contribution Calculator 2026 – AyTool" width="100%" height="760" style="max-width:720px;border:0" loading="lazy"></iframe>
<p><a href="https://aytool.com/philhealth-contribution/">PhilHealth Contribution Calculator 2026</a> by AyTool</p>More widgets: all free calculator widgets.
On this page (7 sections)
PhilHealth Contribution Table 2026
| Monthly Basic Salary | Premium Base | Total Premium (5%) | Employee Share | Employer Share |
|---|---|---|---|---|
| ₱10,000 and below | ₱10,000 (floor) | ₱500.00 | ₱250.00 | ₱250.00 |
| ₱15,000.00 | ₱15,000.00 | ₱750.00 | ₱375.00 | ₱375.00 |
| ₱20,000.00 | ₱20,000.00 | ₱1,000.00 | ₱500.00 | ₱500.00 |
| ₱25,000.00 | ₱25,000.00 | ₱1,250.00 | ₱625.00 | ₱625.00 |
| ₱30,000.00 | ₱30,000.00 | ₱1,500.00 | ₱750.00 | ₱750.00 |
| ₱40,000.00 | ₱40,000.00 | ₱2,000.00 | ₱1,000.00 | ₱1,000.00 |
| ₱50,000.00 | ₱50,000.00 | ₱2,500.00 | ₱1,250.00 | ₱1,250.00 |
| ₱60,000.00 | ₱60,000.00 | ₱3,000.00 | ₱1,500.00 | ₱1,500.00 |
| ₱80,000.00 | ₱80,000.00 | ₱4,000.00 | ₱2,000.00 | ₱2,000.00 |
| ₱100,000 and above | ₱100,000 (ceiling) | ₱5,000.00 | ₱2,500.00 | ₱2,500.00 |
Any salary between the floor and ceiling follows the same 5% formula — the calculator above gives the exact figure for your salary. Direct contributors (self-earning, OFW) pay the "Total Premium" column in full.
Income Floor and Ceiling
The premium is never computed on less than ₱10,000 or more than ₱100,000 of monthly income. Earning ₱7,000? Your premium base is still ₱10,000 (premium ₱500). Earning ₱150,000? Your base is capped at ₱100,000 (premium ₱5,000). "Monthly basic salary" excludes commissions, overtime, allowances, 13th month pay and bonuses.
Employee and Employer Sharing
For employed members — private and government, including sea-based OFWs — the premium is split equally: 2.5% deducted from your payroll, 2.5% added by your employer. Your payslip deduction should be exactly half of the total premium.
Self-Paying and Direct Contributors
Self-earning individuals, professional practitioners and land-based OFWs pay the premium "wholly and individually" — the full 5%. PhilHealth allows monthly, quarterly, semi-annual or annual payment. Pay only through the official PhilHealth website and its accredited collecting partners.
Example Computations
Example 1 — Employee at ₱18,500: premium = 5% × ₱18,500 = ₱925. You pay ₱462.50, your employer pays ₱462.50.
Example 2 — Freelancer declaring ₱35,000: premium = 5% × ₱35,000 = ₱1,750, paid in full by you (can be paid ₱5,250 per quarter).
Example 3 — Employee at ₱120,000: base capped at ₱100,000 → premium ₱5,000. You pay ₱2,500, your employer pays ₱2,500.
Official Source
Based on PhilHealth Circular 2020-0005 (Rev. 1) under RA 11223; PhilHealth Advisory 2026-0042 (5% for CY 2026), last verified August 19, 2026 against PhilHealth Advisory No. 2026-0042 (philhealth.gov.ph) and PhilHealth Circular 2020-0005 (Rev. 1). For payments, member records and the Konsulta program, use the official PhilHealth portal — AyTool is independent and cannot access your PhilHealth records.
Frequently Asked Questions
How much is the PhilHealth contribution in 2026?
The PhilHealth premium in 2026 is 5% of your monthly basic salary, with an income floor of ₱10,000 and a ceiling of ₱100,000. The minimum premium is ₱500 per month and the maximum is ₱5,000. Employed members split it 50/50 with their employer; direct contributors pay the full amount.
How do I compute my PhilHealth contribution?
Multiply your monthly basic salary by 5%, after applying the floor and ceiling. Example: ₱25,000 salary × 5% = ₱1,250 total premium; an employed member pays half (₱625) and the employer pays the other half. A salary of ₱8,000 uses the ₱10,000 floor, so the premium is ₱500.
Did PhilHealth increase the contribution rate for 2026?
No. The 5% rate with a ₱100,000 ceiling is the final tier scheduled under the Universal Health Care Act (RA 11223) and has applied since 2025. PhilHealth confirmed the same 5% schedule for 2026.
How do self-employed members pay PhilHealth?
Self-earning members are direct contributors: they pay the full 5% of their declared monthly income themselves (floor ₱10,000 / ceiling ₱100,000). Payment can be made monthly, quarterly, semi-annually, or annually through official PhilHealth channels.
Who pays the PhilHealth premium of a kasambahay?
If a kasambahay (domestic worker) earns less than ₱5,000 per month, the household employer shoulders the entire premium under the Kasambahay Law (RA 10361). At ₱5,000 or more, the kasambahay pays their proportionate share.
Magkano ang kaltas sa PhilHealth kung ₱25,000 ang sahod ko?
The 2026 premium is 5% of ₱25,000 = ₱1,250 per month. For employed members it is split equally: ₱625 is deducted from your salary and your employer pays the other ₱625.
Magkano ang maximum na PhilHealth contribution sa 2026?
The premium is computed on a salary ceiling of ₱100,000, so the maximum is 5% × ₱100,000 = ₱5,000 per month — ₱2,500 employee share and ₱2,500 employer share. Anyone earning above ₱100,000 pays the same ₱2,500.
Related Philippine Payroll Calculators
- Take-Home Pay Calculator Net salary after SSS, PhilHealth, Pag-IBIG and withholding tax — full breakdown.
- SSS Contribution Calculator Compute your monthly SSS contribution from your salary and member type.
- Pag-IBIG Contribution Calculator & Table 2026 Pag-IBIG (HDMF) monthly savings: rates, ceiling and employer share.
- 13th Month Pay Calculator Compute your 13th month pay — simple mode or exact month-by-month mode.