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Take-Home Pay Calculator Philippines

Your take-home pay is your gross monthly salary minus four deductions: your employee shares of SSS, PhilHealth and Pag-IBIG contributions, and the BIR withholding tax computed on what remains. This calculator follows the standard salary computation used by Philippine payroll — the exact 2026 schedules for all four deductions — and itemizes every line.

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Take-Home Pay Calculator

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For private-sector employees paid monthly. Result updates as you type.
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On this page (8 sections)
  1. How the Salary Computation Works
  2. BIR Monthly Withholding Tax Table (2023 onwards, in force 2026)
  3. Example Computations
  4. Semi-Monthly, Daily and Hourly Equivalents
  5. Salary Computation With Absences, Overtime and Night Differential
  6. Who This Applies To
  7. Official Source
  8. Frequently Asked Questions

How the Salary Computation Works

  1. SSS: 5% of your Monthly Salary Credit (MSC ₱5,000–₱35,000), per the official schedule — max ₱1,750.
  2. PhilHealth: half of the 5% premium on basic salary (floor ₱10,000 / ceiling ₱100,000) — you pay 2.5%, max ₱2,500.
  3. Pag-IBIG: 2% of fund salary capped at ₱10,000 — max ₱200.
  4. Withholding tax: BIR's monthly table (TRAIN law, 2023-onwards schedule) applied to gross salary minus the three contributions above.

BIR Monthly Withholding Tax Table (2023 onwards, in force 2026)

Monthly Taxable IncomeWithholding Tax
₱20,833 and below₱0
₱20,833 – ₱33,33215% of excess over ₱20,833
₱33,333 – ₱66,666₱1,875 + 20% of excess over ₱33,333
₱66,667 – ₱166,666₱8,541.80 + 25% of excess over ₱66,667
₱166,667 – ₱666,666₱33,541.80 + 30% of excess over ₱166,667
₱666,667 and above₱183,541.80 + 35% of excess over ₱666,667

Example Computations

Example 1 — ₱20,000 gross: SSS ₱1,000 + PhilHealth ₱500 + Pag-IBIG ₱200 = ₱1,700. Taxable ₱18,300 → tax ₱0. Take-home: ₱18,300.

Example 2 — ₱30,000 gross: contributions ₱2,450; taxable ₱27,550 → tax ₱1,007.55. Take-home: ₱26,542.45.

Example 3 — ₱60,000 gross: SSS ₱1,750 (capped) + PhilHealth ₱1,500 + Pag-IBIG ₱200 = ₱3,450. Taxable ₱56,550 → tax ₱1,875 + 20% × ₱23,217 = ₱6,518.40. Take-home: ₱50,031.60.

The four BIR withholding tables (monthly, semi-monthly, weekly, daily), the annual rates and the year-end adjustment are on the Income Tax Calculator; for freelance or side income see the Freelancer Tax Calculator (8% vs graduated).

Semi-Monthly, Daily and Hourly Equivalents

Payroll usually pays twice a month, so each cutoff is roughly half of the monthly take-home. Employers may deduct the full SSS, PhilHealth and Pag-IBIG contributions on one cutoff or split them; the monthly total is the same either way. To convert a monthly salary to a daily rate, DOLE's formula is monthly rate × 12 ÷ factor, where the factor is the number of paid days in a year: 365 if you are paid every day including rest days and holidays, 313 for a six-day work week not paid on rest days, or 261 for a five-day week. Hourly rate = daily rate ÷ 8.

Example — ₱30,000 monthly, five-day week: daily rate = ₱30,000 × 12 ÷ 261 = ₱1,379.31; hourly rate = ₱1,379.31 ÷ 8 = ₱172.41. Semi-monthly take-home ≈ ₱26,542.45 ÷ 2 = ₱13,271.23 per cutoff.

Salary Computation With Absences, Overtime and Night Differential

The calculator takes one gross monthly figure. To match a real payslip, adjust the gross before you enter it: absences and undertime are deducted at your daily or hourly rate (daily rate = monthly × 12 ÷ factor, hourly = daily ÷ 8), while overtime, night differential and holiday premiums are added on top of basic pay. Premiums are taxable compensation, so they raise the withholding tax; SSS uses your total compensation for the month to find the salary credit, PhilHealth uses basic salary, and Pag-IBIG stays capped at ₱200. Compute the premiums first with the Overtime, Night Differential and Holiday Pay calculators, then enter the adjusted gross here.

Example — ₱20,000 monthly, five-day week, 2 days absent, 10 OT hours: daily rate ₱20,000 × 12 ÷ 261 = ₱919.54; absences −₱1,839.08; OT ₱919.54 ÷ 8 × 125% × 10 = ₱1,436.78. Adjusted gross = ₱20,000 − ₱1,839.08 + ₱1,436.78 = ₱19,597.70, which you then run through the calculator above.

Who This Applies To

Private-sector employees paid monthly, with mandatory contributions deducted through payroll. It assumes the standard graduated withholding table — not the 8% flat option for self-employed taxpayers, government GSIS deductions, de minimis benefits, or company-specific deductions (loans, HMO top-ups, tardiness). Your payslip may differ where those apply; treat this result as the statutory baseline.

Minimum wage earners pay no income tax on their statutory minimum wage (or on the holiday, overtime and night-shift pay that goes with it); the daily minimum for your region is on the 2026 minimum wage by region page.

Official Source

Withholding tax: TRAIN Law (RA 10963) — BIR Revised Withholding Tax Table, effective January 1, 2023 onwards — BIR Revised Withholding Tax Table — Annex E, RR 11-2018 (bir.gov.ph). Contribution schedules: SSS Circular 2024-006, PhilHealth Advisory 2026-0042, HDMF Circular 460 — each linked on its own calculator page. Last verified September 23, 2026.

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Frequently Asked Questions

How do I compute my take-home pay in the Philippines?

Start with your monthly gross salary, deduct your employee shares of SSS (5% of your Monthly Salary Credit), PhilHealth (2.5% of basic salary, floor ₱10,000 / ceiling ₱100,000) and Pag-IBIG (2% of fund salary, max ₱200), then apply the BIR withholding tax table to the remainder. What is left is your take-home (net) pay.

How much is the take-home pay for a ₱30,000 salary in 2026?

At ₱30,000 gross monthly: SSS ₱1,500 + PhilHealth ₱750 + Pag-IBIG ₱200 = ₱2,450 in contributions. Taxable income is ₱27,550, giving ₱1,007.55 withholding tax. Estimated take-home pay: ₱26,542.45.

What monthly salary is tax-free in the Philippines?

Under the TRAIN law, annual taxable income of ₱250,000 or less is exempt — that is monthly taxable income up to ₱20,833. Because mandatory contributions are deducted first, a gross salary of roughly ₱23,000–₱23,500 per month can still result in zero withholding tax.

Are SSS, PhilHealth and Pag-IBIG deducted before or after tax?

Before. Your mandatory contributions (employee shares only) are excluded from taxable compensation, so the withholding tax is computed on gross salary minus those contributions.

Is the 13th month pay included in this computation?

No — this calculator estimates your regular monthly net pay. The 13th month pay is a separate annual benefit, tax-exempt up to ₱90,000 combined with other benefits. Use the 13th Month Pay Calculator for that.

What is the standard salary computation in the Philippines?

Philippine payroll computes net salary in a fixed order: gross monthly salary, minus the employee shares of SSS, PhilHealth and Pag-IBIG, then BIR withholding tax on the remainder using the monthly table under the TRAIN law. Premiums such as overtime, night differential and holiday pay form part of gross pay; the 13th month pay is a separate annual computation. The calculator above follows this exact order.

How do I compute my salary with absences?

Convert your monthly salary to a daily rate — monthly × 12 ÷ 261 for a five-day week or ÷ 313 for a six-day week — and deduct one daily rate per unpaid day (and the hourly rate, daily ÷ 8, for late or undertime hours). Run the reduced gross through the calculator: at ₱20,000 with 2 days absent on a five-day week, gross becomes ₱20,000 − ₱1,839.08 = ₱18,160.92 before contributions and tax.

Does this salary calculator work for government employees?

Not exactly. Government employees contribute to GSIS instead of SSS — 9% of monthly compensation as the personal share, with 12% from the agency — so the SSS line here does not apply. PhilHealth, Pag-IBIG and the BIR withholding table are the same. Use the result as a guide and replace the SSS deduction with your GSIS premium.

Magkano ang daily rate ko kung ₱20,000 ang monthly na sahod?

Depende sa factor ng kumpanya mo: ₱20,000 × 12 ÷ 261 = ₱919.54 kung five-day week, o ₱20,000 × 12 ÷ 313 = ₱766.77 kung six-day week na walang bayad sa rest day. Hatiin sa 8 para sa hourly rate: ₱114.94 o ₱95.85.

Paano gamitin ito bilang suweldo calculator?

Ilagay ang gross monthly na suweldo mo, at ikukuwenta ng calculator ang kaltas sa SSS, PhilHealth at Pag-IBIG at ang withholding tax ayon sa 2026 na talahanayan — ang lalabas ay ang net na suweldo o take-home pay. Kung may absent, overtime o night differential, ayusin muna ang gross (bawasin ang absent, idagdag ang premium) bago ilagay.

Magkano ang take-home pay sa ₱25,000 na sahod?

Deductions: SSS ₱1,250 (5% of the ₱25,000 MSC), PhilHealth ₱625 (2.5%), Pag-IBIG ₱200 — total ₱2,075. Taxable income is ₱22,925, so withholding tax is 15% of the excess over ₱20,833 = ₱313.80. Take-home pay: ₱25,000 − ₱2,075 − ₱313.80 = ₱22,611.20.

Bakit walang tax ang ₱20,000 na sahod?

Because withholding tax is computed after the contributions: ₱20,000 minus SSS ₱1,000, PhilHealth ₱500 and Pag-IBIG ₱200 leaves ₱18,300, which is below the ₱20,833 monthly threshold (₱250,000 a year) where tax starts under the TRAIN table. Take-home pay is therefore ₱18,300.

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