Take-Home Pay Calculator Philippines
Estimate your monthly take-home pay in the Philippines after common payroll deductions such as withholding tax, SSS, PhilHealth, and Pag-IBIG. Use this calculator to compare gross salary against estimated net pay and understand where your deductions come from.
Salary details
The slider covers ₱0–₱200,000. Type an amount for higher salaries.
The standard split applies to regular employed members: the premium is computed on monthly basic salary and shared equally with the employer. Self-paying members, kasambahays, and qualified PWDs and solo parents follow different payment rules. They are not calculated here.
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Minimum-wage earners: This calculator does not separately apply the income-tax exemption for statutory minimum-wage pay and related exempt pay (holiday pay, overtime pay, night shift differential, and qualifying hazard pay). If you are a minimum-wage earner, your actual withholding tax may be lower than this estimate. Other taxable compensation can still be taxed. Check your payslip or ask your payroll team. How minimum-wage exemptions work
Compare salary levels
Monthly net · tap to applyEstimated monthly take-home pay at common salary levels after all mandatory deductions.
How take-home pay is computed
Your take-home pay is your gross salary minus four mandatory deductions. Three are government contributions — SSS, PhilHealth, and Pag-IBIG — and the fourth is withholding tax, which is computed on what is left after those contributions.
Because the contributions lower your taxable income, the order matters: contributions are deducted first, then withholding tax is applied to the reduced amount, and the remainder is your net pay.
The four deductions
Each deduction follows its own schedule and ceiling. Here is what comes out of a private employee's payslip.
SSS
Social Security System contributions are based on your monthly salary credit, currently capped at ₱35,000. The employee pays 5% and the employer pays 10%.
PhilHealth
The national health insurance premium is 5% of your monthly salary, split equally with your employer, within an income floor of ₱10,000 and a ceiling of ₱100,000.
Pag-IBIG
The Home Development Mutual Fund contribution is 2% of monthly pay, computed on a maximum of ₱10,000 — so the mandatory employee share tops out at ₱200 per month.
Example: a ₱35,000 monthly salary
Here is how the deductions stack up for a private employee earning ₱35,000 per month.
Contribution amounts depend on the current SSS, PhilHealth, and Pag-IBIG schedules and may be rounded differently by your employer's payroll system.
Tips for managing your take-home pay
- Mandatory contributions lower your taxable income, so a higher contribution can slightly reduce your withholding tax.
- The 13th-month pay and other bonuses up to ₱90,000 per year are tax-exempt and are not part of this monthly estimate.
- If you are paid semi-monthly, the calculator's Per payday view shows half of the estimated monthly take-home pay. Your employer may distribute deductions differently between paydays or calculate withholding tax using the BIR semi-monthly table, so your actual per-payday amount may differ.
- Salary increases can push you into a higher tax bracket, so your take-home rate may drop as your gross rises.
- Check your payslip against this estimate — large differences may point to taxable allowances or company-specific rules.
This calculator provides estimates for planning purposes only. Actual deductions depend on the current SSS, PhilHealth, and Pag-IBIG schedules, your exact salary bracket, taxable allowances, and your employer's payroll rules. Always check your official payslip.