13th Month Pay Calculator Philippines 2026

Your 13th month pay is one of the biggest chances to save or spend smart this year. Enter your monthly basic salary and months worked to estimate the amount, then see how much falls under the ₱90,000 tax-exempt limit. Plan it before the 11.11, Black Friday and 12.12 sales so every peso goes further.

How to use this calculator

Enter your monthly basic salary. Leave out overtime, allowances and commissions unless your contract counts them as basic pay.
Pick how many months you have worked this year. Choose 12 if you were employed the whole year.
Add any basic pay you lost to unpaid leave or absences, so the total reflects what you actually earned.
Optionally add other bonuses and benefits received this year to check the ₱90,000 tax-exempt limit.
Read your estimated 13th month pay at the top, then check the rows below for any amount that goes over the limit.

How much is my 13th month pay?

Your 13th month pay is the total basic salary you earned during the calendar year divided by 12. If you worked the whole year at the same salary, it equals one month of pay. If you joined mid-year, you receive a pro-rated amount based on the months you worked.

Employers must pay it on or before December 24, and it is exempt from income tax up to ₱90,000 when combined with other bonuses and benefits. This calculator shows your estimate and tells you if any part goes over the limit.

Planning ahead pays off. Many Filipinos use the bonus for the Christmas sales, so read our 13th-month pay plan and check the 11.11 Sale and Black Friday deals before you spend.

How 13th month pay is computed

The rule: 13th month pay is the total basic salary you earned during the calendar year divided by 12.
Who gets it: rank-and-file employees who worked at least one month in the year, regardless of position or how they are paid.
When it is due: employers must release it on or before December 24.
Tax: the 13th month pay and other benefits are tax-exempt up to ₱90,000 combined. Only the amount above that limit is taxable.

Rules used: SSS 2025 schedule, PhilHealth 5% premium, Pag-IBIG 2024 cap, BIR TRAIN tax table (2023 onward). Check the official agency pages if your employer follows a newer schedule.

Tips to save more

Decide your split before the money arrives: savings first, then gifts, then a small treat.
Put the savings part in a separate account or wallet on the same day you receive the bonus.
Use sale days and the voucher stacking calculator to stretch your gift budget.
Avoid using the bonus to pay off cheap debt first. Clear the highest-interest balance, such as a credit card, before anything else.

Frequently asked questions

What is the 13th month pay formula in the Philippines?

Divide your total basic salary earned from January to December by 12. If you earned ₱25,000 each month for the full year, your 13th month pay is ₱25,000.

Do I get a pro-rated 13th month pay if I joined mid-year?

Yes. Employees who worked at least one month in the calendar year are entitled to a pro-rated amount based on the basic salary they actually earned.

Does 13th month pay include overtime, allowances or commissions?

The basis is basic salary. Items like overtime, holiday premium, night differential and most allowances are generally not part of it, unless your contract or company policy says otherwise.

Is the 13th month pay taxable?

It is exempt from income tax up to ₱90,000 when added to other bonuses and benefits for the year. The calculator shows any excess, which is the part that can be taxed.

When should I expect to receive it?

The law requires payment on or before December 24, and many employers release it in early or mid December. Check your company calendar for your exact date.

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This calculator gives estimates for planning only. It is not financial, tax or legal advice. Confirm exact figures with your employer, bank, lender or the relevant government agency.