Income Tax Calculator Philippines 2026

Income Tax Calculator Philippines 2026 (Employees)

How much income tax will you pay this year? Enter your monthly salary, your 13th month pay and any other taxable pay to estimate your yearly BIR income tax under the TRAIN tax table. See your taxable income, the tax due, the average monthly tax and whether the tax already withheld from your payslips looks too high or too low.

Last updated October 26, 2026. Free, no sign-up, and your numbers stay in your browser.

How to use this calculator

Type your monthly basic salary and the number of months you worked this year.
Enter your 13th month pay and other bonuses. The calculator keeps the first ₱90,000 tax-exempt.
Add any other taxable pay, such as commissions, and the tax already withheld on your payslips if you know it.
Read your yearly tax, your taxable income and the monthly average.
Compare the result with your payslips to see if you may be due a refund or a balance.

Understanding income tax for Filipino employees

Most Filipino employees never file their own income tax return because the employer withholds tax every payday and files the year-end adjustment. That convenience hides how the tax is built, which makes it hard to plan a raise, a bonus or a job change.

This calculator subtracts your SSS, PhilHealth and Pag-IBIG contributions, applies the ₱90,000 exemption to your 13th month pay and benefits, and runs the rest through the TRAIN table. It shows your taxable income, the tax due and the average monthly tax, so you can see what a higher salary really adds to your take-home.

For the month-by-month view, use the take-home pay calculator. If you earn from clients, compare the freelancer tax options, and plan your bonus with the 13th month pay calculator.

How the yearly income tax estimate works

Gross pay is your yearly basic salary plus bonuses and other taxable pay.
SSS, PhilHealth and Pag-IBIG employee contributions are subtracted, and so is the part of your 13th month pay and benefits within the ₱90,000 exempt limit.
The remaining taxable income runs through the TRAIN table: the first ₱250,000 is not taxed, then rates climb from 15% up to 35% on higher bands.
The result is a yearly estimate. Your employer withholds tax each payday and adjusts it at year end.

Tips to save more

Check your payslips against this estimate once a year, ideally before the year-end adjustment.
Keep your 13th month pay and benefits within the exempt limit when you plan bonuses.
Track side income separately because it may need its own return.
Use a tax refund as savings first, then plan big purchases around sale days.

Frequently asked questions

How is income tax computed in the Philippines?

Take your taxable income for the year, which is gross pay minus mandatory contributions and exempt benefits, then apply the graduated tax table. Income up to ₱250,000 a year is not taxed, and higher bands carry higher rates.

Is my 13th month pay taxable?

It is exempt up to ₱90,000 together with other bonuses and benefits for the year. Only the amount above that limit is added to your taxable income.

Why is the tax on my payslips different from this estimate?

Employers withhold tax using their own projection and rounding, and your pay may change during the year. The year-end adjustment settles the difference, so use this tool as a planning check.

Do minimum wage earners pay income tax?

Minimum wage earners are exempt from income tax on their statutory minimum wage and certain related pay. Tick the box to see a zero tax result.

Can I get a tax refund?

If your employer withheld more than your final tax due, the excess is usually refunded or credited through the year-end adjustment. Enter the tax withheld to see the gap.

Helpful guides and deals

More free tools

Take-Home Pay Calculator Net salary after SSS, PhilHealth, Pag-IBIG and tax 13th Month Pay Calculator Estimate your December bonus and the taxable part Freelancer Tax Calculator (8% vs Graduated) Compare the 8% option with graduated rates

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.