Take-Home Pay Calculator Philippines 2026

How to use this calculator

Type your monthly basic salary, before any deductions, in the salary box.
Tick the minimum wage earner box only if your salary is the statutory minimum wage, since that income is exempt from income tax.
Read the big number at the top. That is your estimated take-home pay per month, with the per-cutoff amount underneath.
Scroll the breakdown to see your SSS, PhilHealth, Pag-IBIG and withholding tax, and the percentage of your salary that goes to deductions.
Change the salary to test a raise, a new job offer or a different pay level, and the result updates instantly.

What is take-home pay in the Philippines?

Take-home pay is the money that actually reaches your account after your employer deducts your government contributions and withholding tax. Two job offers with the same salary can leave you with different amounts depending on the contribution brackets they fall into, so comparing take-home pay is smarter than comparing the headline salary.

This calculator works out your SSS, PhilHealth and Pag-IBIG employee shares, subtracts them to find your taxable income, and applies the BIR TRAIN tax table. It then shows your net pay per month and per cutoff, which helps you plan rent, bills, savings and sale-day spending around real numbers.

Once you know your net pay, try the 50/30/20 budget planner to split it into needs, wants and savings, or use the 13th month pay calculator to plan your December bonus.

How this take-home pay estimate works

SSS: the employee share is 5% of your Monthly Salary Credit (MSC). The MSC is your salary rounded to the nearest ₱500, with a floor of ₱5,000 and a ceiling of ₱35,000.
PhilHealth: the premium is 5% of your monthly basic salary, split equally between you and your employer, with a salary floor of ₱10,000 and a ceiling of ₱100,000.
Pag-IBIG: the employee share is 2% of your monthly compensation, capped at a ₱10,000 base, so the most you contribute is ₱200 per month.
Withholding tax: your taxable income is your salary minus the three contributions above. It is annualized and run through the BIR TRAIN tax table, then divided by 12.

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

Compare job offers by net pay per cutoff, not by salary alone.
Set your savings goal as a fixed amount on payday so it leaves your account before you can spend it.
Check your payslip against this estimate once. If the numbers differ a lot, ask HR to explain each line.
Plan big purchases around payday and sale days, and use the voucher stacking calculator to lower the price.

Frequently asked questions

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

Start with your monthly basic salary, subtract your employee share of SSS, PhilHealth and Pag-IBIG, then subtract withholding tax on the remaining taxable income. This calculator does all four steps and shows the result per month and per cutoff.

Is the result my exact payslip amount?

It is an estimate. Your payslip can differ because of allowances, overtime, late or absence deductions, loans, HMO or company-specific deductions and how your employer rounds contributions. Use it for planning and confirm exact figures with your employer or the agencies.

Are minimum wage earners taxed?

Minimum wage earners are exempt from income tax on their statutory minimum wage, so tick the minimum wage box and the tax line becomes zero. Contributions still apply.

Is the 13th month pay included in this estimate?

No. This tool estimates regular monthly pay. Use the 13th month pay calculator for the December bonus, which is tax-exempt up to ₱90,000 together with other benefits.

How often do the rates change?

Contribution tables and tax brackets are updated by SSS, PhilHealth, Pag-IBIG and the BIR from time to time. We show the rules the calculator uses on this page, so check the official agency pages if your employer follows a newer schedule.

Helpful guides and deals

More free tools

13th Month Pay Calculator Estimate your December bonus and the taxable part Savings Goal Calculator How much to save each month, plus the 52-week challenge Loan Amortization Calculator Monthly payment, total interest and a payment schedule

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.