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Take-home pay calculator Philippines

Enter your monthly basic salary and see what you actually receive after the three mandatory contributions and withholding tax.

It uses the SSS schedule in force since January 2025, the PhilHealth premium of 5% and the Pag-IBIG rates from Circular No. 460.

How it's calculated

  1. SSS: your salary is matched to a monthly salary credit between ₱5,000 and ₱35,000, and you pay 5% of it.
  2. PhilHealth: 5% of your basic salary, counted from ₱10,000 up to ₱100,000. You pay half and your employer pays the other half.
  3. Pag-IBIG: 2% of your salary up to ₱10,000, so the most you pay is ₱200 a month.
  4. Withholding tax: your three contributions come off first. The rest is taxed with the graduated rates of the Tax Code, worked out for the year and divided by 12.

An example

On ₱30,000 a month you pay ₱1,500 to SSS, ₱750 to PhilHealth and ₱200 to Pag-IBIG. Withholding tax is ₱1,007.50, so your take-home pay is ₱26,542.50.

Frequently asked questions

Are SSS, PhilHealth and Pag-IBIG taken off before tax?

Yes. Your share of the three contributions is not taxable, so withholding tax is computed on your pay after them. This is set in Revenue Regulations No. 8-2018.

Do minimum wage earners pay income tax?

No. The statutory minimum wage is exempt from income tax, and so are the holiday pay, overtime pay, night shift differential and hazard pay of a minimum wage earner.

Why is my SSS deduction higher than 5% of my salary?

SSS does not use your exact salary. It uses the monthly salary credit of your bracket, which can be up to ₱249.99 above your pay. Above ₱20,000 of credit, the extra goes to your MySSS Pension Booster account.

Is the 13th month pay included?

No. This shows a regular month. Your 13th month pay and other benefits are tax-free up to ₱90,000 a year in total.

Key terms

Monthly salary credit (MSC)
The amount SSS uses to compute your contribution and benefits, set by the bracket your pay falls in.
Withholding tax
The income tax your employer deducts from each payslip and pays to the BIR for you.
MPF
Mandatory Provident Fund, now called MySSS Pension Booster. It receives the contributions on salary credits above ₱20,000.

The same calculation in other countries

Up-to-date official data

Data checked against the official source on .

We check the official sources automatically, every day.

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