Philippines take-home pay calculator

Type your monthly pay to see what reaches your account after SSS, PhilHealth, Pag-IBIG and income tax. For private-sector employees.

Your take-home pay per month₱26,542.45from ₱30,000.00 gross

Take-home 88.5%
Contributions 8.2%
Income tax 3.4%

How it is worked out

Gross pay	₱30,000.00
SSS (salary credit ₱30,000.00)	−₱1,500.00
PhilHealth (5% of ₱30,000.00, half yours)	−₱750.00
Pag-IBIG (on up to ₱10,000.00)	−₱200.00
Taxable pay	₱27,550.00
Income tax withheld	−₱1,007.55
Take-home pay	₱26,542.45

What your employer pays on top

SSS, with Employees' Compensation ₱30.00	₱3,030.00
PhilHealth	₱750.00
Pag-IBIG	₱200.00
Monthly pay plus employer contributions (13th month not included)	₱33,980.00

How your take-home pay is worked out

SSS. You pay 5% of your monthly salary credit, the 500-peso step your pay falls in, up to a credit of ₱35,000 (₱1,750). See the full table.
PhilHealth. 5% of basic salary, shared equally with your employer, on a salary between ₱10,000 and ₱100,000.
Pag-IBIG. 2% of pay up to ₱10,000, so ₱200 at most (1% if you earn ₱1,500 or less).
Income tax. Withheld on what is left, from the BIR's monthly table. The first ₱20,833 is not taxed. See the rates.

Worked example: ₱30,000 a month

SSS ₱1,500.00, PhilHealth ₱750.00 and Pag-IBIG ₱200.00 come to ₱2,450.00, leaving ₱27,550.00 taxable. Tax is 15% of the ₱6,717.00 above ₱20,833, or ₱1,007.55. You take home ₱26,542.45.

What this calculator does not include

Allowances that are not taxed, such as rice or uniform allowances within the BIR's limits. The calculator treats all pay as taxable, so these would raise your real take-home.
13th month pay and bonuses. Tax-free up to ₱90,000 a year in total. Work out your 13th month.
Minimum wage earners. The statutory minimum wage and its holiday, overtime and night pay are exempt from income tax. Check the rate for your region.
Union dues, loans and salary deductions. Union dues also lower your taxable pay; the calculator has no field for them.
Government staff, who pay GSIS instead of SSS.

Why your payslip may differ slightly

Payroll systems may round differently. If you are paid twice a month, your employer may use the semi-monthly table in the same BIR annex, so a single pay day will not always be exactly half of these figures. The BIR's monthly table and the law's annual table can differ by a few centavos, which your employer settles at year end. We use the monthly table here, as payslips do. Sources and method.