Take-Home Pay Calculator
Estimate your monthly net pay from your gross salary — SSS, PhilHealth, and Pag-IBIG contributions and withholding tax, calculated and subtracted automatically.
This calculator provides an estimate based on your gross monthly salary and current published SSS, PhilHealth, Pag-IBIG, and BIR withholding tax rates. Actual take-home pay may vary depending on allowances, other deductions, and your employer's payroll system.
How is take-home pay calculated?
- 1Start with your gross monthly salary.
- 2Subtract your SSS, PhilHealth, and Pag-IBIG employee contributions.
- 3Apply BIR's monthly withholding tax table to what remains.
- 4What's left is your estimated take-home pay.
At a glance
| Gross Monthly Salary | Total Deductions | Estimated Take-Home Pay |
|---|---|---|
| ₱15,000 | ₱1,325.00 | ₱13,675.00 |
| ₱25,000 | ₱2,388.80 | ₱22,611.20 |
| ₱35,000 | ₱4,526.30 | ₱30,473.70 |
| ₱50,000 | ₱7,768.40 | ₱42,231.60 |
| ₱75,000 | ₱13,493.80 | ₱61,506.20 |
| ₱100,000 | ₱20,212.55 | ₱79,787.45 |
Combined SSS, PhilHealth, Pag-IBIG, and withholding tax. Use the calculator above for your own salary.
Important information
This only collects your gross salary
De minimis benefits, allowances, and the tax-exempt portion of 13th month pay/bonuses aren't factored in, since this calculator doesn't ask for them separately -- your actual take-home pay may run a little higher than this estimate.
Rates and brackets are set by law and can change
SSS, PhilHealth, Pag-IBIG, and BIR withholding tax rates are periodically revised by their governing circulars and regulations. This calculator reflects the rates in effect as of its last review — see Sources for the specific documents.
Your salary information stays in your browser
This calculator runs entirely client-side. The salary you enter is processed locally and never sent to a server, database, or third-party service.
No account or sign-in required
Use the calculator immediately — nothing is saved between visits, and there's no login, registration, or tracking required.
Frequently asked questions
Take-home pay = gross monthly salary, minus your SSS, PhilHealth, and Pag-IBIG employee contributions, minus withholding tax computed on what remains after those contributions.
Yes. It computes taxable income (gross salary minus mandatory contributions) and applies BIR's monthly withholding tax table to that amount.
Yes. It runs the same computation as the Government Contributions Calculator and subtracts the employee share of all three from your gross salary before estimating tax.
No. This calculator only collects your gross monthly salary, so it can't exclude de minimis benefits or the tax-exempt portion of 13th month pay/bonuses from taxable income. If you receive those, your actual withholding tax may be a little lower than this estimate.
This is a close estimate based on gross salary alone. Your actual payslip may differ due to additional allowances, loan deductions, tardiness/absences, or other company-specific adjustments not captured here.
It can help you understand roughly what a gross salary translates to in take-home pay, but always confirm exact figures with the employer's HR or payroll team before making decisions.
No. This tool works without signing in or creating an account.
No. Everything you enter is processed locally in your browser. Nothing is sent to a server, stored in a database, or shared with third parties.
Sources & references
This calculator combines the Government Contributions Calculator and the Withholding Tax Calculator -- every rate it uses is based on the following official sources.
- Social Security System (SSS)
SSS Circular No. 2024-006 — Revised Schedule of Contributions
The current 15% total contribution rate (10% employer / 5% employee), the ₱5,000–₱35,000 Monthly Salary Credit range, and the Employees' Compensation (EC) add-on used by this calculator.
Last reviewed: August 2026View source - Philippine Health Insurance Corporation (PhilHealth)
Premium Contribution Schedule for CY 2025 (PA2025-0002)
The 5% premium rate (2.5% employer / 2.5% employee), and the ₱10,000 floor / ₱100,000 ceiling used by this calculator, in effect through 2026 under the Universal Health Care Act.
Last reviewed: August 2026View source - Home Development Mutual Fund (Pag-IBIG / HDMF)
HDMF Circular No. 460 — Increase in the Maximum Fund Salary
The ₱10,000 Maximum Fund Salary and the 1%/2% employee, 2% employer contribution rates used by this calculator, effective February 2024.
Last reviewed: August 2026View source - Bureau of Internal Revenue (BIR)
Revenue Regulations No. 11-2018, Annex "E" — Revised Withholding Tax Table
The official daily, weekly, semi-monthly, and monthly withholding tax tables effective January 1, 2023 onwards, used directly by this calculator.
Last reviewed: August 2026View source - Bureau of Internal Revenue (BIR)
Revenue Regulations No. 11-2018 (Digest)
BIR's own summary of Revenue Regulations No. 11-2018, which amended the withholding tax rules to implement the TRAIN law (Republic Act No. 10963) — the regulatory basis for the withholding tax table this calculator uses.
Last reviewed: August 2026View source
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