Philippines Take-Home Pay Calculator (2026)
Philippine take-home pay is gross pay minus SSS (5% of your monthly salary credit, up to P1,750), PhilHealth (2.5%, up to P2,500), Pag-IBIG (2%, up to P200) and withholding tax. Tax is nil on the first P250,000 a year, then 15% to 35% on pay after these contributions.
| Yearly | Monthly |
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· Calculated with AiStaffo
Tax and deduction rules (2026)
| SSS | 15% of monthly salary credit (MSC): employee 5%, employer 10% plus EC. MSC from P5,000 (pay below P5,250) to P35,000 (pay of P34,750 or more), in P500 steps. The part above P20,000 goes to the MySSS Pension Booster. |
|---|---|
| PhilHealth | 5% of monthly basic salary, shared equally (2.5% each). Floor P10,000, ceiling P100,000: employee pays P250 to P2,500 a month. |
| Pag-IBIG (HDMF) | Employee 2% (1% if pay is P1,500 or less), employer 2%, on pay up to P10,000: at most P200 each. |
| Income tax (TRAIN, from 2023) | 0% to P250,000 a year; 15% of excess to P400,000; P22,500 + 20% to P800,000; P102,500 + 25% to P2m; P402,500 + 30% to P8m; P2,202,500 + 35% above. |
| Tax-free items | SSS, PhilHealth and Pag-IBIG employee shares; 13th-month pay and other bonuses up to P90,000 a year; de minimis benefits. |
| Minimum wage earners | Exempt from income tax on their statutory minimum wage. |
Worked example
Paolo earns P30,000 a month. Deductions each month: SSS P1,500 (5% of the P30,000 salary credit), PhilHealth P750 (2.5%) and Pag-IBIG P200 (capped).
Taxable pay is P360,000 − P18,000 − P9,000 − P2,400 = P330,600 a year. Tax is 15% of the P80,600 above P250,000 = P12,090 a year (P1,007.50 a month).
Take-home pay: P318,510 a year, or P26,542.50 a month, plus 13th-month pay, tax-free up to P90,000.
13th-month pay
Every rank-and-file employee is entitled to 13th-month pay of at least one-twelfth of basic salary earned in the year, paid by 24 December. It is tax-free together with other bonuses up to P90,000 a year. This calculator shows your regular monthly pay only, so add your 13th-month pay on top.
For employers
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Please note: figures follow the published 2026 rates as checked on 21 October 2026 for a resident employee in the standard case. Tax is worked out on the yearly figure; semi-monthly withholding tables give almost the same result. Not included: 13th-month pay and bonuses, de minimis benefits, overtime and night differential, minimum wage exemption, and the employee compensation (EC) part of SSS. This is a guide, not tax advice; your payslip can differ because of tax codes, benefits and timing.
Sources
Questions people ask
How much is deducted from a P30,000 salary?
What is the maximum SSS contribution in 2026?
How much is PhilHealth in 2026?
Is my salary tax-free below P20,833 a month?
Is 13th-month pay taxed?
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