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Net Pay Calculator
Your real monthly take-home, after SSS, PhilHealth, Pag-IBIG, and BIR income tax — with every contribution shown line-by-line so you know where your peso went.
Your pay
Take-home pay
Monthly net
₱26,542.50/mo
₱345,053 /yr (×13)
Breakdown
- Gross
- ₱30,000
- SSS (employee)
- −₱1,500
- PhilHealth (employee)
- −₱750.00
- Pag-IBIG (employee)
- −₱200
- Monthly taxable
- ₱27,550.00
- BIR tax (monthly)
- −₱1,007.50
- Monthly net
- ₱26,542.50
- Annual net
- ₱345,053
Brackets as of 2026-05-18
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How it works
The calculator subtracts the four mandatory PH contributions from your gross monthly basic pay in order — SSS (5% of your Monthly Salary Credit), PhilHealth (2.5% of basic salary, with floor and ceiling), then Pag-IBIG (1–2%, capped at ₱200). What remains is your monthly taxable income. We multiply that by 12 to get annual taxable, apply the TRAIN graduated brackets to find annual BIR tax, then divide by 12 for the monthly withholding. Net pay = monthly taxable − monthly BIR + any non-taxable allowance.
§ 03
Frequently asked questions
How is my take-home pay calculated in the Philippines?
Net pay is gross monthly basic pay minus four mandatory deductions: SSS (5% of your Monthly Salary Credit), PhilHealth (2.5% of monthly basic salary, capped between ₱250 and ₱2,500), Pag-IBIG (1–2% of Monthly Fund Salary, capped at ₱200), and BIR income tax (graduated TRAIN brackets on your annual taxable income). The calculator above applies all four in order.
Why does my actual payslip show different SSS or PhilHealth amounts?
Two reasons. First, the calculator uses the latest published schedules (SSS 2025-01 onward, PhilHealth UHC 5%, Pag-IBIG Feb 2024). If your employer is still on an older schedule, payslips lag. Second, the calculator handles only the regular employee share. Loan deductions, salary advances, or company-specific items aren't part of it.
Is the first ₱250,000 of annual income really tax-free?
Yes. Under the TRAIN Law (RA 10963), Phase 2 brackets effective January 2023 onward, annual taxable income up to ₱250,000 has a 0% BIR rate. Minimum-wage earners are also tax-exempt under RA 9504 — but if you're under ₱250K annual taxable, the bracket math already lands you at zero tax.
What's the difference between gross, taxable, and net?
Gross is your full monthly basic salary before any deductions. Taxable income is gross minus mandatory contributions (SSS + PhilHealth + Pag-IBIG). Net (take-home) is taxable minus BIR withholding tax, plus any non-taxable allowances passed through. Non-taxable allowances don't reduce your BIR but they do show up in your pocket.
Does the calculator account for 13th-month pay?
Yes — checking 'Include 13th-month pay' annualizes your net at 13× the monthly figure instead of 12×. Under current BIR rules, the 13th-month and other bonuses are tax-exempt up to a combined ₱90,000/year, so this calculator treats the 13th-month as a clean pass-through.
Does this save or transmit my salary data?
No. All math runs in your browser. We don't collect, store, or transmit your inputs. Close the tab and the values disappear.
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Sources & references
From official issuer, regulator, and data-provider sites. Verify any figure against the primary source before acting on it.