Take-Home Pay Calculator Philippines
Estimate your monthly take-home pay in the Philippines after common payroll deductions such as withholding tax, SSS, PhilHealth, and Pag-IBIG. Use this calculator to compare gross salary against estimated net pay and understand where your deductions come from.
Updated March 16, 2026
Estimated Monthly Take-Home Pay
₱30,066.67
Total deductions: 14.10% of gross
Enter your monthly salary before deductions.
Deduction Breakdown
- – Less: Withholding Tax
- (₱2,208.33)
- – Less: SSS
- (₱1,750.00)
- – Less: PhilHealth
- (₱875.00)
- – Less: Pag-IBIG
- (₱100.00)
Based on TRAIN Law tax brackets, 2025 SSS table, current PhilHealth rate (5%), and standard Pag-IBIG rules.
This estimate shows standard monthly deductions based on the assumptions currently used by the calculator.
How Gross Salary Turns Into Take-Home Pay
Your take-home pay is your salary after common deductions are subtracted. This breakdown helps show where the difference between gross pay and net pay comes from.
This is the core paycheck breakdown most employees want to understand at a glance.
Why Your Gross Pay Is Different From Your Net Pay
Gross pay is your salary before deductions. Net pay, or take-home pay, is what remains after common mandatory deductions are taken out. Even if your gross salary stays the same, your estimated take-home pay will be lower because payroll deductions reduce the amount you actually receive.
- withholding tax reduces pay based on taxable income
- SSS is a mandatory employee contribution
- PhilHealth is a mandatory health insurance contribution
- Pag-IBIG is a mandatory savings contribution
- total deductions reduce the amount that becomes net pay
What This Calculator Includes and Does Not Include
This estimate is designed to show the most common payroll deductions used in a standard salary scenario. It does not replace your employer's actual payroll system or full payslip.
Includes
- estimated withholding tax
- estimated SSS employee share
- estimated PhilHealth employee share
- estimated Pag-IBIG employee share
- total deductions
- estimated monthly take-home pay
Does not include
- employer-specific deductions
- salary loans
- allowances
- overtime
- bonuses
- commissions
- voluntary deductions
- special payroll adjustments
Because of these exclusions, your actual payslip may differ from the estimate.
Why Your Actual Payslip May Be Different
Your actual payslip may differ from this estimate for several reasons.
- employer payroll systems may use more detailed inputs
- taxable income may differ from the gross salary used in a simple estimate
- loans or company-specific deductions may be applied
- bonuses or variable pay may affect deductions
- payroll timing, rounding, or special treatments may vary
Want to Check One Deduction at a Time?
If you want to understand one payroll deduction more closely, use the matching calculator or reference page below.