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.
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Monthly net · tap to applyEstimated monthly take-home pay at common salary levels after all mandatory deductions.
How take-home pay is computed
Your take-home pay is your gross salary minus four mandatory deductions. Three are government contributions — SSS, PhilHealth, and Pag-IBIG — and the fourth is withholding tax, which is computed on what is left after those contributions.
Because the contributions lower your taxable income, the order matters: contributions are deducted first, then withholding tax is applied to the reduced amount, and the remainder is your net pay.
The four deductions
Each deduction follows its own schedule and ceiling. Here is what comes out of a private employee's payslip.
SSS
Social Security System contributions are based on your monthly salary credit, currently capped at ₱35,000. The employee pays 5% and the employer pays 10%.
PhilHealth
The national health insurance premium is 5% of your monthly salary, split equally with your employer, within an income floor of ₱10,000 and a ceiling of ₱100,000.
Pag-IBIG
The Home Development Mutual Fund contribution is 2% of monthly pay, computed on a maximum of ₱10,000 — so the mandatory employee share tops out at ₱200 per month.
Example: a ₱35,000 monthly salary
Here is how the deductions stack up for a private employee earning ₱35,000 per month.
Contribution amounts depend on the current SSS, PhilHealth, and Pag-IBIG schedules and may be rounded differently by your employer's payroll system.
Tips for managing your take-home pay
- Mandatory contributions lower your taxable income, so a higher contribution can slightly reduce your withholding tax.
- The 13th-month pay and other bonuses up to ₱90,000 per year are tax-exempt and are not part of this monthly estimate.
- If you are paid semi-monthly, your payslip usually splits each deduction in half across the two paydays.
- Salary increases can push you into a higher tax bracket, so your take-home rate may drop as your gross rises.
- Check your payslip against this estimate — large differences may point to taxable allowances or company-specific rules.
This calculator provides estimates for planning purposes only. Actual deductions depend on the current SSS, PhilHealth, and Pag-IBIG schedules, your exact salary bracket, taxable allowances, and your employer's payroll rules. Always check your official payslip.