Free Tool
Take-Home Pay Calculator
Enter your gross monthly salary and see what actually lands in your account — with every deduction itemised. This is the number you should budget on, and the one nobody explains before your first payday.
| Gross basic salary | ₱0 |
| SSS 5% of Monthly Salary Credit (employee share) | ₱0 |
| PhilHealth 2.5% of basic salary (employee share) | ₱0 |
| Pag-IBIG 2%, capped at ₱200 | ₱0 |
| Withholding tax Graduated rates (TRAIN) | ₱0 |
| Non-taxable allowances | ₱0 |
| Net take-home | ₱0 |
What each deduction actually is
SSS (Social Security System) — your contributions to state pension, sickness, maternity, disability, and unemployment benefits. For 2026 the total rate is 15% of your Monthly Salary Credit, split so that you pay 5% and your employer pays 10%. The MSC is capped at ₱35,000, so above that salary your SSS deduction stops rising. Important: SSS works off a bracketed table in ₱500 steps, so the calculator rounds your salary to the nearest bracket — your payslip may differ by a few pesos.
PhilHealth — national health insurance. The 2026 premium is 5% of monthly basic salary, split equally: you pay 2.5%, your employer pays 2.5%. There's a floor of ₱10,000 and a ceiling of ₱100,000, so if you earn ₱10,000 or less your employee share is ₱250, and it stops increasing once you pass ₱100,000.
Pag-IBIG (HDMF) — the national savings and housing fund, and the smallest deduction on your payslip. You contribute 2% of monthly compensation, but the fund salary is capped at ₱10,000 — so anyone earning ₱10,000 or more pays a flat ₱200. Your employer matches it. This one is genuinely yours: you can borrow against it and withdraw it at maturity.
Withholding tax — income tax your employer remits to the BIR on your behalf. Under the TRAIN law the first ₱250,000 of annual taxable income is exempt, and your three contributions above are deducted before tax is computed. This is why many entry-level earners in the Philippines pay little or no income tax at all — and why tax is often the smallest of the four lines, not the biggest.
Reading an offer properly
Your take-home is only part of the comparison. Two offers with the same gross are not equal once you add:
• Night differential — legally required for hours worked between 10PM and 6AM. On a permanent graveyard shift this is significant, not a rounding error.
• Allowances — rice, meal, and transport allowances within de minimis limits are not taxed, which makes them worth more per peso than an equivalent raise in basic salary. That's why the calculator adds them after tax.
• HMO — ask whether it starts Day 1 and whether dependents are covered. It has real peso value even though it never appears on your payslip.
• 13th month pay — a legal requirement for rank-and-file employees, and tax-exempt up to the statutory cap. Effectively an extra month of basic pay each year.
The full method for researching what a role should pay — and the scripts for the "expected salary" question — is in the salary guide.
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🚨 Job Offer Scam Checker
Answer a few questions about an offer you've received and get a clear risk assessment, based on the 12 red flags and Philippine law.