How this salary calculator works
Enter your monthly basic salary and the calculator shows your mandatory government contributions, your withholding tax and your net (take-home) pay. It uses the contribution rates in effect for 2026.
SSS contribution
SSS contributions are 15% of your Monthly Salary Credit (MSC): 5% is deducted from your pay and 10% is paid by your employer. The MSC is your salary rounded into ₱500 brackets, from a minimum of ₱5,000 to a maximum of ₱35,000. The part of your MSC above ₱20,000 goes to your MPF (Mandatory Provident Fund) savings. Employers also pay a small Employees' Compensation (EC) premium of ₱10 or ₱30.
PhilHealth contribution
PhilHealth premium is 5% of your monthly basic salary, split equally between you and your employer. Salaries below ₱10,000 are computed as ₱10,000, and salaries above ₱100,000 are capped at ₱100,000, so the total premium ranges from ₱500 to ₱5,000.
Pag-IBIG contribution
Employees earning ₱1,500 or less contribute 1%; everyone else contributes 2%. Employers contribute 2%. Contributions are computed on a maximum salary of ₱10,000, so the usual maximum is ₱200 each.
Withholding tax
Under the TRAIN law, annual taxable income up to ₱250,000 (about ₱20,833 a month) is tax-free. Taxable income is your salary minus your share of SSS, PhilHealth and Pag-IBIG. Minimum wage earners are exempt from income tax.
Results are estimates for regular private-sector employees. Your payslip may differ because of allowances, overtime, absences or company policy. Always check the latest official tables from SSS, PhilHealth, Pag-IBIG and the BIR.