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Net Pay Calculator

A Philippine sweldo calculator for take-home pay after tax and government deductions

Updated October 2026. Based on 2024-2026 BIR tax tables, SSS, PhilHealth, GSIS, and Pag-IBIG contribution schedules.

PhilHealth
SSS/GSIS
Pag-IBIG
Income Tax

Self-employed or freelance? Use the 8% tax calculator.

Enter your monthly gross salary before any deductions

Why Choose Our Calculator?

Accurate Calculations

Uses the latest 2024-2026 tax tables and government-mandated contribution rates

All Benefits Included

Automatically calculates PhilHealth, SSS, and Pag-IBIG contributions

Detailed Breakdown

Get a complete breakdown of all deductions and your take-home pay

How this salary calculator gets to net pay

Take-home pay is monthly gross minus four employee deductions: SSS or GSIS, PhilHealth, Pag-IBIG, and withholding tax. Tax is computed after the three contributions. The peso amounts come from the same rate tables as the rest of this site, reviewed October 2026.

Private employees pay SSS. The employee share is 5% of the Monthly Salary Credit, and the credit stops rising at ₱35,000, so the employee line caps at ₱1,750. Government employees pay GSIS at 9% of monthly salary instead. Use the Employee Type switch above. Both paths still deduct PhilHealth and Pag-IBIG.

PhilHealth is 5% of monthly basic, split in half. The premium base has a floor of ₱10,000 and a ceiling of ₱100,000, so the employee share stays between ₱250 and ₱2,500. Pag-IBIG is 2% of monthly pay once salary is above ₱1,500, and it stops at ₱200 because the fund salary cap is ₱10,000.

Withholding tax uses the TRAIN Law brackets on taxable compensation. The first ₱250,000 of annual taxable income is taxed at 0%. Tax above that is graduated, from 15% up to 35%, and the annual tax is divided by 12 for the monthly line. It matches the withholding tax calculator.

Worked example: ₱30,000.00 monthly gross, private employee
LineAmount
Monthly gross₱30,000.00
SSS (employee, 5% of the salary credit)₱1,500.00
PhilHealth (employee, 2.5%)₱750.00
Pag-IBIG (employee)₱200.00
Taxable compensation₱27,550.00
Withholding tax₱1,007.50
Net take-home pay₱26,542.50
  1. SSS uses the Monthly Salary Credit. ₱30,000.00 falls on a credit of ₱30,000.00. The employee pays 5%, ₱1,500.00. The employer pays 10%, ₱3,000.00, plus ₱30.00 Employees' Compensation. Republic Act 11199 and SSS Circular No. 2024-006.
  2. PhilHealth is 5% of monthly basic, split in half. The employee pays ₱750.00 and the employer pays the same. Republic Act 11223. The base has a ₱10,000 floor and a ₱100,000 ceiling.
  3. Pag-IBIG is 2% up to the ₱10,000 fund salary, so each side pays ₱200.00. HDMF Circular No. 460.
  4. Withholding tax uses taxable compensation, which is gross minus those three employee shares: ₱27,550.00 a month, or ₱330,600.00 a year. The amount over ₱250,000 is ₱80,600.00. 15% of that is ₱12,090.00 for the year, or ₱1,007.50 a month. Republic Act 10963. A payroll system that uses the rounded monthly withholding table can differ by a few centavos.

What the employer pays on top

SSS (10% of the salary credit)₱3,000.00
Employees' Compensation₱30.00
PhilHealth (2.5%)₱750.00
Pag-IBIG₱200.00
Employer contributions₱3,980.00
Cost of employment₱33,980.00

Take-home pay is ₱26,542.50. The employer's extra cost is ₱3,980.00, so employing this person costs ₱33,980.00 a month before 13th month pay. Government pay replaces SSS with GSIS on the full calculator, and a semi-monthly cutoff can place the contributions on the first or second payout.

Read a single deduction on its own page: SSS contribution, PhilHealth contribution, Pag-IBIG contribution, and BIR withholding tax. The bracket tables sit on the contributions guide and the tax table. Where the figures come from is on Sources.

Frequently Asked Questions

What does this salary calculator deduct?+
For a private employee it subtracts the employee share of SSS, PhilHealth, and Pag-IBIG, then BIR withholding tax on what remains. Government employees use GSIS instead of SSS. A minimum wage earner pays the contributions and no income tax on the statutory wage. Employer shares are not taken from take-home pay.
Is the ₱30,000 example for a private employee?+
Yes. The worked example uses private coverage, so the social-security line is SSS. Switch Employee Type to Government on the form above to replace SSS with GSIS.
How is withholding tax estimated?+
Employee SSS or GSIS, PhilHealth, and Pag-IBIG are subtracted first. That taxable monthly pay is multiplied by 12, the TRAIN brackets are applied, and the annual tax is divided by 12. The first ₱250,000 of annual taxable income is taxed at 0%.
Is my salary stored?+
No. The calculation runs in your browser. Pinoy @ Work does not collect an account or send the amount you type to a server.

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