Take-Home Pay Calculator
See your net monthly pay after SSS, PhilHealth, Pag-IBIG, and withholding tax.
Estimate only. Not tax advice — confirm with your employer's HR/payroll team.
Three mandatory contributions before tax
Every Philippine payslip deducts three government fund contributions before withholding tax is even calculated — and since these contributions reduce taxable income, a higher SSS or PhilHealth deduction actually lowers your tax slightly too.
| Fund | Employee rate | Salary range used |
|---|---|---|
| SSS | 5% | ₱5,000 – ₱35,000 |
| PhilHealth | 2.5% | ₱10,000 – ₱100,000 |
| Pag-IBIG (HDMF) | 2% | Up to ₱5,000 |
SSS reached its final, fully phased-in rate of 15% total (5% employee, 10% employer) in January 2025 under Republic Act 11199, after several years of gradual increases — so this rate is now stable going forward, not still climbing.
How withholding tax is calculated
The Bureau of Internal Revenue uses a Monthly Withholding Tax Table under the TRAIN Law (Republic Act 10963), unchanged since January 2023. It applies directly to your monthly taxable income — gross salary minus your SSS, PhilHealth, and Pag-IBIG contributions — no separate personal exemption exists anymore, since the ₱20,833 zero-rate band effectively serves that purpose.
| Monthly taxable income | Withholding tax |
|---|---|
| Up to ₱20,833 | 0% |
| ₱20,833 – ₱33,333 | 15% of excess over ₱20,833 |
| ₱33,333 – ₱66,667 | ₱1,875 + 20% of excess over ₱33,333 |
| ₱66,667 – ₱166,667 | ₱8,541.80 + 25% of excess over ₱66,667 |
| ₱166,667 – ₱666,667 | ₱33,541.80 + 30% of excess over ₱166,667 |
| Above ₱666,667 | ₱183,541.80 + 35% of excess over ₱666,667 |
FAQ
Is this the same table used for my 13th month pay?
No — 13th month pay has its own separate tax-exempt ceiling (₱90,000/year) rather than running through this monthly table. See our 13th Month Pay Calculator for that.
Why is my actual SSS deduction slightly different from this estimate?
SSS technically uses a Monthly Salary Credit system with specific brackets rather than a smooth percentage — this calculator approximates it as a continuous 5% rate, which is accurate to within a few pesos for most salaries but not exact to the peso.