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How much of your Philippine salary actually reaches you each payday? Our free Philippines salary calculator deducts SSS, PhilHealth and Pag-IBIG contributions plus TRAIN-law withholding tax from your monthly gross salary, showing your true net pay per month, semi-monthly and per year.
How the Philippines salary calculator works
Enter your monthly gross salary. The calculator first deducts the three mandatory government contributions — SSS, PhilHealth and Pag-IBIG — using each agency’s official schedule. It then annualizes your salary net of those contributions, applies the graduated withholding tax rates from the TRAIN law (Republic Act 10963), and converts the result back to a monthly figure. Your net pay is what remains.
SSS contribution
The Social Security System contribution for 2025 is 15% of your monthly salary credit, split into a 10% employer share and a 5% employee share. The maximum monthly salary credit is ₱35,000, so the most an employee pays is ₱1,750 a month. The calculator applies 5% of your salary up to that ceiling.
PhilHealth contribution
PhilHealth charges 5% of your monthly basic salary, split evenly: 2.5% from you and 2.5% from your employer. Contributions apply between a floor of ₱10,000 and a ceiling of ₱100,000, so employees pay between ₱250 and ₱2,500 a month. The calculator uses 2.5% within those bounds.
Pag-IBIG contribution
The Home Development Mutual Fund (Pag-IBIG) takes 2% of your monthly compensation up to ₱5,000 — a maximum of ₱100 a month from the employee, matched by the employer. It is the smallest of the three deductions but it builds your housing savings.
Withholding tax under the TRAIN law
Income tax is withheld monthly using the graduated rates from the Tax Reform for Acceleration and Inclusion (TRAIN) law. The calculator annualizes your taxable salary and applies these brackets:
| Annual taxable income | Tax |
|---|---|
| Up to ₱250,000 | 0% |
| ₱250,001 – ₱400,000 | 20% of excess over ₱250,000 |
| ₱400,001 – ₱800,000 | ₱30,000 + 25% of excess over ₱400,000 |
| ₱800,001 – ₱2,000,000 | ₱130,000 + 30% of excess over ₱800,000 |
| ₱2,000,001 – ₱8,000,000 | ₱490,000 + 32% of excess over ₱2,000,000 |
| Over ₱8,000,000 | ₱2,410,000 + 35% of excess over ₱8,000,000 |
13th-month pay and bonuses
By law, private-sector employers in the Philippines must pay 13th-month pay: one-twelfth of your basic annual salary, given on or before December 24 each year. The first ₱90,000 of 13th-month pay and other bonuses (such as Christmas or performance bonuses) in a year is exempt from income tax; anything above that is added to your taxable income. Because it is paid separately from your monthly salary, the calculator does not include it in net pay — but it is a meaningful part of your annual compensation. Some employers also grant a 14th-month or mid-year bonus, which follows the same ₱90,000 exemption rule.
Semi-monthly paydays: how salaries are usually paid
Most Philippine employers pay twice a month — typically on the 15th and the 30th (or 31st). Your monthly net pay from the calculator is simply halved for each payday, which is why the results show a semi-monthly figure. Deductions like SSS, PhilHealth and Pag-IBIG are usually split across both paydays, while withholding tax is computed on the monthly figure and then divided. If you start a new job or resign mid-month, expect a pro-rated amount for that period. A useful related figure is your daily rate — monthly salary divided by 22 working days — which employers use for overtime, holiday pay and deductions for absences.
Tips to make the most of your net pay
You cannot change the mandatory deductions, but you can manage what surrounds them. Voluntary top-ups to SSS and Pag-IBIG build bigger future benefits, and the Pag-IBIG MP2 savings program has historically paid higher dividends than the regular program. If your employer offers de minimis benefits — such as meal, clothing, laundry or medical allowances within the BIR’s limits — those are exempt from tax and effectively raise your take-home. Finally, keep your BIR Form 2316 (certificate of compensation payment and tax withheld) every year: it proves the tax your employer withheld and you will need it when switching jobs or filing an annual income tax return.
Worked example: ₱50,000 monthly salary
- SSS: 5% of ₱35,000 (capped) = ₱1,750.00
- PhilHealth: 2.5% of ₱50,000 = ₱1,250.00
- Pag-IBIG: 2% of ₱5,000 (capped) = ₱100.00
- Monthly taxable: ₱50,000 − ₱1,750 − ₱1,250 − ₱100 = ₱46,900 → ₱562,800 a year
- Withholding tax: ₱30,000 + 25% × (₱562,800 − ₱400,000) = ₱70,700/year = ₱5,891.67/month
- Net pay: ₱50,000 − ₱1,750 − ₱1,250 − ₱100 − ₱5,891.67 = ₱41,008.33/month
Philippines salary FAQs
How much is the SSS contribution in 2025?
For 2025, the SSS contribution rate is 15% of the monthly salary credit, with the employee paying 5% and the employer 10%. The maximum salary credit is ₱35,000, so the maximum employee share is ₱1,750 a month.
How much is deducted for PhilHealth?
PhilHealth charges 5% of your monthly basic salary, split 2.5% employee and 2.5% employer. It applies between a ₱10,000 floor and a ₱100,000 ceiling, so employees contribute ₱250 to ₱2,500 a month.
What is the Pag-IBIG deduction?
Pag-IBIG (HDMF) deducts 2% of your monthly compensation up to ₱5,000, which is a maximum of ₱100 a month from the employee, matched by the employer. It funds the national housing savings program.
How is Philippine withholding tax calculated?
Employers annualize your taxable salary (gross minus SSS, PhilHealth and Pag-IBIG) and apply the TRAIN law graduated rates: 0% up to ₱250,000, then 20%, 25%, 30%, 32% and 35% on successive slices, divided back into monthly withholding.
Is 13th-month pay taxable?
13th-month pay and other bonuses are exempt from income tax up to ₱90,000 a year. Amounts above that are added to taxable income. The calculator does not include 13th-month pay in the monthly figure.
Why is my net pay lower than expected?
The three mandatory contributions (SSS, PhilHealth, Pag-IBIG) plus withholding tax typically take 15–25% of gross pay. If your payslip shows more, check for voluntary deductions like loans, union dues or additional benefits your employer withholds.
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