💰 2026 Philippines Salary Calculator
Calculate your take-home pay after SSS, PhilHealth, Pag-IBIG, and income tax deductions.
💰 Monthly Salary
📊 Results
₱26,542
₱318,509
₱360,000
11.53%
₱3,458 in deductions
Employee Deduction Breakdown
📋 Take-Home Pay by Salary Range
Based on 2025-2026 SSS, PhilHealth, Pag-IBIG, and income tax rates
| Monthly Salary | Net Pay | Deductions | Take-Home % |
|---|---|---|---|
| ₱15,000 | ₱13,675 | ₱1,325 | 91.2% |
| ₱20,000 | ₱18,300 | ₱1,700 | 91.5% |
| ₱25,000 | ₱22,611 | ₱2,389 | 90.4% |
| ₱30,000 | ₱26,542 | ₱3,458 | 88.5% |
| ₱40,000 | ₱33,807 | ₱6,193 | 84.5% |
| ₱50,000 | ₱41,607 | ₱8,393 | 83.2% |
| ₱75,000 | ₱59,215 | ₱15,785 | 79.0% |
| ₱100,000 | ₱77,496 | ₱22,504 | 77.5% |
2025-2026 Philippine Payroll Deductions Overview
| Contribution | Employee | Employer | Note |
|---|---|---|---|
| SSS (Regular) | 5% | 10% + EC | MSC ₱5K–₱20K |
| SSS (MPF) | 5% | 10% | MSC above ₱20K |
| PhilHealth | 2.5% | 2.5% | Floor ₱10K, ceiling ₱100K |
| Pag-IBIG | 2% | 2% | Max fund salary ₱10K |
| Income Tax | 0% – 35% | — | TRAIN Law (6 tiers) |
How Your Take-Home Pay Is Calculated
Your monthly take-home pay (net pay) is your gross salary minus SSS, PhilHealth, Pag-IBIG contributions, and withholding tax:
Net Pay = Gross Salary − SSS − PhilHealth − Pag-IBIG − Withholding Tax
SSS Contributions
The Social Security System (SSS) uses a 62-bracket lookup table based on your Monthly Salary Credit (MSC), ranging from ₱5,000 to ₱35,000 in ₱500 increments. For MSC up to ₱20,000, regular SS contributions apply. For MSC exceeding ₱20,000, the Mandatory Provident Fund (MPF) applies on the excess amount. Both use the same rates: 5% employee and 10% employer.
PhilHealth
The Philippine Health Insurance Corporation charges a total premium of 5% of your monthly salary, shared equally between employee and employer (2.5% each). The minimum salary base is ₱10,000 and the maximum is ₱100,000, meaning monthly premiums range from ₱250 to ₱2,500 per person.
Pag-IBIG (HDMF)
The Home Development Mutual Fund (Pag-IBIG) requires both employee and employer to contribute 2% of the employee's salary, with a maximum fund salary of ₱10,000. This means the maximum monthly contribution is ₱200 for each party.
Income Tax (TRAIN Law)
Under the TRAIN Law (RA 10963), the Philippines uses a 6-tier progressive tax system. Monthly taxable income up to ₱20,833 is tax-free. Higher brackets are taxed at 15%, 20%, 25%, 30%, and 35%. Your taxable income is your gross salary minus mandatory SSS, PhilHealth, and Pag-IBIG contributions.
Frequently Asked Questions
How much is my take-home pay for a ₱30,000 salary?
For a monthly salary of ₱30,000, your approximate monthly take-home pay is around ₱26,500 after SSS (~₱1,500), PhilHealth (₱750), Pag-IBIG (₱200), and withholding tax (~₱1,008). Actual amounts may vary based on your specific situation.
What are the 2025 SSS contribution rates?
The total SSS contribution rate is 15% of your Monthly Salary Credit (MSC): 5% from the employee and 10% from the employer. The MSC ranges from ₱5,000 to ₱35,000 in ₱500 increments. For MSC above ₱20,000, the Mandatory Provident Fund (MPF) is added at the same rates.
How is PhilHealth contribution calculated?
PhilHealth premium is 5% of your monthly salary (2.5% each for employee and employer). The salary floor is ₱10,000 and ceiling is ₱100,000, so premiums range from ₱250 to ₱2,500 per person per month.