Philippines Salary Calculator 2026
Gross to Net

Calculate your exact take-home pay after BIR income tax, SSS, PhilHealth, and Pag-IBIG contributions under the TRAIN Law.

Last Updated

January 2026 (FY 2025)

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Salary Details

Monthly Gross Salary (PHP)

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SSS, PhilHealth, and Pag-IBIG are all mandatory deductions included automatically.

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FY 2025 TRAIN Law Rates

BIR income tax plus mandatory SSS, PhilHealth (5% total), and Pag-IBIG contributions.

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Enter your salary to see the breakdown

Your BIR income tax, SSS, PhilHealth, and Pag-IBIG deductions will appear here.

Monthly Breakdown

Gross Salary —

BIR Income Tax help

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SSS help

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PhilHealth help

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Pag-IBIG help

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Monthly Net Pay

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Annual Net

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Net Pay

BIR Tax

SSS

PhilHealth

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Philippine Salary Benchmarks

FY 2025 TRAIN Law

Monthly Gross	Annual	Est. Tax / mo	Net Monthly
₱20,000	₱240,000	₱0	₱18,500
₱30,000	₱360,000	₱1,833	₱25,967
₱50,000	₱600,000	₱6,667	₱40,633
₱80,000	₱960,000	₱14,833	₱61,717
₱100,000	₱1,200,000	₱20,833	₱75,217
₱150,000	₱1,800,000	₱35,833	₱110,217
₱200,000	₱2,400,000	₱51,500	₱144,550
₱300,000	₱3,600,000	₱83,500	₱212,550

Net includes BIR tax, SSS, PhilHealth, and Pag-IBIG deductions. Click any row to calculate.

Frequently Asked
Questions

Philippine payroll involves four key deductions: BIR income tax, SSS, PhilHealth, and Pag-IBIG. Here are the most common questions.

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Data sourced from BIR official publications. Updated January 2026.

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On a ₱50,000 monthly salary (₱600,000 annual), your BIR income tax under the TRAIN Law is approximately ₱6,667/month. After adding SSS (₱1,350), PhilHealth (₱1,250), and Pag-IBIG (₱100), total deductions are about ₱9,367 — leaving a take-home pay of roughly ₱40,633.

Philippine employees have four mandatory payroll deductions: (1) BIR Income Tax — progressive rates under the TRAIN Law, (2) SSS — 4.5% employee contribution, capped at ₱1,350/mo, (3) PhilHealth — 2.5% employee share, capped at ₱2,500/mo, and (4) Pag-IBIG (HDMF) — 2% of compensation, capped at ₱100/mo.

Yes. Under the TRAIN Law, annual income of ₱250,000 or below (approximately ₱20,833/month) is exempt from income tax. Above this threshold, progressive rates from 20% to 35% apply. SSS, PhilHealth, and Pag-IBIG are still deducted regardless of income level.

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SSS (Social Security System) contributions are based on your monthly salary credit (MSC). The employee contribution rate is 4.5% of your MSC. The maximum MSC was ₱30,000 in 2024, giving a maximum employee contribution of ₱1,350/month. The calculator applies the 4.5% rate capped at ₱1,350.

PhilHealth contributions are set at 5% of basic monthly salary, split equally between employee (2.5%) and employer (2.5%). The employee's maximum monthly contribution is ₱2,500 (reached at a ₱100,000 monthly salary). Below ₱10,000/month, the minimum applies.