Take-Home Pay Calculator Philippines (2025)
This calculator estimates your monthly take-home (net) pay. It subtracts your SSS, PhilHealth, and Pag-IBIG employee contributions from your gross pay, computes withholding tax on the remaining taxable income, and returns what lands in your pay.
- Instant results
- Free, no sign-up
- Localized for the Philippines
Enter your details
Estimated take-home pay
₱26,542.45
- Monthly gross pay
- ₱30,000.00
- SSS (employee share)
- ₱1,500.00
- PhilHealth (employee share)
- ₱750.00
- Pag-IBIG (employee share)
- ₱200.00
- Total contributions
- ₱2,450.00
- Withholding tax
- ₱1,007.55
- Total deductions
- ₱3,457.55
Updates instantly as you type.
How it works
Net pay = gross − (SSS + PhilHealth + Pag-IBIG) − withholding tax
- Compute your SSS, PhilHealth, and Pag-IBIG employee contributions from gross pay.
- Subtract those contributions from gross pay to get taxable income (contributions are non-taxable).
- Compute monthly withholding tax on the taxable income.
- Subtract contributions and withholding tax from gross pay to get take-home pay.
Rates effective: 2025-01-01
Examples
Gross PHP 20,000
- Monthly gross pay:
- ₱20,000.00
Estimated take-home pay₱18,300.00- Monthly gross pay:
- ₱20,000.00
- SSS (employee share):
- ₱1,000.00
- PhilHealth (employee share):
- ₱500.00
- Pag-IBIG (employee share):
- ₱200.00
Gross PHP 30,000
- Monthly gross pay:
- ₱30,000.00
Estimated take-home pay₱26,542.45- Monthly gross pay:
- ₱30,000.00
- SSS (employee share):
- ₱1,500.00
- PhilHealth (employee share):
- ₱750.00
- Pag-IBIG (employee share):
- ₱200.00
Gross PHP 50,000
- Monthly gross pay:
- ₱50,000.00
Estimated take-home pay₱42,231.60- Monthly gross pay:
- ₱50,000.00
- SSS (employee share):
- ₱1,750.00
- PhilHealth (employee share):
- ₱1,250.00
- Pag-IBIG (employee share):
- ₱200.00
Frequently asked questions
Is this my exact net pay?
It is an estimate. Real payroll can differ due to non-taxable allowances, taxable benefits (like bonuses over the exemption cap), year-to-date tax adjustments, loans, and other employer-specific deductions.
Are SSS, PhilHealth, and Pag-IBIG deducted before tax?
Yes. Mandatory contributions are non-taxable, so they are subtracted from gross pay before withholding tax is computed.
Does this include the 13th month pay or bonuses?
No. This estimates a regular monthly period. The 13th month pay and other benefits are handled separately and are tax-exempt up to the current cap.
What about de minimis benefits and allowances?
This assumes your input is regular taxable gross pay. Non-taxable allowances and de minimis benefits should be excluded from the amount you enter.
How is Take-Home Pay Calculator Philippines (2025) calculated?
Net pay = gross − (SSS + PhilHealth + Pag-IBIG) − withholding tax
Where does the data come from?
Figures are based on official sources: BIR — Withholding Tax on Compensation, SSS, PhilHealth, Pag-IBIG Fund (HDMF).
Official references
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