Wonder how much you’ll actually take home after all those deductions? Enter your salary details below and the calculator will do the math for you — SSS, PhilHealth, Pag-IBIG, and withholding tax included.
Salary breakdown
Deductions
Where your pay goes
Based on 2026 rates: SSS at 15% total (5% employee share, MSC ₱5K–₱35K, based on basic salary); PhilHealth at 5% (2.5% employee share, floor ₱10K, ceiling ₱100K); Pag-IBIG at 2% employee share capped at ₱200/month; TRAIN Law withholding tax (effective Jan 2023); and de minimis benefits per BIR RR No. 29-2025 (effective Jan 6, 2026). Estimates only — actual deductions may vary. Consult your payroll officer or a licensed CPA for your specific situation.
How to Use This Calculator
Fill in the fields that apply to you:
Basic salary — this is the fixed pay stated in your employment contract, before any allowances or bonuses.
Other taxable income — any additional compensation that’s subject to tax, such as taxable allowances or commissions. Check the box if you don’t have any.
De minimis benefits — non-taxable benefits your employer gives you, such as rice subsidy, clothing allowance, or medical cash allowance, as long as they’re within the BIR-prescribed limits under RR No. 29-2025. Check the box if you don’t receive any.
Then hit Compute net salary and the calculator will show you a full breakdown.
What Gets Deducted from Your Salary?
There are four mandatory deductions every employed Filipino pays:
SSS — you contribute 5% of your Monthly Salary Credit (MSC), which is a bracket value assigned by SSS based on your basic salary. The MSC ranges from ₱5,000 to ₱35,000. Your employer covers the remaining 10%.
PhilHealth — the total premium is 5% of your basic salary (floored at ₱10,000 and capped at ₱100,000). You and your employer split it equally, so your share is 2.5%.
Pag-IBIG / HDMF — you contribute 2% of your basic salary, matched by your employer, but your share is capped at ₱200 per month regardless of how high your salary goes.
Withholding tax — this is your income tax, pre-collected by your employer on behalf of the BIR. It’s computed on your taxable income — which is your gross compensation minus your de minimis benefits and your three mandatory contributions — using the TRAIN Law graduated tax brackets (effective January 2023).
About De Minimis Benefits
De minimis benefits are small, non-taxable perks that your employer gives you on top of your salary. They’re excluded from your taxable income, which means they reduce your withholding tax — and add to your actual take-home pay.
Under BIR RR No. 29-2025 (effective January 6, 2026), the updated tax-exempt de minimis limits include:
- Rice subsidy: up to ₱2,500/month
- Uniform and clothing allowance: up to ₱8,000/year (≈ ₱667/month)
- Medical cash allowance to dependents: up to ₱2,000/semester (≈ ₱333/month)
- Actual medical assistance: up to ₱12,000/year (≈ ₱1,000/month)
- Laundry allowance: up to ₱600/month
- Christmas gifts / anniversary gifts: up to ₱12,000/year
Any amount that exceeds these limits becomes taxable compensation.
Notes and Disclaimers
- Contribution rates are based on 2026 mandated rates for SSS, PhilHealth, and Pag-IBIG.
- Withholding tax uses the TRAIN Law schedule effective January 1, 2023, which remains in force for 2026.
- De minimis limits reflect BIR RR No. 29-2025, effective January 6, 2026.
- SSS, PhilHealth, and Pag-IBIG contributions are computed based on basic salary only.
- This calculator is for estimation purposes only. Actual deductions may differ depending on your specific payroll setup. For a precise computation, consult your HR department or a licensed CPA.