SahodPH
Philippine Salary Calculator
See what's left of your monthly salary after SSS, PhilHealth, Pag-IBIG, and withholding tax, with every deduction broken down.
Calculate your take-home pay
Enter your monthly basic salary. Switch to Advanced to add allowances, overtime, or bonuses.
Your estimate
Salary Breakdown
- Gross Monthly Income
- ₱30,000.00
- Taxable Compensation
- ₱30,000.00
- Non-taxable Allowances
- ₱0.00
- SSS
- ₱1,500.00
- PhilHealth
- ₱750.00
- Pag-IBIG
- ₱200.00
- Government Contributions
- ₱2,450.00
- Withholding Tax
- ₱1,007.50
- Total Deductions
- ₱3,457.50
Company-specific deductions like loans, HMO dependents, or absences aren't included. See the rates used on the deduction tables page.
Step by step
How your take-home pay is calculated
Philippine payroll takes four mandatory deductions from a regular employee's salary. Three are government contributions, and the fourth is income tax, which is computed after the contributions are subtracted. Here is each step, using a ₱30,000 monthly basic salary.
1. SSS: 5% of your Monthly Salary Credit
Your salary is mapped to a Monthly Salary Credit (MSC) between ₱5,000 and ₱35,000, in ₱500 steps. You pay 5% of it and your employer pays 10%. A ₱30,000 salary has an MSC of ₱30,000, so the employee share is ₱1,500. Above ₱34,750, the MSC is capped at ₱35,000 and SSS stays at ₱1,750.
2. PhilHealth: 2.5% of basic salary
The premium is 5% of your monthly basic salary, split equally with your employer. The salary used is at least ₱10,000 and at most ₱100,000. On ₱30,000, your share is ₱30,000 × 2.5% = ₱750.
3. Pag-IBIG: ₱200 for most employees
You contribute 2% of your monthly compensation, up to a maximum fund salary of ₱10,000. Anyone earning ₱10,000 or more pays ₱200.
4. Taxable compensation
Mandatory contributions aren't taxed, so they're subtracted first: ₱30,000 − ₱1,500 − ₱750 − ₱200 = ₱27,550 of taxable compensation. Non-taxable allowances such as de minimis benefits are also left out at this step.
5. Withholding tax from the BIR table
Under the TRAIN law table in effect since 2023, the first ₱20,833 of monthly taxable compensation is tax-free. ₱27,550 is in the 15% bracket, so tax is 15% of the amount above ₱20,833.33: (₱27,550 − ₱20,833.33) × 15% = ₱1,007.50.
6. Take-home pay
Subtract everything from gross pay:
Take-home pay at a glance
Monthly take-home pay for common salaries
| Monthly basic salary | Contributions | Withholding tax | Take-home pay |
|---|---|---|---|
| ₱15,000 | ₱1,325.00 | ₱0.00 | ₱13,675.00 |
| ₱20,000 | ₱1,700.00 | ₱0.00 | ₱18,300.00 |
| ₱25,000 | ₱2,075.00 | ₱313.75 | ₱22,611.25 |
| ₱30,000 | ₱2,450.00 | ₱1,007.50 | ₱26,542.50 |
| ₱40,000 | ₱2,950.00 | ₱2,618.33 | ₱34,431.67 |
| ₱50,000 | ₱3,200.00 | ₱4,568.33 | ₱42,231.67 |
| ₱75,000 | ₱3,825.00 | ₱9,668.75 | ₱61,506.25 |
| ₱100,000 | ₱4,450.00 | ₱15,762.50 | ₱79,787.50 |
For more salary levels and the full breakdown, see the take-home pay table.
What the calculator does not include
The calculator covers the mandatory deductions every regular employee has. Your payslip may also show items that depend on your employer or your own choices:
- SSS, Pag-IBIG, or company loan repayments
- HMO premiums for dependents, and voluntary Pag-IBIG MP2 savings
- Deductions for unpaid absences, tardiness, or undertime
- Year-end tax adjustments, which your employer makes in December from your annual income
Minimum wage earners are exempt from withholding tax on their minimum wage, holiday pay, overtime, and night differential. The calculator assumes you are not a minimum wage earner, but at those salary levels the tax result is ₱0 anyway.
Common questions
Philippine salary FAQs
At what salary do I start paying income tax?
At about ₱22,730 a month in basic salary. Tax only applies once taxable compensation passes ₱20,833.33, and at ₱22,727 your SSS, PhilHealth, and Pag-IBIG contributions (₱1,893.18) bring you to just that level.
What is the take-home pay for a ₱25,000 salary?
About ₱22,611.25. That's after ₱1,250 SSS, ₱625 PhilHealth, ₱200 Pag-IBIG, and ₱313.75 withholding tax.
Are overtime and allowances taxed?
Overtime, night differential, holiday pay, and most allowances are taxable. De minimis benefits within BIR limits (rice subsidy, laundry allowance, and similar) and 13th month pay plus other benefits up to ₱90,000 a year are not. Use Advanced mode to enter them separately.
Why is my payslip different from the calculator?
The most common reasons are loan repayments, unpaid absences, and employers that split contributions across two payroll cutoffs. Some employers also compute SSS on a different salary base, for example basic pay only.
Does the calculator store my salary?
No. Calculations run in your browser, and the numbers you type are not sent to SahodPH. See the privacy policy.