Salary guide
Take-Home Pay Table
What a regular employee in the Philippines takes home each month at 22 salary levels, from ₱10,000 to ₱200,000, with every deduction shown.
Monthly take-home pay by salary
Each row treats the salary as monthly basic pay, with no allowances, overtime, or bonuses. Your salary isn't listed? Enter it in the salary calculator.
| Monthly basic salary | SSS | PhilHealth | Pag-IBIG | Withholding tax | Take-home pay | Total deducted |
|---|---|---|---|---|---|---|
| ₱10,000 | ₱500.00 | ₱250.00 | ₱200.00 | ₱0.00 | ₱9,050.00 | 9.5% |
| ₱12,000 | ₱600.00 | ₱300.00 | ₱200.00 | ₱0.00 | ₱10,900.00 | 9.2% |
| ₱15,000 | ₱750.00 | ₱375.00 | ₱200.00 | ₱0.00 | ₱13,675.00 | 8.8% |
| ₱18,000 | ₱900.00 | ₱450.00 | ₱200.00 | ₱0.00 | ₱16,450.00 | 8.6% |
| ₱20,000 | ₱1,000.00 | ₱500.00 | ₱200.00 | ₱0.00 | ₱18,300.00 | 8.5% |
| ₱22,000 | ₱1,100.00 | ₱550.00 | ₱200.00 | ₱0.00 | ₱20,150.00 | 8.4% |
| ₱25,000 | ₱1,250.00 | ₱625.00 | ₱200.00 | ₱313.75 | ₱22,611.25 | 9.6% |
| ₱28,000 | ₱1,400.00 | ₱700.00 | ₱200.00 | ₱730.00 | ₱24,970.00 | 10.8% |
| ₱30,000 | ₱1,500.00 | ₱750.00 | ₱200.00 | ₱1,007.50 | ₱26,542.50 | 11.5% |
| ₱35,000 | ₱1,750.00 | ₱875.00 | ₱200.00 | ₱1,701.25 | ₱30,473.75 | 12.9% |
| ₱40,000 | ₱1,750.00 | ₱1,000.00 | ₱200.00 | ₱2,618.33 | ₱34,431.67 | 13.9% |
| ₱45,000 | ₱1,750.00 | ₱1,125.00 | ₱200.00 | ₱3,593.33 | ₱38,331.67 | 14.8% |
| ₱50,000 | ₱1,750.00 | ₱1,250.00 | ₱200.00 | ₱4,568.33 | ₱42,231.67 | 15.5% |
| ₱60,000 | ₱1,750.00 | ₱1,500.00 | ₱200.00 | ₱6,518.33 | ₱50,031.67 | 16.6% |
| ₱70,000 | ₱1,750.00 | ₱1,750.00 | ₱200.00 | ₱8,468.33 | ₱57,831.67 | 17.4% |
| ₱75,000 | ₱1,750.00 | ₱1,875.00 | ₱200.00 | ₱9,668.75 | ₱61,506.25 | 18.0% |
| ₱80,000 | ₱1,750.00 | ₱2,000.00 | ₱200.00 | ₱10,887.50 | ₱65,162.50 | 18.5% |
| ₱90,000 | ₱1,750.00 | ₱2,250.00 | ₱200.00 | ₱13,325.00 | ₱72,475.00 | 19.5% |
| ₱100,000 | ₱1,750.00 | ₱2,500.00 | ₱200.00 | ₱15,762.50 | ₱79,787.50 | 20.2% |
| ₱120,000 | ₱1,750.00 | ₱2,500.00 | ₱200.00 | ₱20,762.50 | ₱94,787.50 | 21.0% |
| ₱150,000 | ₱1,750.00 | ₱2,500.00 | ₱200.00 | ₱28,262.50 | ₱117,287.50 | 21.8% |
| ₱200,000 | ₱1,750.00 | ₱2,500.00 | ₱200.00 | ₱42,206.67 | ₱153,343.33 | 23.3% |
Employee shares only. Rates and brackets are listed on the deduction tables page. Last computed 24 September 2026.
Reading the table
Five things the numbers show
1. No income tax until about ₱22,730 a month
The first ₱20,833.33 of monthly taxable compensation is tax-free, and taxable compensation is what's left after SSS, PhilHealth, and Pag-IBIG. At a ₱22,727 salary, contributions total ₱1,893.18, which leaves ₱20,833.82 taxable. That's the point where tax starts. Everyone below it pays only contributions, which is why the deduction rate actually falls from 9.5% at ₱10,000 to 8.4% at ₱22,000.
2. SSS stops growing at ₱34,750
The SSS Monthly Salary Credit is capped at ₱35,000, which is reached at a salary of ₱34,750. From there up, the employee share stays at ₱1,750 whether you earn ₱35,000 or ₱200,000.
3. PhilHealth keeps rising until ₱100,000
PhilHealth is 2.5% of basic salary with no cap until ₱100,000, where it reaches ₱2,500. Between ₱35,000 and ₱100,000, it's the only contribution that still grows with your pay.
4. Pag-IBIG is ₱200 for almost everyone
With the maximum fund salary at ₱10,000, every employee earning ₱10,000 or more pays exactly ₱200. You can contribute more voluntarily, but it isn't required.
5. Deductions rise gradually, not in jumps
Crossing into a higher tax bracket only affects the pesos above the threshold. That's why the "total deducted" column climbs smoothly, from 9.6% at ₱25,000 to 20.2% at ₱100,000. No raise can leave you with less take-home pay. See the salary comparison for how much of a raise you keep.
Assumptions behind the table
- The salary is monthly basic pay of a regular private-sector employee.
- The employee is not a minimum wage earner. Minimum wage earners pay no income tax on their minimum wage, but at those salary levels the table already shows ₱0 tax.
- SSS, PhilHealth, and Pag-IBIG are the employee shares for one month. Your employer pays its own share on top of your salary.
- Withholding tax uses the BIR monthly table in effect since 1 January 2023. Your employer's December year-end adjustment may raise or lower your final withholding slightly.
- There are no allowances, overtime, loans, or absences. Add those in the salary calculator's Advanced mode.