Resources / Philippine payroll
Tax and net pay calculator
Estimate one month of employee deductions and take-home pay. See how SSS, PhilHealth, Pag-IBIG, and BIR withholding affect your gross pay.
01 / Monthly pay
Enter your pay for one month
Enter one month of gross pay before tax and deductions. Your estimate updates as you type.
Enter the total pay earned this month before tax and deductions. No other input is needed.
BIR checked through September 2026; SSS through September 2026. PhilHealth through September 2026; Pag-IBIG through September 2026.
03 / How it works
From gross pay to net pay
SSS uses the employee contribution in the applicable salary-credit band. PhilHealth uses a 5% total premium, with 50% paid by the employee, on a base between ₱10,000.00 and ₱100,000.00. Pag-IBIG uses 1% through ₱1,500.00, then 2%, with a ₱10,000.00 fund-salary cap.
Taxable pay is estimated as monthly pay minus the employee’s SSS, PhilHealth, and Pag-IBIG shares. The BIR monthly withholding bracket then determines income tax. Net pay is monthly pay minus those employee contributions and that tax.
To keep this quick, the calculator assumes gross pay equals basic salary and Pag-IBIG fund salary. Gross pay can include OT and night differential, while PhilHealth’s basic salary excludes them. Confirm pay classifications with payroll before using this estimate for a payslip.