This is an estimate based on published official tables. Your actual payslip may differ if you have allowances, overtime, de minimis benefits, loans, HMO, or company-specific deductions.
Take-Home Pay Estimator
Includes SSS, PhilHealth, Pag-IBIG & tax
Use regular basic pay only. This estimate excludes allowances, overtime, bonuses and loan deductions. Semi-monthly means two equal pay periods per month.
Enter basic pay to see your estimate.
What This Includes
- SSS employee contribution (schedule effective Jan 2025, MSC cap ₱35,000)
- PhilHealth employee share (5% premium, floor ₱10,000, ceiling ₱100,000, 50/50 split)
- Pag-IBIG employee share (Circular 460, MFS ₱10,000, rate 1% or 2%)
- BIR withholding tax using Annex E tables (effective Jan 1, 2023 onwards)
What Is Not Included
- Overtime, night differential, commissions, and bonuses
- 13th month pay computation (use the separate 13th Month Pay Calculator)
- Minimum wage earner exemption (requires region-specific wage order data)
- Loan deductions (SSS, Pag-IBIG, company loans)
- HMO premiums, union dues, and other company-specific items
- Self-employed, voluntary, OFW, or GSIS contribution rules
- Special PhilHealth coverage, including employed PWD members whose employee share is covered by the national government
How the Computation Works
SSS Employee Share
Your monthly salary is matched to the SSS contribution schedule (effective January 2025) to find the Monthly Salary Credit (MSC). The employee share is 5% of the MSC, with a maximum MSC of ₱35,000.
For MSC above ₱20,000, the contribution includes a MySSS Pension Booster (MPF) portion that is credited to your personal account. This is still part of your total employee deduction.
PhilHealth Employee Share
The premium is 5% of your Monthly Basic Salary (MBS), with a floor of ₱10,000 and a ceiling of ₱100,000. For employed members, the premium is split equally between employer and employee (50/50).
PhilHealth uses fixed monthly basic salary, excluding allowances, overtime, commissions, bonuses and 13th month pay. This basic-pay-only estimate uses your input as that salary base. If an absence reduces your pay, use the separate PhilHealth calculator with your fixed monthly basic rate to check the contribution.
Pag-IBIG Employee Share
Pag-IBIG contributions use a fund salary base capped at ₱10,000 (per Circular No. 460, effective February 2024). The employee rate is 1% if your fund salary is ₱1,500 or below, and 2% if above ₱1,500.
Pag-IBIG fund salary includes basic pay and allowances. This salary tool omits allowances; use the separate Pag-IBIG calculator with your full fund salary when applicable.
Taxable Compensation and Withholding Tax
Your taxable compensation for the pay period is computed by subtracting mandatory employee contributions (SSS, PhilHealth, Pag-IBIG) from your gross pay. This matches BIR guidance (RMC 50-2018).
The calculator then applies the BIR Annex E withholding table for your pay frequency. Monthly and semi-monthly have separate bracket thresholds — semi-monthly tax is not simply "monthly tax divided by 2."
Worked Examples
Here are common scenarios showing the exact breakdown of take-home pay based on different monthly salary levels. These examples use the standard simple calculation without any non-taxable allowances or de minimis benefits.
₱20,000 Monthly
₱20,000.00
₱30,000 Monthly
₱30,000.00
₱50,000 Monthly
₱50,000.00
Frequently asked questions
What is the difference between gross pay, taxable compensation, and take-home pay?
Gross pay is your total regular pay before any deductions. Taxable compensation is gross pay minus mandatory employee contributions (SSS, PhilHealth, Pag-IBIG). Take-home pay is gross pay minus all deductions including withholding tax.
Why is my withholding tax different from this estimate?
Your actual withholding tax may differ if you have non-taxable allowances, de minimis benefits, or your employer uses the cumulative average method. This calculator uses Annex E based on regular pay only.
Why does SSS stop increasing after a point?
SSS contributions are based on Monthly Salary Credit (MSC). The MSC is capped at ₱35,000, so the maximum employee share is ₱1,750. Contributions for MSC above ₱20,000 include a MySSS Pension Booster (MPF) portion.
How is PhilHealth computed and why does it have a floor and ceiling?
PhilHealth premium is 5% of Monthly Basic Salary, split equally between employer and employee. The floor (₱10,000) and ceiling (₱100,000) set minimum and maximum salary bases for computing the premium.
Why is Pag-IBIG capped at ₱200 employee share?
Pag-IBIG uses a Maximum Fund Salary of ₱10,000. With a 2% employee rate (for salary above ₱1,500), the maximum employee share is ₱10,000 × 2% = ₱200 per month.
Monthly vs semi-monthly: will the tax be exactly half?
No. BIR Annex E has separate withholding tables for each pay frequency with different bracket thresholds and base tax amounts. Semi-monthly tax is computed independently, not by dividing monthly tax by 2.
Does this include 13th month pay?
No. 13th month pay has a separate tax treatment with a shared ₱90,000 exemption ceiling. Use the 13th Month Pay Calculator for that computation.
Official Sources
- SSS Contribution Schedule (effective Jan 2025)
Range of compensation → MSC → employee/employer shares; includes MPF/WISP.
- PhilHealth Advisory No. 2025-0002 (CY 2025 premium schedule)
Premium rate 5%, floor ₱10k, ceiling ₱100k; defines Monthly Basic Salary exclusions.
- Pag-IBIG Circular No. 460 (MFS ₱10,000; contribution rates)
Rates 1%/2% employee, 2% employer; MFS ₱10,000 effective Feb 2024.
- BIR Annex E Revised Withholding Tax Table (effective Jan 1, 2023)
Monthly and semi-monthly withholding formulas.
- BIR RMC 50-2018 (taxable compensation deductions)
Confirms SSS/PhilHealth/Pag-IBIG are deductible from gross to arrive at taxable compensation.
- SSS Pay Contributions Page
15% MSC basis, employee/employer shares, EC amounts.
Related Payroll Tools
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