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Philippines Take-Home Pay Calculator

Net salary after SSS, PhilHealth, Pag-IBIG and withholding tax (PH).

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Uses the 2025+ SSS schedule (15% total, 5% employee share, MSC ₱5,000–₱35,000), PhilHealth 5% (2.5% employee, ₱10,000–₱100,000), Pag-IBIG ₱200 cap and the TRAIN withholding tax table. Estimates only; your payslip may differ.

How to use it (step by step)

  1. 1Fill in the boxes: “Monthly basic salary (₱)”, “Non-taxable allowances (₱)”. Example numbers are already there so you can see how it works; replace them with yours.
  2. 2The result updates instantly as you type (on a phone it is below the boxes).
  3. 3The bold line is the main answer. Tap Copy next to any value to copy it.

Words to know

Gross vs net
Gross = the full amount before deductions. Net = what is left after fees, taxes or deductions.
SSS, PhilHealth, Pag-IBIG
Philippine government contributions taken from salary for social security, health insurance and housing savings.
Withholding tax
Income tax your employer takes from each payday and sends to the BIR for you, so you do not pay it all at once at year end.
MSC (Monthly Salary Credit)
The salary amount SSS uses for your contribution and benefits: your pay rounded to the nearest ₱500, from ₱5,000 to ₱35,000. Like a “price tag” SSS puts on your salary.

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