Philippines net salary calculator
Philippines net salary calculatorYour Philippine net pay is gross minus SSS, PhilHealth and Pag-IBIG contributions and TRAIN withholding tax.
Worked example · Net / month
You keep 88.5% of gross pay 11.5% goes to tax and contributions
With Gross monthly salary of 30,000 PHP, this model computes Net / month of 26,542.50 PHP. See the full working.
✓ Verified against 2 self-test cases Updated for 2026 · sources checked 2026-08-02
How net pay in Philippines is calculated
Philippine payroll deducts three contributions — SSS (5%), PhilHealth (2.5%) and Pag-IBIG (2%, capped) — from gross. The remainder, annualised, is taxed under the TRAIN law.
TRAIN exempts the first 250,000 PHP a year, then charges 15% to 35% across the bands, so lower earners pay no income tax. The calculator combines the contributions and withholding. Estimate, not tax advice.
Worked example
ShowHide the full working: 1 input, 7 computed steps
| Inputs | |
|---|---|
| Gross monthly salary | 30,000 PHP |
| Computed by the engine | |
| SSS ✓ pinned | 1,500 PHP |
| PhilHealth ✓ pinned | 750 PHP |
| Pag-IBIG ✓ pinned | 200 PHP |
| Contributions | 2,450 |
| Annual Taxable | 330,600 |
| Withholding tax | 1,007.50 PHP |
| Net / month ✓ pinned | 26,542.50 PHP |
Every computed row comes from the engine, run on the inputs above. Rows marked ✓ pinned are also fixed by a published self-test, so a change to the model that moved them would fail its own tests.
Frequently asked questions
What is take-home on 30,000 PHP a month?
Contributions of about 2,450 come off, and withholding tax on the annualised income leaves roughly 26,540 PHP net.
Who pays no income tax in the Philippines?
Anyone whose annual taxable income after contributions is 250,000 PHP or less pays no income tax under TRAIN.
What are the three contributions?
SSS (social security), PhilHealth (health) and Pag-IBIG (housing fund), deducted from every payslip.
Sources
Estimate. Not tax advice. The verification badge means the model reproduces the stated formula through 2 self-test cases; the sources support that the formula matches the rules.
Check the arithmetic yourself: how this calculator is verified — the formula behind every derived value, the 2 test cases the engine reproduces, and what the badge does and does not claim. Also available as machine-readable JSON.
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