Calculators
One tool per deduction, plus the one that ties them all together.
SSS Contribution Calculator
15% of your Monthly Salary Credit — employee and employer split, EC, and the MPF Pension Booster, with the full 61-bracket table.
Open calculator → LivePag-IBIG Contribution Calculator
2% employee + 2% employer on the ₱10,000 maximum fund salary. Covers employed, self-employed, OFW, and kasambahay members.
Open calculator → LivePhilHealth Contribution Calculator
5% premium split equally between you and your employer, on the ₱10,000 floor and ₱100,000 ceiling.
Open calculator → LiveWithholding Tax Calculator
BIR withholding on your salary after contributions, using the TRAIN law brackets.
Open calculator → Live13th Month Pay Calculator
Prorated 13th month pay based on months worked, and the tax-exempt ₱90,000 threshold.
Open calculator → LiveTake-Home Pay Calculator
All four deductions in one pass — your true net salary from gross.
Open calculator →2026 mandatory deductions at a glance
The complete picture of what comes out of a Philippine paycheck this year. Every figure verified against the issuing agency's current schedule.
| Deduction | Employee pays | Employer pays | Salary basis | Max per month (total) |
|---|---|---|---|---|
| SSS | 5% of MSC | 10% of MSC + EC (₱10/₱30) | MSC ₱5,000 – ₱35,000 | ₱5,280 |
| PhilHealth | 2.5% of basic salary | 2.5% of basic salary | ₱10,000 – ₱100,000 | ₱5,000 |
| Pag-IBIG (HDMF) | 2% (1% if ≤ ₱1,500) | 2% | Capped at ₱10,000 MFS | ₱400 |
| Withholding tax | 0% – 35% | — | Taxable income (TRAIN brackets) | Varies |
Worked example: an employee earning ₱25,000 a month pays ₱1,250 to SSS, ₱625 to PhilHealth, and ₱200 to Pag-IBIG — ₱2,075 in contributions before withholding tax is applied. Self-employed, voluntary, and OFW members shoulder both shares themselves.
Why these numbers hold up
Sources, not summaries of summaries. Rates come from the issuing agencies' own schedules — the SSS contribution schedule under RA 11199, PhilHealth's premium advisory under the Universal Health Care Act (RA 11223), and HDMF Circular No. 460 for Pag-IBIG. Every calculator states its legal basis, shows the full bracket table, and gets re-verified each January when new schedules take effect. This is an independent site, not a government service — official transactions belong at the agencies themselves.
Common questions
What are the mandatory salary deductions in the Philippines?
Four: SSS (5% employee share of the Monthly Salary Credit), PhilHealth (2.5% employee share of basic salary), Pag-IBIG (2%, capped at ₱200), and BIR withholding tax under the TRAIN brackets. Employers pay counterpart shares for the first three on top of your salary.
How much is deducted from a ₱25,000 salary in 2026?
₱1,250 for SSS, ₱625 for PhilHealth, and ₱200 for Pag-IBIG — ₱2,075 total in contributions. Withholding tax is then computed on what remains, so your taxable base is ₱22,925.
Are the 2026 rates final, or will they increase again?
2026 is the plateau year. SSS hit its final 15% rate under RA 11199, PhilHealth its final 5% under the UHC Act, and Pag-IBIG holds at 2% on the ₱10,000 fund salary cap. No further increases are currently scheduled for any of the three.