What SahodMo is
SahodMo is a free, independent set of Philippine payroll calculators and plain-language guides. It computes the mandatory 2026 salary deductions — SSS, PhilHealth, Pag-IBIG, and BIR withholding tax — plus 13th month pay and your full gross-to-net take-home pay. ("Sahod" is the Filipino word for wages or salary, so SahodMo means "your pay.")
The idea is simple: you enter your salary, and SahodMo shows you exactly where every peso goes and what actually lands in your pocket — no jargon, no guesswork.
Why SahodMo exists
Philippine payroll math is scattered across agency circulars, PDFs, and outdated blog posts, and it is genuinely hard to get exactly right. A single wrong bracket or an old rate can throw your numbers off by hundreds of pesos a month.
SahodMo puts the exact figures in one clean place — no signup, no spam, no paywall. Whether you are an employee checking your payslip, a freelancer estimating voluntary contributions, or an HR staffer double-checking a computation, the answer should be one search away and correct on the first try.
How we keep it accurate
Every figure on SahodMo is verified against the official 2026 schedules from each agency:
- SSS — the 15% contribution rate under Republic Act 11199 (the Social Security Act of 2018).
- PhilHealth — the 5% premium under RA 11223 (the Universal Health Care Act).
- Pag-IBIG — the contribution schedule under HDMF Circular No. 460.
- BIR withholding tax — the graduated rates under the TRAIN law (RA 10963).
- 13th month pay — the mandatory benefit under Presidential Decree 851.
We re-verify all rates every January, when new schedules typically take effect, and stamp each page with a "Last verified" date so you always know how current the numbers are.
What you can do here
SahodMo is built around six calculators, each paired with a step-by-step guide:
- SSS Contribution Calculator — your monthly SSS contribution, with the employee and employer split.
- PhilHealth Calculator — your 2026 PhilHealth premium at the 5% rate.
- Pag-IBIG Calculator — your monthly Pag-IBIG (HDMF) savings contribution.
- Withholding Tax Calculator — the BIR tax withheld from your salary under the TRAIN brackets.
- 13th Month Pay Calculator — your prorated 13th month benefit.
- Take-Home Pay Calculator — all four deductions in one pass, for your true net salary.
Each guide walks through the arithmetic in plain language, so you can follow the computation yourself — not just take the number on faith.
Independence and disclaimer
Found an error? Get in touch
We work hard to keep every figure correct, but rates change and mistakes happen. If you spot an error or have a suggestion, email us at hello@sahodmo.com. We read every message.