Enter your gross salary
How your net pay is computed in 2026
Four deductions, applied in the order your payroll applies them.
Mandatory contributions
SSS takes 5% of your Monthly Salary Credit (capped at ₱35,000 MSC), PhilHealth 2.5% of salary (₱100,000 ceiling), and Pag-IBIG 2% (max ₱200).
Withholding tax
Tax is computed on gross pay minus those contributions, using the TRAIN monthly table. Taxable income of ₱20,833 or below owes nothing.
Net pay
Gross minus contributions minus tax. That's the amount that lands in your payroll account.
Take-Home Pay Table 2026
Net monthly pay at common salary levels, computed with the full 2026 rates — SSS 15%, PhilHealth 5%, Pag-IBIG 2%, TRAIN tax table.
| Gross salary | SSS | PhilHealth | Pag-IBIG | Tax | Net pay |
|---|---|---|---|---|---|
| ₱15,000 | 750.00 | 375.00 | 200 | 0.00 | 13,675.00 |
| ₱18,000 | 900.00 | 450.00 | 200 | 0.00 | 16,450.00 |
| ₱20,000 | 1,000.00 | 500.00 | 200 | 0.00 | 18,300.00 |
| ₱25,000 | 1,250.00 | 625.00 | 200 | 313.80 | 22,611.20 |
| ₱30,000 | 1,500.00 | 750.00 | 200 | 1,007.55 | 26,542.45 |
| ₱35,000 | 1,750.00 | 875.00 | 200 | 1,701.30 | 30,473.70 |
| ₱40,000 | 1,750.00 | 1,000.00 | 200 | 2,618.40 | 34,431.60 |
| ₱50,000 | 1,750.00 | 1,250.00 | 200 | 4,568.40 | 42,231.60 |
| ₱60,000 | 1,750.00 | 1,500.00 | 200 | 6,518.40 | 50,031.60 |
| ₱80,000 | 1,750.00 | 2,000.00 | 200 | 10,887.55 | 65,162.45 |
| ₱100,000 | 1,750.00 | 2,500.00 | 200 | 15,762.55 | 79,787.45 |
Figures assume all pay is taxable basic salary with no de minimis or non-taxable allowances — those would raise your net. 13th month pay is not included; it arrives separately and is tax-exempt up to ₱90,000.
Worked example: a ₱25,000 salary in 2026
The exact arithmetic behind the calculator, step by step — the way payroll actually does it.
Subtract the mandatory contributions
From the ₱25,000 gross, take out the employee shares: SSS ₱1,250.00 (5% of the ₱25,000 MSC), PhilHealth ₱625.00 (2.5%), and Pag-IBIG ₱200.00. Total contributions: ₱2,075.00.
Get the taxable income
₱25,000 − ₱2,075.00 = ₱22,925.00. This is what tax is computed on — not the gross.
Apply the TRAIN bracket
₱22,925.00 sits in the 15% bracket (over ₱20,833). Tax = (₱22,925.00 − ₱20,833) × 15% = ₱2,092 × 15% = ₱313.80.
Net take-home pay
₱25,000 − ₱2,075.00 − ₱313.80 = ₱22,611.20. That's what lands in the payroll account each month.
Frequently asked questions
Straight answers to the questions people actually search for.
How much is the take-home pay for a ₱25,000 salary in the Philippines in 2026?
About ₱22,611.20 per month. From ₱25,000 gross: ₱1,250 goes to SSS, ₱625 to PhilHealth, and ₱200 to Pag-IBIG (₱2,075.00 in contributions), then ₱313.80 in withholding tax on the remainder.
How much is the take-home pay for a ₱30,000 salary in 2026?
About ₱26,542.45 per month. Contributions total ₱2,450.00 (SSS ₱1,500, PhilHealth ₱750, Pag-IBIG ₱200), and withholding tax is ₱1,007.55.
What is deducted from a Philippine salary?
Four items: your SSS contribution (5% of the Monthly Salary Credit), PhilHealth premium (2.5% of basic salary), Pag-IBIG contribution (2%, capped at ₱200), and BIR withholding tax computed on what remains. Employers pay separate counterpart shares on top of your salary.
Why did my take-home pay change in 2025?
The SSS rate rose from 14% to 15% in January 2025 (its final increase under RA 11199), which raised the employee share from 4.5% to 5% of the MSC. 2026 carries the same rates — no further changes are scheduled for SSS, PhilHealth, or Pag-IBIG.
How much does an employee actually cost the employer?
Gross salary plus the employer counterparts: 10% of the MSC for SSS plus ₱10–₱30 EC, 2.5% of salary for PhilHealth, and 2% (max ₱200) for Pag-IBIG. For a ₱25,000 employee, that's roughly ₱28,355 per month all-in.
More Philippine payroll calculators
The full set of mandatory deductions — same format, same yearly updates.
SSS Contribution Calculator
15% of your Monthly Salary Credit — employee/employer split, EC, and the MPF Pension Booster, with the full 61-bracket table.
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Open calculator → LiveWithholding Tax Calculator
BIR withholding on your salary after contributions, using the TRAIN law brackets.
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