Take-Home Pay Calculator Philippines 2026
Your take-home pay is your gross salary minus SSS, PhilHealth, Pag-IBIG and withholding tax. With the 2026 tables, a ₱ 30,000 monthly salary leaves ₱ 26,542.45 a month after ₱ 1,500.00 SSS, ₱ 750.00 PhilHealth, ₱ 200.00 Pag-IBIG and ₱ 1,007.55 tax.
Tables: 2026
Your figures stay on this device. They are not sent to our servers.
Result
Take-home pay per payday
₱ 26,542.45
Tables: 2026
| Basic salary | ₱ 30,000.00 |
|---|---|
| Taxable allowances | ₱ 0.00 |
| Non-taxable allowances | ₱ 0.00 |
| SSS | − ₱ 1,500.00 |
| PhilHealth | − ₱ 750.00 |
| Pag-IBIG | − ₱ 200.00 |
| Withholding tax | − ₱ 1,007.55 |
| Take-home pay per month | ₱ 26,542.45 |
| Take-home pay per payday | ₱ 26,542.45 |
| Item | Amount | Share of gross |
|---|---|---|
| Take-home pay per month | ₱ 26,542.45 | 88.5% |
| SSS | ₱ 1,500 | 5.0% |
| PhilHealth | ₱ 750 | 2.5% |
| Pag-IBIG | ₱ 200 | 0.7% |
| Withholding tax | ₱ 1,007.55 | 3.4% |
Notes
- 13th month pay and other bonuses are not included.
How this was computed
Take-home pay = salary + allowances − employee SSS − PhilHealth − Pag-IBIG − withholding tax. The tax is the BIR withholding for your pay frequency, converted to a monthly amount. Take-home pay per payday = monthly take-home pay × 12 ÷ 12. Tax as a share of gross pay: 3.36%. Tables: 2026.
Estimate only. Not legal, tax, or financial advice.
Worked example
Gross salary: ₱ 30,000 a month. Deductions: SSS ₱ 1,500.00, PhilHealth ₱ 750.00, Pag-IBIG ₱ 200.00 and withholding tax ₱ 1,007.55. Take-home pay: ₱ 26,542.45 a month.
How it works
The calculator computes your employee SSS, PhilHealth and Pag-IBIG shares from your basic salary, then the BIR withholding tax on what is left plus taxable allowances. It subtracts all four from your gross pay and non-taxable allowances and converts the monthly result to your pay frequency. The bar chart shows how your gross pay is split.
Take-home pay = salary + allowances − employee SSS − PhilHealth − Pag-IBIG − withholding tax. The tax is the BIR withholding for your pay frequency, converted to a monthly amount. Take-home pay per payday = monthly take-home pay × 12 ÷ 12. Tax as a share of gross pay: 3.36%. Tables: 2026.
Frequently asked questions
What is the take-home pay for a ₱ 30,000 salary?
About ₱ 26,542.45 a month with the 2026 tables, after ₱ 1,500.00 SSS, ₱ 750.00 PhilHealth, ₱ 200.00 Pag-IBIG and ₱ 1,007.55 withholding tax.
What deductions are taken from my salary?
The mandatory deductions are the employee shares of SSS, PhilHealth and Pag-IBIG, plus withholding tax. Your payslip may also show loans, absences or other company deductions that are not included here.
Does take-home pay include the 13th month pay?
No. 13th month pay and other bonuses are left out. Use the 13th month pay calculator to estimate them.
How is take-home pay per payday computed?
The monthly take-home pay is multiplied by 12 and divided by the number of paydays in a year for your pay frequency, for example 24 when you are paid twice a month.