How to use it

Enter your monthly basic salary, and any allowances. Put taxable allowances and non-taxable ones (like a rice subsidy) in their own boxes. The tool shows what reaches your bank account each month and each payday.

The formula

Take-home pay = gross pay − SSS − PhilHealth − Pag-IBIG − income tax.

SSS is 5% of your Monthly Salary Credit, your salary rounded to the nearest ₱500, up to ₱35,000.
PhilHealth is 2.5% of your salary, from ₱10,000 up to ₱100,000.
Pag-IBIG is 2% of your salary up to ₱10,000, so at most ₱200.
Income tax uses the BIR table on your pay after those three.

Example: ₱25,000 a month, no allowances.

SSS ₱1,250, PhilHealth ₱625, Pag-IBIG ₱200.
Taxable pay: ₱25,000 − ₱2,075 = ₱22,925. Tax: 15% of (₱22,925 − ₱20,833) = ₱313.80.
Deductions: ₱2,388.80.
Take-home pay: ₱22,611.20 a month, or ₱11,305.60 each payday.

Common questions

What is the difference between gross and net pay?

Gross pay is your salary before anything is taken out. Net pay, or take-home pay, is what is left after government contributions and tax.

Why is my payslip lower than this?

Your employer may also take out loans (SSS, Pag-IBIG or company), HMO for dependents, or cash advances. Absences and late hours lower your gross pay too. None of those are in this tool.

Are allowances taxed?

It depends. Transport, meal and other allowances paid in cash are usually taxable. Small benefits the BIR calls de minimis, such as a rice subsidy up to ₱2,000 a month, are not.

Is the 13th month pay included?

No. This is your regular monthly pay. Use the 13th month pay calculator for that.

Last checked: 2026-09-26