Tax Calculator Philippines
Enter your monthly gross salary to see your estimated take-home pay after mandatory contributions (SSS, PhilHealth, Pag-IBIG) and BIR withholding tax under the current TRAIN-law table.
Estimates for a private-sector employee under the TRAIN-law tax table (rates effective 2023 onward) with 2025 SSS, PhilHealth, and Pag-IBIG rates. Actual payroll may differ (de minimis benefits, 13th-month pay exemption, employer-specific policies). Not tax advice.
How it works
The calculation follows standard Philippine payroll order: SSS, PhilHealth, and Pag-IBIG employee shares come off your gross salary first, because they are excluded from taxable income. The remaining amount is annualized and run through the BIR's TRAIN-law tax table, and the annual tax is divided back into a monthly withholding figure.
The first ₱250,000 of annual taxable income is completely tax-free — which is why salaries around ₱20,000–₱21,000 a month typically have zero income tax withheld, with only contributions deducted.
FAQ
How is Philippine income tax computed?
Mandatory contributions are deducted from gross pay first; the remainder is taxable income. Annualized taxable income up to ₱250,000 is tax-free; above that, graduated rates from 15% to 35% apply under the TRAIN law.
What are the SSS, PhilHealth, and Pag-IBIG employee rates?
SSS: 5% of your Monthly Salary Credit (capped at ₱35,000 MSC → max ₱1,750). PhilHealth: 2.5% of monthly basic salary between ₱10,000 and ₱100,000. Pag-IBIG: 2% of salary up to ₱10,000 → max ₱200.
Is 13th-month pay included in this calculation?
No. 13th-month pay and other benefits up to ₱90,000 per year are tax-exempt and separate from your regular monthly withholding.
Why is my payslip slightly different?
Employers may apply the BIR's semi-monthly withholding table, prorate contributions differently, or include allowances and de minimis benefits. This calculator shows the standard monthly computation.