Salary Calculator Philippines 2026 (SSS, PhilHealth, Pag-IBIG, Tax)

Last updated: August 2026 — rates current under RA 11199 (SSS), current PhilHealth premium schedule, and the TRAIN Law (RA 10963) withholding tax brackets.Enter your monthly gross salary below to see your SSS, PhilHealth, and Pag-IBIG contributions, your estimated BIR withholding tax, and your actual net take-home pay — all computed using the 2026 rates.

How This Calculator Works

The calculator applies four separate computations to your gross monthly salary, in this order:

1. SSS: Your salary is mapped to the nearest official Monthly Salary Credit (MSC) bracket, then 15% of that MSC is split 5% employee / 10% employer (or paid in full by self-employed and voluntary members). See the full SSS contribution table 2026 for exact bracket boundaries.
2. PhilHealth: 5% of your salary (floored at ₱10,000, capped at ₱100,000), split 2.5%/2.5%.
3. Pag-IBIG: 2% of your salary up to a ₱10,000 cap, split 2%/2% (1% employee share if you earn ₱1,500 or below). See our full Pag-IBIG contribution table 2026.
4. Withholding Tax: Your salary minus your SSS, PhilHealth, and Pag-IBIG shares becomes your taxable income, which is then run through the TRAIN Law's graduated brackets — the first ₱20,833.33/month (₱250,000/year) is tax-free.

What This Calculator Doesn't Account For

To keep the tool simple, it assumes your full input amount is regular taxable basic salary. It does not separately model:

• 13th month pay and bonuses — the first ₱90,000/year is tax-exempt and handled separately at year-end.
• De minimis benefits — rice subsidy, uniform allowance, and similar non-taxable perks reduce your actual taxable income if your employer provides them.
• Overtime, holiday, and night differential pay — these are taxable but may push you into a different bracket than your base salary alone suggests.

For an exact figure, check your payslip or BIR Form 2316, or consult a licensed accountant.

Frequently Asked Questions

Q: How much SSS, PhilHealth, and Pag-IBIG do I pay on a ₱30,000 salary? A: At ₱30,000, your MSC rounds to ₱30,000, giving an SSS employee share of ₱1,500. PhilHealth is 2.5% of ₱30,000 = ₱750. Pag-IBIG is capped at ₱200 (2% of the ₱10,000 ceiling). Enter your exact figure above for withholding tax and net pay.Q: Why is my Pag-IBIG contribution the same regardless of my salary? A: Pag-IBIG contributions are computed on salary only up to a ₱10,000 ceiling, so anyone earning ₱10,000 or more pays the same fixed ₱200 employee share. See our full Pag-IBIG contribution table for details.Q: Do self-employed and freelance workers pay more? A: Yes — without an employer to split the cost, self-employed and voluntary members pay the full SSS (15%), PhilHealth (5%), and Pag-IBIG (up to 4%) contributions themselves.Q: Is this calculator accurate for BIR filing purposes? A: It's a close estimate for typical salaried employees but should not be used for official tax filing. Non-taxable allowances, bonuses, and year-end annualization can change your actual liability — always confirm against your BIR Form 2316.Disclaimer: NationalIDDigital.ph is an independent resource and is not affiliated with the SSS, PhilHealth, Pag-IBIG Fund, or the Bureau of Internal Revenue. This calculator is provided for general estimation only and does not constitute financial, tax, or legal advice.