Salary calculator Philippines 2026 — enter your monthly gross salary below to instantly see your SSS, PhilHealth, and Pag-IBIG contributions, your estimated BIR withholding tax, and your actual net take-home pay. This free tool applies all four computations using the latest 2026 rates, so you can see exactly where your money goes before it hits your bank account.
| Deduction | Your Share | Employer Share |
|---|---|---|
| SSS Contribution | ₱0.00 | ₱0.00 |
| PhilHealth Premium | ₱0.00 | ₱0.00 |
| Pag-IBIG Contribution | ₱0.00 | ₱0.00 |
| BIR Withholding Tax | ₱0.00 | — |
| Total Deductions (from your pay) | ₱0.00 |
Estimate only. Assumes your entire gross salary is regular taxable basic pay — it does not separately account for non-taxable allowances, de minimis benefits, overtime/holiday premiums, or the 13th month pay exemption. Your Monthly Salary Credit (SSS) is estimated by rounding to the nearest official ₱500 bracket. For your exact SSS bracket, see our full SSS contribution table. Always confirm against your actual payslip or a licensed accountant for financial decisions.
How This Salary Calculator Philippines 2026 Works
The salary calculator Philippines 2026 applies four separate computations to your gross monthly salary, in this order:
- 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.
- PhilHealth: 5% of your salary (floored at ₱10,000, capped at ₱100,000), split 2.5%/2.5%.
- 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.
- 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 Salary Calculator Philippines 2026 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. You can also verify current rates on the Bureau of Internal Revenue (BIR) website.
Frequently Asked Questions About the Salary Calculator Philippines 2026
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 salary calculator Philippines 2026 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 or consult the BIR official website.
