Take-home pay calculator: The Philippines
Enter a gross annual salary to estimate income tax (train), SSS, PhilHealth & Pag-IBIG and what you keep each month and week in the Philippines. It runs in your browser using the 2026 rules below.
Updated 2026-11-01 · Methodology
- Income tax (TRAIN)
- ₱45,820
- SSS
- ₱21,000
- PhilHealth
- ₱13,846
- Pag-IBIG
- ₱2,400
- Effective rate
- 13.8%
Net per year
₱516,934
Per month
₱43,078
Per week
₱9,941
Estimate only — not tax advice.
2026 income tax brackets
Taxable compensation (after contributions and exempt 13th-month pay)
| Band | Rate |
|---|---|
| ₱0 – ₱250,000 | 0% |
| ₱250,000 – ₱400,000 | 15% |
| ₱400,000 – ₱800,000 | 20% |
| ₱800,000 – ₱2,000,000 | 25% |
| ₱2,000,000 – ₱8,000,000 | 30% |
| Over ₱8,000,000 | 35% |
- 13th-month pay and other benefits exempt up to ₱90,000
SSS, PhilHealth & Pag-IBIG
- SSS: 5% of the monthly salary credit (₱5,000–₱35,000), max ₱1,750/month
- PhilHealth: 2.5% of monthly basic salary between ₱10,000 and ₱100,000
- Pag-IBIG: 2% of monthly compensation up to ₱10,000 (max ₱200/month)
Example salaries
| Gross | Income tax | Contributions | Net / year | Net / month | Effective |
|---|---|---|---|---|---|
| ₱300,000 | ₱570 | ₱23,123 | ₱276,307 | ₱23,026 | 7.9% |
| ₱500,000 | ₱27,820 | ₱34,938 | ₱437,242 | ₱36,437 | 12.6% |
| ₱800,000 | ₱81,820 | ₱41,862 | ₱676,318 | ₱56,360 | 15.5% |
| ₱1,500,000 | ₱241,650 | ₱53,400 | ₱1,204,950 | ₱100,413 | 19.7% |
| ₱3,000,000 | ₱659,480 | ₱53,400 | ₱2,287,120 | ₱190,593 | 23.8% |
Assumptions
- The gross annual salary you enter is 12 monthly salaries plus a 13th-month payment of the same size (13 equal payments).
- Private-sector employee; contributions are taken on the monthly salary; no de minimis benefits or other allowances.
Sources (2026)
FAQ
How much is take-home pay on ₱600,000 in the Philippines?
About ₱516,934 a year (₱43,078 a month) under the 2026 rules, after ₱45,820 of income tax and ₱37,246 of SSS, PhilHealth & Pag-IBIG. Effective rate: 13.8%. This is an estimate.
What does this calculator assume?
The gross annual salary you enter is 12 monthly salaries plus a 13th-month payment of the same size (13 equal payments). Private-sector employee; contributions are taken on the monthly salary; no de minimis benefits or other allowances.
Is this tax advice?
No. It is an estimate from published rates for a typical employee. Your payslip can differ because of other income, credits, reliefs or employer schemes. Check with the tax authority or a qualified adviser.
Related
Not tax advice. Figures are estimates for a single employee with salary income only, based on the published 2026 rules. See our methodology.