What is take-home pay?

Take-home pay (net pay) is the amount you actually receive after all mandatory deductions are subtracted from your gross salary. In the Philippines, these deductions include SSS, PhilHealth, Pag-IBIG contributions, and withholding tax.

What are mandatory deductions in the Philippines?

Philippine employees have four mandatory deductions: SSS (Social Security System), PhilHealth (health insurance), Pag-IBIG/HDMF (housing fund), and BIR withholding tax under the TRAIN Law. Both employee and employer share the first three; only the employee pays withholding tax.

How is withholding tax computed?

Withholding tax is computed on your taxable income (gross salary minus total employee contributions). The TRAIN Law uses progressive brackets: 0% for the first P20,833/month, then 15%, 20%, 25%, 30%, and 35% on higher income ranges.

Is 13th month pay included in monthly deductions?

No, 13th month pay is a separate benefit computed as total basic salary earned during the year divided by 12. It is tax-exempt up to P90,000. This calculator computes regular monthly deductions only.

What if I earn below P20,833 per month?

If your monthly taxable income (after SSS, PhilHealth, and Pag-IBIG deductions) is P20,833 or below, you pay zero withholding tax under the TRAIN Law. You still pay the three mandatory contributions.

Net Pay / Take-Home Pay Calculator

Enter your monthly gross salary to compute your take-home pay after SSS, PhilHealth, Pag-IBIG, and withholding tax deductions.

Monthly Gross Salary

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Legal basis: Rates based on SSS (RA 11199), PhilHealth (RA 11223), Pag-IBIG (RA 9679), and TRAIN Law (RA 10963). This calculator provides estimates for regular monthly employment income. Actual deductions may vary based on employer policies, additional allowances, overtime, or other compensation components.

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Frequently Asked Questions

What is take-home pay?: Take-home pay (net pay) is the amount you actually receive after all mandatory deductions are subtracted from your gross salary. In the Philippines, these deductions include SSS, PhilHealth, Pag-IBIG contributions, and withholding tax.
What are mandatory deductions in the Philippines?: Philippine employees have four mandatory deductions: SSS (Social Security System), PhilHealth (health insurance), Pag-IBIG/HDMF (housing fund), and BIR withholding tax under the TRAIN Law. Both employee and employer share the first three; only the employee pays withholding tax.
How is withholding tax computed?: Withholding tax is computed on your taxable income (gross salary minus total employee contributions). The TRAIN Law uses progressive brackets: 0% for the first P20,833/month, then 15%, 20%, 25%, 30%, and 35% on higher income ranges.
Is 13th month pay included in monthly deductions?: No, 13th month pay is a separate benefit computed as total basic salary earned during the year divided by 12. It is tax-exempt up to P90,000. This calculator computes regular monthly deductions only.
What if I earn below P20,833 per month?: If your monthly taxable income (after SSS, PhilHealth, and Pag-IBIG deductions) is P20,833 or below, you pay zero withholding tax under the TRAIN Law. You still pay the three mandatory contributions.

Read our full guide: What Deductions Are Taken From My Salary? →