PH Paymath
A small cluster of free, sourced calculators for Filipino payroll, household bills, and benefits math. Every value is tied to a public source URL — SSS circulars, NWPC wage orders, BIR rulings — and the rate data is dated at build time.
What's here (last updated 2026-08-20):
- NCR Wage Order NCR-27 effective 25 July 2026 (₱695 → ₱755/day), second tranche 20 January 2027 (₱780/day). OCR-verified from the PDF.
- August 2026 Meralco residential rates: ₱14.7833/kWh (200-kWh band). Includes AWAT Refund/Collect 1 + new Refund/Collect 2.
- SSS contributions per Circulars 2024-006..010 (revised 2025 schedule). 61 MSC brackets.
- Pag-IBIG at 2% on incomes above ₱1,500 (HDMF Circular 460, ₱200 per-side cap).
- PhilHealth at 5% on MBS (2.5% EE / 2.5% ER) per PA2025-0002.
- 2026 holiday list per Proclamation 1006 (OCR-verified).
Calculators
- Net Take-Home Pay Calculator
Monthly take-home after SSS, Pag-IBIG, PhilHealth, and TRAIN withholding. Default ₱25,000 basic → ₱22,611 take-home.
Sources: 2026 SSS Circulars, PhilHealth PA2025-0002 - Meralco Bill Estimator (Aug 2026)
Per-kWh breakdown plus estimated total bill. Default 200 kWh → ₱2,802 (incl. 12% VAT).
Sources: August 2026 Meralco Schedule of Rates - OT & Night Differential Matrix
Hourly premium per Labor Code Art. 87 + 2026 Proclamation 1006. Pick a date to auto-classify the day type.
Sources: Proclamation 1006 (2026 holidays) - 13th Month Pay Calculator (PD 851)
Basic salary ÷ 12, with ₱90,000 non-taxable cap. All private-sector employees covered (2021 amendment).
Sources: PD 851 as amended (RA 10653) - Decimal Hours ↔ HH:MM Converter
Pure-arithmetic converter for BPO timekeeping. Both directions supported, seconds precision.
Sources: Pure arithmetic (no statute) - Regional Minimum Wage (NCR + IV-A + III)
Rate in effect today per region, with scheduled tranches labeled (NCR ₱755 now → ₱780 on 20 Jan 2027).
Sources: OCR-verified Wage Order NCR-27 - Data tables — single source of truth
All 10 rate tables in their raw JSON form with sources and effective dates. Useful for auditors and AI crawlers.
Sources: Updated each rate refresh cycle
How we keep this honest
This site is for estimation and education, not tax filing or wage certification. Every calculator shows its sources at the bottom of the page, and we update rate tables when agency circulars change — typically when the Bureau of Internal Revenue or DOLE publishes new schedules. The Privacy page documents what we collect (essentially nothing — Cloudflare Web Analytics is cookie-free and aggregated). Discrepancies we know about are listed in each tool's data sheet.
What we are NOT
- Not a tax filing service. We do not file anything on your behalf with BIR.
- Not an employer. We don't process payroll.
- Not affiliated with SSS, Pag-IBIG, PhilHealth, BIR, DOLE, Meralco, or any union.
- Not a substitute for your payslip or BIR Form 2316. Those are the source of truth.
FAQs
Where do the numbers come from?
Each calculator page links its source — typically the agency PDF, DOLE/NWPC circular, or BIR reference. We trace primary sources whenever the table is image-only (e.g., Wage Order NCR-27 was OCR'd via the macOS Vision framework on 2026-08-20).
Why are some tools "CAVEAT-ONLY"?
The TRAIN withholding in the Net Take-Home tool is an estimate, not a tax filing tool. Per playbook §4 of our roadmap, we don't ship a standalone TRAIN calculator until we can clearly disclaim — but the Net Take-Home caveat is mandatory context for any Philippine take-home discussion.
How do I trust the numbers?
Each tool page has a "Data sources" section at the bottom. Sourced numbers are checked monthly; the last-updated date is in the footer of every page.