PH Paymath

PH Net Take-Home Pay Calculator

Enter your monthly basic salary. This tool estimates your take-home pay after the employee share of SSS, Pag-IBIG, and PhilHealth, plus a TRAIN-law withholding estimate. Updated for the 2026 SSS schedule + PhilHealth Advisory PA2025-0002 + TRAIN (RA 10963).

Quick summary (last updated 2026-08-21): SSS is 15% of MSC (employer 10% + employee 5%), MSC capped at ₱20,000, with WISP/MPF on the excess above that; Pag-IBIG is 1% of MSC up to ₱1,500 (else 2%), capped at ₱200 per side; PhilHealth is 5% of monthly basic (2.5% EE / 2.5% ER) with a ₱10,000 floor and ₱100,000 ceiling. Withholding applies the TRAIN (RA 10963) graduated brackets — since 2018 there are NO personal or dependent exemptions; everyone gets the same ₱250,000 annual tax-free threshold.

Use your guaranteed monthly basic (excluding OT, holiday premium, allowances, bonuses).

Monthly breakdown

Monthly basic (gross)
₱25,000.00
SSS (employee)
₱1,250.00
Pag-IBIG (employee)
₱200.00
PhilHealth (employee)
₱625.00
Total contributions (EE)
₱2,075.00
TRAIN withholding (estimate)
₱313.75
⚠️ Verify against BIR Form 2316
Your withholding exceeds ₱15,000/month (≈ ₱180,000/year). Double-check the figure with your HR or a CPA. The TRAIN estimate assumes no de minimis or ₱90,000 non-taxable 13th-month credit; your actual withholding may be lower.
Take-home (after withholding)
₱22,611.25
Show annual taxable income used (what the calculator credited)
Gross annual (basic × 12)
—
Less: employee statutory contributions (SSS + Pag-IBIG + PhilHealth × 12)
—
Taxable income (TRAIN brackets applied here)
—

Civil status and dependents are intentionally not asked: under TRAIN (RA 10963, effective 2018) they do not affect Philippine income tax. The old ₱50,000 / ₱25,000-per-dependent exemptions were repealed.

Show employer-side costs too (for context)
SSS (employer)
₱2,530.00
Pag-IBIG (employer)
₱200.00
PhilHealth (employer)
₱625.00
Total employer share (above wage)
₱3,355.00
Total cost to employer (incl. wage)
₱25,000.00 (wage) + ₱3,355.00 (statutory share) = ₱28,355.00

Caveat-only TRAIN estimate: tax depends on de minimis deductions, holiday pay, bonuses, and the ₱90,000 combined non-taxable 13th-month + benefits cap. Verify against your payslip / BIR Form 2316.

How we compute this

For a monthly basic of M:

  1. SSS — pick the MSC band M falls into (61 brackets); total contribution is 15% of MSC (employer 10% + employee 5%), MSC capped at ₱20,000; above it, WISP/MPF applies to the excess. From SSS Circulars 2024-006..010 (revised 2025 schedule).
  2. Pag-IBIG — EE rate 1% if M ≤ ₱1,500, else 2% (capped at ₱200 per side). ER always 2% (capped at ₱200). MSC cap = ₱10,000. Per HDMF Circular 460 (Feb 2024).
  3. PhilHealth — 5% × clamp(M, ₱10,000, ₱100,000), split 50/50 EE/ER. Per PhilHealth Advisory PA2025-0002.
  4. Withholding (caveat only) — TRAIN (RA 10963) graduated brackets applied to annual taxable income (M − total EE share) × 12. No personal/dependent exemptions exist under current law; the first ₱250,000/year is simply taxed at 0%.
  5. Net take-home = M − total EE share − monthly withholding.

Data sources

Frequently Asked Questions

Why does my payslip differ from the calculator?

This tool computes (a) employee SSS contribution, (b) Pag-IBIG contribution, and (c) PhilHealth premium based on your Monthly Basic Salary, then estimates TRAIN withholding. Your payslip may include allowances, bonuses, de minimis, and union dues deductions that change the taxable amount. The TRAIN estimate is a caveat-only calculation — your employer withholds per the BIR withholding tables on BIR Form 2316.

Does marital status or dependents change my withholding?

No. Since the TRAIN Act (RA 10963) took effect on 1 January 2018, personal exemptions (₱50,000) and additional exemptions (₱25,000 per dependent) no longer exist. Every compensation income earner gets the same ₱250,000 annual tax-free threshold regardless of civil status or number of dependents. Any calculator still subtracting those exemptions is using pre-2018 rules.

Why is my Meralco bill different when I plug the same kWh?

The Meralco tool uses August 2026 rates; verify your bill is on the same month. New AWAT refunds were applied starting August 2026 — if your bill is from July 2026 or earlier, the rates were ₱14.8261/kWh (typical) and you won't see the refunds.

What does "20th of January 2027" mean for my take-home?

That's when the second tranche of Wage Order NCR-27 takes effect: the NCR non-agri minimum wage rises from ₱755 to ₱780/day (25 July 2026 → ₱755; 20 January 2027 → ₱780). If you're outside NCR, your region follows your own wage order — see the regional minimum wage tool.

This calculator is informational only. Verify every figure against your latest payslip and your HR/Accounting — statutory rates change and your employer's payroll vendor may round differently.