Salary Calculator Philippines 2026: Compute Your Take-Home Pay
Planning your budget starts with knowing exactly how much lands in your bank account each payday. The **Salary Calculator Philippines 2026** breaks down your monthly gross pay into mandatory government deductions: SSS, PhilHealth, and Pag-IBIG. It then applies the Bureau of Internal Revenue (BIR) withholding tax table so you see your real take-home amount. Whether you're negotiating a new job offer, comparing two salaries, or simply making a personal budget, this free tool gives you an accurate estimate in seconds. Our calculator uses the latest TRAIN Law tax brackets effective January 2023, with annual income below ₱250,000 fully exempt from income tax. Enter your details below and the results update in real time.
Calculator
How It Works
- 1
Enter your monthly gross salary (before any deductions).
- 2
Input or adjust your SSS contribution based on your salary bracket.
- 3
Select your PhilHealth rate (5% for most employees as of 2024).
- 4
Confirm your Pag-IBIG contribution (maximum ₱200/month for employee share).
- 5
The calculator subtracts SSS + PhilHealth + Pag-IBIG to get taxable income.
- 6
BIR TRAIN Law tax brackets are applied to compute withholding tax.
- 7
Your take-home pay equals your gross salary minus SSS, PhilHealth, Pag-IBIG, and withholding tax.
Frequently Asked Questions
Under the TRAIN Law (RA 10963), annual taxable income up to ₱250,000 is exempt. Income from ₱250,001–₱400,000 is taxed at 20%, ₱400,001–₱800,000 at 25%, and so on up to 35% for income over ₱8,000,000.