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 2026 SSS Circulars + RA 9504 + PhilHealth Advisory PA2025-0002.

Quick summary (last updated 2025-01-01): SSS MSC cap is ₱20,000 with MPF kicking in 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 is a TRAIN-law estimate, not a tax filing tool.

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

Civil status (TRAIN)

Qualified dependents (TRAIN) Maximum 4 (₱25,000 each = up to ₱100,000). Only Married or Head of Household can claim. Single status ignores this field per RA 9504.

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 TRAIN exemption breakdown (what the calculator credited)

Personal exemption (basic, ₱50K for married/HOH): —
Additional dependents (₱25K × N, max 4): —
Total creditable deductions (annual): —
⚠️ Single status + dependents: RA 9504 only allows the ₱25,000/dependent deduction to married or head of household filers. Single status ignores dependents for the purpose of TRAIN withholding, even if your BIR Form 2316 lists them. Switch the dropdown to Married or HoH to claim them here.

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, spouse/dependents, holiday pay, bonuses. Verify against your payslip / BIR Form 2316.

How we compute this

For a monthly basic of M:

SSS — pick the MSC band M falls into (61 brackets); EE contribution = regularEE + ecEE + mpfEE from SSS Circular 2024-006..010 (revised 2025 schedule).
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).
PhilHealth — 5% × clamp(M, ₱10,000, ₱100,000), split 50/50 EE/ER. Per PhilHealth Advisory PA2025-0002.
Withholding (caveat only) — TRAIN (RA 9504) graduated brackets applied to annual taxable income (M − total EE share) × 12; married/HOH approximation subtracts ₱50,000 personal exemption.
Net take-home = M − total EE share − monthly withholding.

Data sources

SSS 2025 Schedule of Contributions (effective 2026) — primary
PhilHealth Advisory PA2025-0002 — primary
Pag-IBIG / HDMF 2026 Table — mirror
RA 9504 (TRAIN Law) — primary

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 Form 2316 tax table.

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.