Philippines Salary Tax Calculator 2026
Estimate your monthly net income by accounting for the latest BIR Income Tax brackets and mandatory SSS, PhilHealth, and Pag-IBIG contributions.
Last updated: May 2026
Monthly Net Take-home
Based on the latest BIR TRAIN Law tax brackets and 2024 contribution rates for SSS, PhilHealth, and Pag-IBIG.
Expats Tip: Most foreigners working in the Philippines are subject to the same tax rates. Ensure your visa allows for local employment.
Understanding Philippine Taxation
In 2026, Philippine employees are taxed under the TRAIN Law (Tax Reform for Acceleration and Inclusion). The system is progressive, meaning higher earners pay a larger percentage in Income Tax (PIT).
Beyond taxes, every employee must contribute to three mandatory social funds: SSS (Social Security), PhilHealth (Medical insurance), and Pag-IBIG (Housing fund). These are shared between the employer and the employee, with this tool focusing on the employee's deduction.
How to use this calculator
- 1Gross Monthly Salary — Enter your total gross salary before any taxes or social contributions.
- 2Deduct Contributions — The tool automatically subtracts your SSS, PhilHealth, and Pag-IBIG share.
- 3Calculate Taxable Income — Tax is calculated on the remaining balance after government contributions.
- 4Review Net Pay — See your final monthly take-home amount in Philippine Pesos (₱).
Formula & example
Net Pay = Gross - (Income Tax + SSS + PhilHealth + Pag-IBIG)
Example: Monthly Gross Salary of ₱50,000.
- SSS + PhilHealth + Pag-IBIG: ~₱2,700
- Income Tax (BIR): ~₱4,200
- Monthly Net Take-home: ~₱43,100
Benefits
Compliance
Stay informed about your legal tax obligations and fund contributions.
Budgeting
Plan your monthly household expenses based on your actual take-home pay.
Loan Eligibility
Understand your net income to estimate your borrowing capacity for home or car loans.
Use cases
Local Employees
BPO workers, teachers, and professionals working for local firms.
Expats in the Philippines
Foreign nationals living in Manila or Cebu on a local employment contract.
HR Professionals
Quickly estimating net pay for potential candidates during recruitment.
Frequently asked questions
Is the 13th month pay included?+
No, 13th-month pay is typically tax-exempt up to ₱90,000. This tool calculates your standard monthly pay.
Are there other deductions?+
Some companies may have additional deductions for health cards (HMO) or uniform allowances, which are not included here.
How accurate is the BIR calculation?+
This follows the 2024-2025 BIR Tax Table for annualized income. Actual payroll might vary slightly due to rounding or specific company policies.