Tax Calculator Philippines 2026
Monthly Salary
Contributions
Tax Computation
Estimates are based on 2025–2026 Philippine government contribution rates and the TRAIN tax law. Actual deductions may vary slightly.
Compute Your Take Home Pay Easily
Our tax calculator Philippines quickly estimates your net salary, income tax, and mandatory contributions. Whether you need a salary tax calculator Philippines, an income tax calculator Philippines, or a take home pay calculator Philippines, this tool makes it fast, simple, and accurate—giving you a clear picture of your net take home pay in seconds.
How to Use the Calculator
Using our salary tax calculator Philippines is quick and straightforward:
- Enter your monthly salary in the input field.
- The calculator will automatically compute your SSS, PhilHealth, and Pag-IBIG contributions.
- Your taxable income and estimated income tax will be displayed instantly.
- See your net take-home pay after deductions, along with a visual progress bar illustrating the proportion of deductions versus your net salary.
BIR Income Tax
The Bureau of Internal Revenue (BIR) requires employees to pay income tax based on the TRAIN law. Your taxable income is your monthly salary minus mandatory contributions (SSS, PhilHealth, Pag-IBIG).
The tax rates are progressive, meaning higher income levels are taxed at higher rates.
How to Compute Income Tax (With Examples)
To compute your income tax in the Philippines:
- Determine your gross monthly salary.
This is your total salary before any deductions. Subtract mandatory contributions to get your taxable income:
- SSS (5% of salary, capped at ₱35,000)
- PhilHealth (2.5% of salary, floor ₱10,000, ceiling ₱100,000)
- Pag-IBIG (2% of salary, capped at ₱200)
Taxable Income = Gross Salary – Total Contributions
- Apply the TRAIN tax brackets based on your taxable income:
- ≤ ₱20,833 → 0%
- ₱20,833 – ₱33,333 → 15% of excess over ₱20,833
- ₱33,333 – ₱66,667 → ₱1,875 + 20% of excess over ₱33,333
- ₱66,667 – ₱166,667 → ₱8,541.67 + 25% of excess over ₱66,667
- ₱166,667 – ₱666,667 → ₱33,541.67 + 30% of excess over ₱166,667
₱666,667 → ₱183,541.67 + 35% of excess over ₱666,667
- Subtract the computed tax from your taxable income to get your net take home pay:
Net Pay = Gross Salary – Total Contributions – Income Tax
Example 1:
- Monthly Salary: ₱50,000
- Total Contributions: ₱3,125 (SSS + PhilHealth + Pag-IBIG)
- Taxable Income: ₱46,875
Using the TRAIN tax brackets:
- ₱33,333 – ₱66,667: ₱1,875 + 20% of excess over ₱33,333
- Excess: ₱46,875 – ₱33,333 = ₱13,542
- Tax: ₱1,875 + (₱13,542 × 20%) = ₱4,583.40
- Net Take Home Pay: ₱50,000 – ₱3,125 – ₱4,583.40 = ₱42,291.60
Example 2:
- Monthly Salary: ₱25,000
- Total Contributions: ₱1,875
- Taxable Income: ₱23,125
- Tax: (₱23,125 – ₱20,833) × 15% = ₱342.00
- Net Pay: ₱25,000 – ₱1,875 – ₱342 = ₱22,783
Use our income tax calculator Philippines for instant results without manual computation.
SSS Contribution Summary
The Social Security System (SSS) helps protect employees with benefits like retirement, sickness, maternity, disability, and death coverage.
Key Points for Employees:
- Employee Contribution: 5% of your monthly salary (capped at ₱35,000).
- Employer Contribution: 10% of your monthly salary (not included in this calculator).
- WISP (Optional Savings): Any portion of your salary above ₱20,000 goes into the WISP savings program for long-term savings.
- Purpose: Contributions fund social benefits, including loans, health assistance, and pensions.
This makes it clearer why the deduction exists, the exact percentage, and gives context for employees using our tax calculator Philippines.
PhilHealth Contribution Summary
PhilHealth provides health insurance coverage for employees, ensuring access to medical care and hospitalization benefits.
Key Points for Employees:
- Premium Rate: 5% of your monthly salary.
- Employee Share: 2.5% of salary (calculated in this calculator).
- Employer Share: 2.5% of salary (not included in this calculator).
- Minimum Salary Floor: ₱10,000 → minimum employee contribution ₱250.
- Salary Ceiling: ₱100,000 → contributions stop above this amount.
- Purpose: Contributions fund medical benefits, hospitalization, and preventive healthcare programs.
Pag-IBIG Contribution Summary
Pag-IBIG (HDMF) provides savings and housing benefits for employees, including affordable housing loans and short-term loans.
Key Points for Employees:
- Employee Contribution: 2% of monthly salary (calculated in this calculator).
- Employer Contribution: 2% of monthly salary (not included in this calculator).
- Salary Base Cap: ₱10,000 → maximum employee contribution ₱200.
- Purpose: Contributions fund housing loans, savings programs, and short-term financial assistance for members.
Tax Bracket Summary (TRAIN Law, 2023–2027)
Your income tax in the Philippines depends on your taxable income, which is your salary minus mandatory contributions. The TRAIN Law provides the following brackets for employees:
| Monthly Taxable Income | Tax Computation |
|---|---|
| ≤ ₱20,833 | 0% |
| ₱20,833 – ₱33,333 | 15% of excess over ₱20,833 |
| ₱33,333 – ₱66,667 | ₱1,875 + 20% of excess over ₱33,333 |
| ₱66,667 – ₱166,667 | ₱8,541.67 + 25% of excess over ₱66,667 |
| ₱166,667 – ₱666,667 | ₱33,541.67 + 30% of excess over ₱166,667 |
| > ₱666,667 | ₱183,541.67 + 35% of excess over ₱666,667 |
Frequently Asked Questions
How much is the minimum taxable income in the Philippines?
Under the TRAIN Law, the minimum taxable income is ₱20,833 per month. If your monthly taxable income is below this threshold, you are exempt from paying income tax.
How is my net take home pay calculated?
Your net take home pay is your monthly salary minus mandatory contributions (SSS, PhilHealth, Pag-IBIG) and income tax. Our salary tax calculator Philippines automatically calculates this for you in seconds.
What are the current SSS, PhilHealth, and Pag-IBIG contributions?
- SSS: 5% of monthly salary (employee share, capped at ₱35,000)
- PhilHealth: 2.5% of monthly salary (employee share, floor ₱10,000, ceiling ₱100,000)
- Pag-IBIG: 2% of monthly salary (employee share, capped at ₱200 per month)
Can this calculator handle bonuses or 13th month pay?
No, this calculator focuses on regular monthly salary. For bonuses or 13th month pay, the taxable income may differ, and separate calculations are needed.
Does the calculator include employer contributions?
No, it only accounts for the employee share of SSS, PhilHealth, and Pag-IBIG contributions. Employer contributions are not deducted from your take home pay.
Is this calculator accurate for all employees in the Philippines?
Yes, it is based on 2025–2026 Philippine government contribution rates and the TRAIN tax law. However, actual deductions may vary slightly due to employer-specific policies or rounding differences.
How often are the tax rates and contributions updated?
Tax brackets and contribution rates are reviewed periodically by the Bureau of Internal Revenue (BIR) and relevant agencies. This calculator is updated for the latest 2025–2026 rates.
Can I use this calculator to plan my budget?
Absolutely! It provides an instant estimate of net salary and deductions, helping you plan monthly expenses and savings.
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