Salary after tax calculator
Use this salary calculator to estimate take-home pay after income tax, employee contributions and other deductions. Enter your monthly salary and adjust the assumptions to match your payslip.
How this calculation works
For ordinary private-sector employees, excluding kasambahay, government employees and self-employed workers. SSS uses salary-credit brackets and a 5% employee share, PhilHealth uses 2.5% of basic pay within its floor and ceiling, Pag-IBIG uses the employee rate and ₱10,000 salary cap. Tax is an annualized regular-pay estimate divided by 12, not an exact payslip withholding calculation. Bonuses, non-taxable allowances, variable pay and year-end adjustments are excluded. PhilHealth uses the latest schedule verified here (2025), review your actual payslip or override the contribution.
Which tax rules does this use?
The graduated individual income-tax schedule comes from NIRC Section 24(A)(2), amended by Republic Act 10963 (TRAIN). These bands apply from 1 January 2023 onward. Department of Finance explanation.
| Taxable income | Annual income tax before credits |
|---|---|
| Up to ₱250,000 | ₱0 |
| Over ₱250,000 to ₱400,000 | 15% of the amount above ₱250,000 |
| Over ₱400,000 to ₱800,000 | ₱22,500 + 20% above ₱400,000 |
| Over ₱800,000 to ₱2,000,000 | ₱102,500 + 25% above ₱800,000 |
| Over ₱2,000,000 to ₱8,000,000 | ₱402,500 + 30% above ₱2,000,000 |
| Over ₱8,000,000 | ₱2,202,500 + 35% above ₱8,000,000 |
BIR published tax table, Table 2. Only the amount above your band’s lower threshold receives that band’s percentage.
An example with ₱500,000
For ₱500,000 of annual taxable income, tax is ₱22,500 + 20% × ₱100,000 = ₱42,500, before tax credits. It is not 20% of the full ₱500,000.
Taxable income is not the same as money received
The ₱250,000 band applies to annual taxable income, not automatically to gross pay, sales or bank deposits. Applicable exclusions and deductions must be established first. Zero income tax does not automatically remove registration or filing obligations.
From monthly salary to take-home pay
This estimate subtracts mandatory employee contributions from regular taxable monthly pay, annualizes the remainder, applies the table and divides tax by 12. Actual payroll withholding and year-end reconciliation can differ. Other payroll deductions reduce take-home pay but do not automatically reduce taxable pay.
SSS uses a 5% employee share of salary credits from ₱5,000 to ₱35,000 under the January 2025 schedule. PhilHealth uses a 2.5% employee share with a ₱10,000–₱100,000 basic-salary base under the verified 2025 schedule. Pag-IBIG uses 1% for monthly compensation up to ₱1,500 and 2% above, capped at a ₱10,000 fund salary. The official contribution schedules are linked below, enter your actual mandatory deductions when they differ.
Qualifying minimum-wage exemptions depend on the pay and worker’s status, not merely on being below an arbitrary monthly figure. This tool’s exempt mode is limited to qualifying exempt pay. For bonuses, use the 13th-month pay calculator, for independent work, read the online-income tax guide.
Sources & assumptions
- BIR individual income-tax tables, effective 2023 onward ↗︎
- SSS employee contribution schedule, effective January 2025 ↗︎
- SSS contribution brackets ↗︎
- PhilHealth premium schedule: 5%, salary floor and ceiling ↗︎
- Pag-IBIG maximum fund salary adjustment, February 2024 ↗︎
- BIR: mandatory deductions and the ₱90,000 benefits exemption ↗︎
Rules and sources reviewed 30 September 2026. Estimates are for planning, actual payroll and lender terms can differ.
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