Philippine Salary Calculator 2025
Calculate your SSS, PhilHealth, Pag-IBIG contributions and withholding tax
What We Calculate
- • SSS Contribution (Employee & Employer)
- • PhilHealth Premium (5% rate)
- • Pag-IBIG Contribution (1-2%)
- • Withholding Tax (BIR 2025)
- • 13th Month Pay Tax
Why Use This Calculator?
- ✓ 100% Free - No Registration
- ✓ Updated 2025 Rates
- ✓ Instant Results
- ✓ Detailed Breakdown
- ✓ Mobile Friendly
Understanding Your Salary Deductions in the Philippines
Mandatory Contributions
SSS (Social Security System)
The SSS contribution is based on your monthly salary credit (MSC) with a maximum of ₱30,000. Employee contribution rate is 4.5% while employer contributes 9.5%, totaling 14% of your MSC.
PhilHealth
PhilHealth premium rate is 5% of your monthly basic salary, shared equally (2.5% employee, 2.5% employer). The minimum salary bracket is ₱10,000 and the maximum is ₱100,000.
Pag-IBIG (HDMF)
Pag-IBIG contribution is 1% for employees earning ₱1,500 or less, and 2% for those earning above ₱1,500. The employer contributes 2%. Maximum contribution is ₱100 per month.
Withholding Tax
Based on the TRAIN Law tax table, with rates ranging from 0% to 35% depending on your annual taxable income. The first ₱250,000 of annual income is tax-exempt.
How to Use the Salary Calculator
- Enter your gross monthly salary (before any deductions)
- Click "Calculate My Net Pay"
- View your detailed breakdown including SSS, PhilHealth, Pag-IBIG, and tax
- See your net take-home pay and 13th month pay calculation