💼 Compute Net Salary
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Compute your exact net take-home pay after SSS, PhilHealth, Pag-IBIG, and withholding tax deductions. Updated 2026 rates.
Every Filipino employee's take-home pay is reduced by four mandatory deductions. Here's how each is computed:
Employee share is 5% of the Monthly Salary Credit (MSC), with a maximum MSC of ₱35,000. Maximum employee SSS deduction: ₱1,750/month.
Employee share is 2.5% of the monthly basic salary (shared equally with employer). Floor: ₱10,000, ceiling: ₱100,000. Maximum employee share: ₱2,500/month.
2% of monthly salary, capped at ₱200/month for most employees (based on ₱10,000 maximum fund salary under HDMF Circular 460).
Income tax is computed on the taxable income (gross salary minus SSS, PhilHealth, and Pag-IBIG). Under the TRAIN Law, annual income up to ₱250,000 is tax-exempt. Tax rates range from 15% to 35% for higher incomes.