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Take-Home Pay Calculator

What reaches your bank account each payday, with allowances and loans counted.

Your numbers

Sample numbers are filled in. Tap a box and type yours.

Before deductions. Allowances go below.
Transport, phone, other cash allowances
Rice, clothing, medical (de minimis)

Results update as you type. Calculate takes you to your result.

Take-home pay

Take-home pay each kinsenas₱13,271.25₱26,542.50 a month after contributions, tax and other deductions, split into two paydays.

Pay before deductions
₱30,000.00
Contributions
−₱2,450.00
Withholding tax
−₱1,007.50
Other deductions
−₱0.00
Per month
₱26,542.50
Take-home pay each kinsenas
₱13,271.25
Taxable income
₱27,550.00
Share of gross you keep
88.5%

Uses official rates last checked 2026-10-07. How it’s computed · Sources · Change your numbers

Take-home pay each kinsenas₱13,271.25

How to use this calculator

  1. Enter your basic salary and allowances. Taxable allowances raise your withholding tax; de minimis ones don’t.
  2. Add loan payments and other deductions, then pick your pay schedule.

How it’s computed

Take-home pay = basic salary + all allowances − (SSS + PhilHealth + Pag-IBIG + withholding tax + other deductions).

Withholding tax is based on taxable income: basic salary plus taxable allowances, minus your three government contributions. Non-taxable allowances are added to your pay after tax. The yearly tax follows the TRAIN graduated rates, divided by 12 and then by your number of paydays.

Example

Jun earns ₱30,000.00 with a ₱2,000.00 rice allowance, paid twice a month.

  • Contributions: ₱1,500.00 SSS + ₱750.00 PhilHealth + ₱200.00 Pag-IBIG = ₱2,450.00.
  • Taxable income: ₱27,550.00; withholding tax ₱1,007.50 a month.
  • Take-home: ₱28,542.50 a month, or ₱14,271.25 every kinsenas.

Rates and sources used

  • SSS, effective 2025-01-01. Regular employees and employers. Compensation from MSC−250 to MSC+249.99 maps to that MSC. SSS has said no further hike until 2027. Source: SSS Circular 2024-006 (RA 11199; SSC Res. 560-s.2024): https://www.sss.gov.ph/sss-contribution-table/.Last checked 2026-10-07
  • PhilHealth, effective 2024-01-01. Based on monthly basic salary, split equally between employer and employee. Bills to cut the rate to 3.5% are not enacted as of verification. Source: RA 11223 (UHC Act); PhilHealth Circular 2020-0005 Rev. 1; PhilHealth Advisory 2026-0042: https://www.philhealth.gov.ph/advisories/2026/PA2026-0042.pdf.Last checked 2026-10-07
  • Pag-IBIG, effective 2024-02-01. Secondary verification (payroll advisories); pagibigfund.gov.ph was not machine-readable. Members may voluntarily contribute more. Source: HDMF Circular No. 460 (2024).Last checked 2026-10-07
  • BIR income tax, effective 2023-01-01. Graduated rates for purely compensation earners. SB 56 (GINHAWA) and HB 7661 propose changes but are not law as of verification. Source: RA 10963 (TRAIN) Sec. 24(A)(2)(a) and NIRC Sec. 32(B)(7)(e): https://lawphil.net/statutes/repacts/ra2017/ra_10963_2017.html.Last checked 2026-10-07

Frequently asked questions

What is the difference between taxable and non-taxable allowances?

Non-taxable allowances are de minimis benefits within BIR limits, such as rice subsidy, uniform and laundry allowance, or medical cash allowance. Most other allowances, like transportation or communication allowances paid as fixed cash, are taxable unless they are liquidated reimbursements. Your payslip or HR can tell you which is which.

Why is my first kinsenas smaller than my second?

Many employers deduct all government contributions from one cutoff, usually the second, or split them unevenly. This calculator divides the monthly total evenly between paydays, so your monthly take-home is the number to compare.

Are SSS and Pag-IBIG salary loans deducted here?

Add your monthly loan amortizations under "Other deductions". The same field works for HMO dependents, cooperative shares, and cash advances.

Do allowances increase my SSS, PhilHealth or Pag-IBIG?

This calculator bases contributions on basic salary, which is how most employers compute them. Some employers include regular allowances in the SSS computation; if so, your SSS share may be slightly higher.

This calculator provides estimates for informational purposes only. Actual payroll, taxes, contributions, loan charges, and utility costs may vary depending on your employer, provider, government rules, or specific circumstances.

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