Best Free Net Salary Calculator Philippines 2026 — Instant Results
The net salary calculator Philippines 2026 instantly computes your exact take-home pay after all mandatory government deductions — SSS, PhilHealth, and Pag-IBIG. Enter your gross monthly salary below and get your complete salary breakdown in seconds.
Works for employed, self-employed, and OFW members using verified 2026 rates.
⚠️ Note: This is an independent informational website. Always verify deductions with your HR or payroll department. Withholding tax is not included as it varies per individual.
How to Use the Net Salary Calculator Philippines 2026
Using the net salary calculator Philippines 2026 takes less than 30 seconds:
- Enter your monthly basic salary — use your basic pay only, not including allowances or overtime
- Select your employment type — employed, self-employed, or OFW
- Click Compute Net Salary — your complete breakdown appears instantly
The calculator uses the latest 2026 government-mandated rates for SSS, PhilHealth, and Pag-IBIG to give you the most accurate estimate possible.
Understanding Your Salary Deductions 2026
Every employed Filipino has three mandatory government deductions taken from their monthly salary:
| Deduction | 2026 Rate | Your Share | Employer Share | What It Covers |
|---|---|---|---|---|
| SSS | 15% of MSC | 5% | 10% | Retirement, disability, death, sickness, maternity, loans |
| PhilHealth | 5% of basic salary | 2.5% | 2.5% | Hospital bills, medical procedures, outpatient care |
| Pag-IBIG | 1-2% of salary (max ₱200) | 1-2% | 2% | Housing loans, multi-purpose loans, savings |
Sample Net Salary Computations 2026
Here are sample take-home pay computations for common salary levels:
| Gross Salary | SSS | PhilHealth | Pag-IBIG | Total Deductions | Net Take-Home |
|---|---|---|---|---|---|
| ₱10,000 | ₱500 | ₱250 | ₱200 | ₱950 | ₱9,050 |
| ₱15,000 | ₱750 | ₱375 | ₱200 | ₱1,325 | ₱13,675 |
| ₱20,000 | ₱1,000 | ₱500 | ₱200 | ₱1,700 | ₱18,300 |
| ₱25,000 | ₱1,250 | ₱625 | ₱200 | ₱2,075 | ₱22,925 |
| ₱30,000 | ₱1,500 | ₱750 | ₱200 | ₱2,450 | ₱27,550 |
| ₱40,000 | ₱1,750 | ₱1,000 | ₱200 | ₱2,950 | ₱37,050 |
| ₱50,000 | ₱1,750 | ₱1,250 | ₱200 | ₱3,200 | ₱46,800 |
Note: These figures show employee deductions only and exclude withholding tax. Actual take-home pay may be lower depending on your tax bracket and other deductions.
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Frequently Asked Questions — Net Salary Calculator Philippines 2026
What is basic salary vs gross salary?
Basic salary is your fixed monthly pay before any allowances or bonuses. Gross salary includes basic pay plus allowances, overtime, and other monetary benefits. Government deductions (SSS, PhilHealth, Pag-IBIG) are computed based on basic salary only — not allowances.
Is withholding tax included in this calculator?
No — withholding tax is not included because it depends on your specific tax bracket, exemptions, and whether you have dependents. For a complete computation including tax, consult your HR or payroll department.
What are the 2026 SSS contribution rates?
15% of your Monthly Salary Credit (MSC). Employees pay 5% and employers pay 10%. The maximum MSC is ₱35,000, making the maximum employee contribution ₱1,750/month. See our SSS Contribution Table 2026 for the full breakdown.
What are the 2026 PhilHealth rates?
5% of monthly basic salary — split equally between employee (2.5%) and employer (2.5%). The income floor is ₱10,000 and ceiling is ₱100,000. See our PhilHealth Contribution Table 2026 for full details.
What are the 2026 Pag-IBIG rates?
1% for salaries ₱1,500 and below, 2% for salaries above ₱1,500 — capped at ₱200/month employee share. The Maximum Fund Salary is ₱10,000. See our Pag-IBIG Contribution Table 2026 for full details.
How is OFW salary deduction different?
OFWs pay the full SSS contribution themselves (no employer share) at 15% of MSC, with a minimum MSC of ₱8,000. PhilHealth and Pag-IBIG also require OFWs to pay both shares themselves.
Why does my actual take-home pay differ from this calculator?
Several reasons: withholding tax not included, company loans or cash advances deducted, late deductions, union dues, or other company-specific deductions. This calculator covers mandatory government deductions only.
Can I use this for semi-monthly payroll?
This calculator shows monthly deductions. For semi-monthly (twice a month) payroll, divide each deduction by 2 to get your per-paycheck deduction.
Complete Philippine Contribution Tables 2026
For the full detailed contribution tables used in this calculator:
- SSS Contribution Table 2026 — complete rates for all member types
- PhilHealth Contribution Table 2026 — updated 5% premium rates
- Pag-IBIG Contribution Table 2026 — updated rates under HDMF Circular 460
- Need a Loan? — compare SEC-registered online lenders
Last updated: May 2026. Rates based on official government circulars. Always verify with your HR department or the official government websites. Finance Max is not affiliated with SSS, PhilHealth, Pag-IBIG, or any government agency.
