Find out your exact Philippines take-home pay. On a ₱1,200,000 gross salary, you'd take home about ₱79,788 a month after BIR tax, SSS, PhilHealth, and Pag-IBIG, an effective rate of roughly 20.2%. Enter any gross salary below for your exact figures, bracket by bracket.
Top BIR rate
35%
above ₱8,000,000
Tax-free threshold
₱250,000
annual taxable income
SSS cap
₱1,750/mo
5% of ₱35,000 MSC
Basis
TRAIN Law
unchanged since 2023
BIR TRAIN graduated PIT + SSS/PhilHealth/Pag-IBIG only. Models the national salaried baseline. The 8% flat-tax option for self-employed/freelancers is out of scope for this calculator, see our dedicated freelancer insight for that comparison.
2026 TRAIN Law rates
0% up to ₱250,000, rising to 35% above ₱8M. Plus SSS (5%, capped), PhilHealth (2.5%), and Pag-IBIG (2%, capped), all deducted before tax.
Common salaries:
Annual take-home pay
₱662,780
Per month
₱55,232
Per week
₱12,746
Effective tax rate
17.2%
How your ₱800,000 is split
₱662,780
82.8%
₱93,820
11.7%
₱43,400
5.4%
| Gross salary | ₱800,000 |
| SSS | -₱21,000 |
| PhilHealth | -₱20,000 |
| Pag-IBIG | -₱2,400 |
| Income tax (BIR TRAIN) | -₱93,820 |
| Total deductions | -₱137,220 |
| Net take-home (annual) | ₱662,780 |
Calculations use 2026 BIR TRAIN Law graduated PIT brackets plus SSS, PhilHealth, and Pag-IBIG employee contribution rules. Models the national salaried baseline only, it does not include the 8% flat-tax option for self-employed/freelancers, 13th-month pay, or de minimis benefits. For precise figures, consult the BIR or a tax professional.
A Philippines payslip deducts three mandatory contributions before income tax even applies. SSS takes 5% of your Monthly Salary Credit (capped at a ₱35,000 MSC, so a maximum of ₱1,750/month), PhilHealth takes 2.5% of your monthly basic pay (with a ₱10,000 floor and ₱100,000 ceiling on the contribution base), and Pag-IBIG takes 2% of monthly compensation, capped at just ₱200/month.
Whatever's left after those three deductions is your taxable income, which then runs through the TRAIN Law's six graduated brackets: 0% up to ₱250,000, rising through 15%, 20%, 25%, 30%, and up to 35% above ₱8,000,000. These rates have held steady since 2023 (the planned Phase 3 cut never happened), so 2026 uses the identical table.
What this calculator deliberately leaves out is the 13th-month pay (taxed separately, with the first ₱90,000 combined with other de minimis benefits typically exempt) and the 8% flat-tax option, which only applies to self-employed individuals and professionals, not salaried employees.
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The TRAIN Law (RA 10963) uses six progressive brackets, from 0% on annual taxable income up to ₱250,000, up to 35% on amounts over ₱8,000,000. These rates have been in effect since 2023 (there was no further Phase 3 cut), so 2026 uses the identical table. Each bracket has a fixed base tax plus a percentage of the amount over the bracket floor, so your marginal rate is always higher than your effective (overall) rate.
They're the three mandatory employee contributions deducted before income tax is calculated. SSS is 5% of your Monthly Salary Credit (capped at a ₱35,000 MSC, so max ₱1,750/month), PhilHealth is 2.5% of monthly basic pay (floor ₱10,000, ceiling ₱100,000 contribution base), and Pag-IBIG is 2% of monthly compensation, capped at ₱200/month. All three reduce your taxable income before BIR tax applies.
Yes. Annual taxable income (after SSS, PhilHealth, and Pag-IBIG are deducted) up to ₱250,000 is taxed at 0%. That's roughly ₱20,833/month before any income tax kicks in, though your gross salary can be somewhat higher than that since contributions come off first.
The 8% flat tax is an optional regime for self-employed individuals and professionals (not salaried employees), applied to gross receipts over ₱250,000 instead of the graduated table plus percentage tax. It's a completely different calculation from this salaried-employee calculator. See our dedicated 8% vs graduated insight for how the two compare.
No. The 13th-month pay (and other de minimis benefits) has its own tax treatment, with the first ₱90,000 combined typically tax-exempt, and isn't included in this calculator's annual salary figures.
It uses the TRAIN Law graduated BIR table (unchanged since 2023) and 2026 SSS, PhilHealth, and Pag-IBIG contribution rates and caps, for a salaried employee with no dependents. It doesn't model 13th-month pay, de minimis benefits, or the 8% flat-tax freelancer option. Always verify with the BIR or a tax professional for precise figures.
Related reading
Go deeper on the mechanics behind these numbers, or see how the Philippines stacks up against the UK.
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