Work out your take-home pay in the Philippines for 2026. On a ₱50,000 monthly salary you take home about ₱42,232 a month after BIR withholding tax, SSS, PhilHealth and Pag-IBIG, which is 15.5% of your gross in deductions. Enter your own monthly or annual salary for the full breakdown.
Rates verified How we check rates
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
₱506,780
Per month
₱42,232
Per week
₱9,746
Effective tax rate
15.5%
How your ₱600,000 is split
₱506,780
84.5%
₱54,820
9.1%
₱38,400
6.4%
| Gross salary | ₱600,000 |
| SSS | -₱21,000 |
| PhilHealth | -₱15,000 |
| Pag-IBIG | -₱2,400 |
| Income tax (BIR TRAIN) | -₱54,820 |
| Total deductions | -₱93,220 |
| Net take-home (annual) | ₱506,780 |
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.
Monthly figures for an employee in 2026, PayMetric Labs' own modeled estimate on basic pay with no taxable allowances.
| Gross a month | SSS | PhilHealth | Pag-IBIG | Withholding tax | Take-home |
|---|---|---|---|---|---|
| ₱20,000 | ₱1,000 | ₱500 | ₱200 | ₱0 | ₱18,300 |
| ₱30,000 | ₱1,500 | ₱750 | ₱200 | ₱1,008 | ₱26,543 |
| ₱40,000 | ₱1,750 | ₱1,000 | ₱200 | ₱2,618 | ₱34,432 |
| ₱50,000 | ₱1,750 | ₱1,250 | ₱200 | ₱4,568 | ₱42,232 |
| ₱75,000 | ₱1,750 | ₱1,875 | ₱200 | ₱9,669 | ₱61,506 |
| ₱100,000 | ₱1,750 | ₱2,500 | ₱200 | ₱15,763 | ₱79,788 |
| ₱150,000 | ₱1,750 | ₱2,500 | ₱200 | ₱28,263 | ₱117,288 |
| ₱200,000 | ₱1,750 | ₱2,500 | ₱200 | ₱42,207 | ₱153,343 |
Two things stand out. Up to about ₱22,700 a month there is no income tax at all, because pay after contributions stays under ₱250,000 a year. And the contributions stop growing: SSS is capped from ₱35,000 a month and PhilHealth from ₱100,000, so above those levels almost every extra peso is taxed at your bracket rate only.
The tax is worked out on taxable pay, which is your gross less SSS, PhilHealth and Pag-IBIG. The annual table is the law; the monthly column is the same table divided by twelve.
| Taxable pay a year | About, a month | Tax for the year |
|---|---|---|
| Up to ₱250,000 | Up to ₱20,833 | None |
| ₱250,000 to ₱400,000 | ₱20,833 to ₱33,333 | 15% of the amount over ₱250,000 |
| ₱400,000 to ₱800,000 | ₱33,333 to ₱66,667 | ₱22,500 plus 20% of the amount over ₱400,000 |
| ₱800,000 to ₱2,000,000 | ₱66,667 to ₱166,667 | ₱102,500 plus 25% of the amount over ₱800,000 |
| ₱2,000,000 to ₱8,000,000 | ₱166,667 to ₱666,667 | ₱402,500 plus 30% of the amount over ₱2,000,000 |
| Over ₱8,000,000 | Over ₱666,667 | ₱2,202,500 plus 35% of the amount over ₱8,000,000 |
Your 13th month pay is not in these figures. It is tax-free up to ₱90,000 together with other benefits, and you can work it out with the 13th month pay calculator. Freelancers and professionals choosing between the 8% rate and this table should use the freelancer tax calculator.
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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About ₱42,232 a month. From ₱50,000 gross, SSS takes ₱1,750, PhilHealth ₱1,250 and Pag-IBIG ₱200, and BIR withholding tax on what is left comes to about ₱4,568. That is PayMetric Labs' own estimate for an employee on basic pay only, with no taxable allowances.
Four common reasons. Your pay includes taxable allowances, overtime or commissions on top of basic pay. Your employer withholds on a semi-monthly table, so each cut-off looks different from a monthly average. Absences or late deductions lowered your gross. Or it is December, when employers annualise your tax for the year and the last payslip carries the adjustment, up or down. Your BIR Form 2316 shows the full-year figures.
No. A minimum wage earner is exempt from income tax on the statutory minimum wage, and on holiday pay, overtime pay, night shift differential and hazard pay. SSS, PhilHealth and Pag-IBIG contributions still apply. This calculator applies the ordinary tax table, so it overstates the tax for a minimum wage earner.
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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