Philippines Salary Calculator 2025 – How It Works and How to Use It

The Philippines Salary Calculator 2025 is an online tool that helps employees and employers estimate take-home pay by calculating deductions such as SSS, PhilHealth, Pag-IBIG, and income tax.

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What Is the Philippines Salary Calculator?

In the Philippines, an employee’s take-home pay is often different from their gross salary because of mandatory government contributions and taxes. The Philippines Salary Calculator 2025 is designed to provide a clear and transparent breakdown of these deductions. It helps workers plan their finances by showing exactly how much they will take home after deductions.

This tool is especially useful for:

• Employees negotiating salary packages
• HR professionals creating payslips
• Freelancers or contractors comparing take-home pay with salaried work
• Fresh graduates entering the workforce

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How to Use the Calculator

Here’s a step-by-step guide:

Step 1: Enter Gross Monthly Salary

Type your monthly gross salary (before deductions).
Example: ₱30,000

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Step 2: Enter SSS Contribution Rate

Enter the SSS rate (default is 4.5%, split between employee and employer, but employee share is deducted here).

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Step 3: Enter PhilHealth Contribution Rate

Input the PhilHealth rate (default is 2.75%).

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Step 4: Enter Pag-IBIG Contribution

Pag-IBIG is usually ₱100 per month (fixed minimum employee share).

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Step 5: Enter Tax Rate

Enter the withholding tax rate based on the TRAIN law tax table or company’s payroll computation.
Example: 15%

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Step 6: Click "Calculate Take-Home Pay"

The calculator will instantly display a salary breakdown:

• Gross Salary
• SSS Deduction
• PhilHealth Deduction
• Pag-IBIG Contribution
• Income Tax
• Final Net Salary (Take-Home Pay)

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Example Calculation

Suppose:

• Gross Salary: ₱30,000
• SSS: 4.5%
• PhilHealth: 2.75%
• Pag-IBIG: ₱100
• Tax Rate: 15%

Results:

• Gross Salary: ₱30,000
• SSS: ₱1,350
• PhilHealth: ₱825
• Pag-IBIG: ₱100
• Income Tax: ₱4,500
• Net Take-Home Pay: ₱23,225

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Why Use This Calculator?

• Clarity – Understand how much you’ll really earn.
• Planning – Budget more effectively with accurate figures.
• Comparison – Evaluate job offers and salary negotiations.
• Compliance – Ensure deductions match legal requirements.

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FAQ – Philippines Salary Calculator 2025

What deductions are included?

The calculator covers SSS, PhilHealth, Pag-IBIG, and income tax, the four mandatory deductions for employees.

Does the Pag-IBIG contribution always stay at ₱100?

For most employees, yes. Some companies may deduct more if the employee contributes voluntarily at a higher rate.

Is the tax calculation exact?

The calculator uses a flat percentage for demonstration. Actual withholding tax depends on TRAIN law tax brackets, marital status, and dependents. Always cross-check with your company’s payroll.

Can freelancers use this calculator?

Yes, freelancers who voluntarily pay SSS, PhilHealth, and Pag-IBIG can use it to estimate contributions, but income tax may differ.

Is this official?

No. This is an educational and planning tool. Official contributions may vary slightly depending on government updates.