CalcunetSalary Calculator (Philippines)
See your full gross-to-net breakdown — SSS, PhilHealth, Pag-IBIG, and withholding tax — from a single monthly gross salary figure.
| Gross monthly salary | ₱35,000.00 |
| SSS employee share | -₱1,750.00 |
| PhilHealth employee share | -₱875.00 |
| Pag-IBIG employee share | -₱200.00 |
| Taxable income | ₱32,175.00 |
| Withholding tax | -₱1,701.25 |
Net monthly take-home pay
₱30,473.75
What each deduction actually pays for
- SSS funds retirement pensions, disability, sickness, maternity, and death benefits — see the SSS pension and maternity calculators to estimate what your contributions translate to later.
- PhilHealth funds your national health insurance coverage, split evenly between you and your employer.
- Pag-IBIG builds a forced savings fund you can eventually withdraw or borrow against — including for the Pag-IBIG housing loan program.
- Withholding tax is your advance payment toward annual income tax, reconciled against your actual tax due at year-end.
Salary calculator FAQ
What deductions does this calculator include?
The three mandatory government contributions — SSS, PhilHealth, and Pag-IBIG (employee shares only) — plus withholding tax computed on what's left after those contributions. It doesn't include voluntary deductions like loans, HMO premiums, or union dues, which vary by employer and employee.
Why is my actual payslip different from this estimate?
Common reasons: your employer applies additional deductions this calculator doesn't know about (loans, tardiness, HMO), your actual Monthly Salary Credit differs slightly from the exact stepped bracket used here, or your pay includes allowances/overtime that change your taxable base. Treat this as a close estimate, not a payslip replacement.
Does this work for daily-rate or hourly employees?
No — enter your gross monthly salary as if you were paid a fixed monthly rate. Daily-rate and hourly employees should first estimate their expected monthly gross (rate x days or hours typically worked in a month) before using this calculator.
How much of my salary goes to government contributions versus tax?
For most mid-range salaries, SSS + PhilHealth + Pag-IBIG together take a larger bite than withholding tax does — contributions are a flat percentage of your salary credit from peso one, while the first ₱250,000 of annual taxable income is tax-free. The balance shifts toward tax as your salary rises into higher brackets.