How to Budget Your Salary in the Philippines
Paano mag-budget ng sweldo? Start from your take-home, not the gross, then split it into needs, family, ipon and wants. The split changes with income: on a smaller net, needs take a bigger share; as pay rises, more goes to ipon. Pick your salary for the full peso plan, cutoff by cutoff.
| Monthly salary | Take-home | Needs | Ipon | Wants |
|---|---|---|---|---|
| ₱15,000 | ₱13,675 | ₱8,850 | ₱2,125 | ₱1,350 |
| ₱18,000 | ₱16,450 | ₱10,650 | ₱2,500 | ₱1,650 |
| ₱20,000 | ₱18,300 | ₱11,950 | ₱2,650 | ₱1,850 |
| ₱25,000 | ₱22,611 | ₱12,400 | ₱4,561 | ₱3,400 |
| ₱30,000 | ₱26,543 | ₱14,650 | ₱5,243 | ₱4,000 |
| ₱35,000 | ₱30,474 | ₱16,800 | ₱6,074 | ₱4,550 |
| ₱40,000 | ₱34,432 | ₱18,950 | ₱6,882 | ₱5,150 |
| ₱45,000 | ₱38,332 | ₱21,100 | ₱7,632 | ₱5,750 |
| ₱50,000 | ₱42,232 | ₱19,000 | ₱12,682 | ₱6,350 |
| ₱60,000 | ₱50,032 | ₱22,500 | ₱15,032 | ₱7,500 |
| ₱70,000 | ₱57,832 | ₱26,000 | ₱17,382 | ₱8,650 |
| ₱80,000 | ₱65,163 | ₱29,300 | ₱19,613 | ₱9,750 |
| ₱90,000 | ₱72,475 | ₱32,600 | ₱21,775 | ₱10,850 |
| ₱100,000 | ₱79,788 | ₱35,900 | ₱23,938 | ₱11,950 |
| ₱120,000 | ₱94,788 | ₱42,650 | ₱28,438 | ₱14,200 |
| ₱150,000 | ₱117,288 | ₱52,750 | ₱35,188 | ₱17,600 |
The 3 rules behind every plan
- Pay yourself first. Ipon and bills come out of the 15th cutoff, before spending.
- Rent at most 30% of take-home. Above that, wants or ipon pay the difference.
- Emergency fund first: 3 months of needs, in a high-yield account, before investing.
Related guides
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