Take-Home Pay by Monthly Salary (Philippines, 2026)
What's the net take-home pay for your salary after SSS, PhilHealth, Pag-IBIG, and BIR withholding tax? Find your monthly gross below for the exact breakdown — or compute any amount with the free calculator.
| Monthly gross | Est. deductions | Net take-home |
|---|---|---|
| ₱15,000 | − ₱1,325 | ₱13,675 |
| ₱18,000 | − ₱1,550 | ₱16,450 |
| ₱20,000 | − ₱1,700 | ₱18,300 |
| ₱25,000 | − ₱2,389 | ₱22,611 |
| ₱30,000 | − ₱3,458 | ₱26,543 |
| ₱35,000 | − ₱4,526 | ₱30,474 |
| ₱40,000 | − ₱5,568 | ₱34,432 |
| ₱45,000 | − ₱6,668 | ₱38,332 |
| ₱50,000 | − ₱7,768 | ₱42,232 |
| ₱60,000 | − ₱9,968 | ₱50,032 |
| ₱70,000 | − ₱12,168 | ₱57,832 |
| ₱80,000 | − ₱14,838 | ₱65,163 |
| ₱90,000 | − ₱17,525 | ₱72,475 |
| ₱100,000 | − ₱20,213 | ₱79,788 |
| ₱120,000 | − ₱25,213 | ₱94,788 |
| ₱150,000 | − ₱32,713 | ₱117,288 |
These are estimates using the 2025 statutory contribution schedules and the BIR 2023-onward graduated tax table — the same rules the calculator uses. Tap any salary for the full monthly and per-cutoff breakdown, the tax band, and where the net could go.
How take-home pay is computed
Your net sweldo is your gross minus three statutory contributions (SSS, PhilHealth, Pag-IBIG), then minus BIR withholding tax on what remains — and only income above ₱250,000/year is taxed. The full step-by-step guide walks through each piece with the 2026 brackets and a worked example.
Educational estimates only — not tax or payroll advice. Contribution schedules and tax rules change; figures reflect the 2025 statutory schedules and the BIR 2023-onward graduated table. Real payslips differ due to allowances, de minimis benefits, salary-credit brackets, and annualization — confirm with payroll/HR and the agencies.
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