How much of your salary do you actually keep?
We ran every common Philippine monthly salary through the 2026 tax rules. The pattern is clear: a ₱15,000 earner takes home about 91% of gross, but a ₱150,000 earner keeps only about 78% — and salaries up to about ₱20,000/month pay ₱0 income tax. Here's the full breakdown, salary by salary.
Every figure is computed from the 2025 SSS, PhilHealth, and Pag-IBIG schedules and the BIR 2023-onward graduated tax table — the same engine as our free calculator. Standard rank-and-file assumptions.
Percentage of gross monthly salary remaining after SSS, PhilHealth, Pag-IBIG, and BIR withholding tax. Full figures in the table below.
| Monthly gross | Deductions | Income tax | Net take-home | % kept | Eff. tax |
|---|---|---|---|---|---|
| ₱15,000 | − ₱1,325 | ₱0 | ₱13,675 | 91% | 0% |
| ₱18,000 | − ₱1,550 | ₱0 | ₱16,450 | 91% | 0% |
| ₱20,000 | − ₱1,700 | ₱0 | ₱18,300 | 92% | 0% |
| ₱25,000 | − ₱2,075 | − ₱314 | ₱22,611 | 90% | 1% |
| ₱30,000 | − ₱2,450 | − ₱1,008 | ₱26,543 | 88% | 3% |
| ₱35,000 | − ₱2,825 | − ₱1,701 | ₱30,474 | 87% | 5% |
| ₱40,000 | − ₱2,950 | − ₱2,618 | ₱34,432 | 86% | 7% |
| ₱45,000 | − ₱3,075 | − ₱3,593 | ₱38,332 | 85% | 8% |
| ₱50,000 | − ₱3,200 | − ₱4,568 | ₱42,232 | 84% | 9% |
| ₱60,000 | − ₱3,450 | − ₱6,518 | ₱50,032 | 83% | 11% |
| ₱70,000 | − ₱3,700 | − ₱8,468 | ₱57,832 | 83% | 12% |
| ₱80,000 | − ₱3,950 | − ₱10,888 | ₱65,163 | 81% | 14% |
| ₱90,000 | − ₱4,200 | − ₱13,325 | ₱72,475 | 81% | 15% |
| ₱100,000 | − ₱4,450 | − ₱15,763 | ₱79,788 | 80% | 16% |
| ₱120,000 | − ₱4,450 | − ₱20,763 | ₱94,788 | 79% | 17% |
| ₱150,000 | − ₱4,450 | − ₱28,263 | ₱117,288 | 78% | 19% |
What the numbers reveal
Three things stand out. First, lower salaries keep almost all of their gross — up to about ₱20,000/month, the only deductions are the three statutory contributions (SSS, PhilHealth, Pag-IBIG), which fund your own pension, health, and housing. Income tax is genuinely ₱0.
Second, the effective tax rate rises gradually, not sharply. Even at ₱150,000/month, the effective income-tax rate is only about 19% — far below the 30%+ headline bracket, because the Philippines taxes income in slices and only the top slice hits the higher rate. The tax band you're "in" is never the rate you actually pay on your whole salary.
Third, raises are worth less than they look after tax. Going from ₱15k to ₱150k is a 10× jump in gross, but only about a 8.6× jump in take-home — a gap worth remembering when you negotiate, since the peso that matters is the net one.
Methodology
Each row is computed with the same function that powers PesoPilot's take-home pay calculator. Statutory contributions use the 2025 SSS, PhilHealth (2.5% employee share), and Pag-IBIG schedules; income tax uses the BIR 2023-onward graduated table on annual taxable income (gross minus contributions), and only income above ₱250,000/year is taxed. Figures assume a standard rank-and-file employee with no additional taxable allowances. For the step-by-step method, see how take-home pay is computed.
Frequently asked questions
What is the average take-home pay in the Philippines?
It depends entirely on the salary. This report shows the exact net for common monthly salaries: a ₱20,000 earner keeps about 92% of gross, a ₱50,000 earner about 84%, and a ₱150,000 earner about 78% — because SSS, PhilHealth, and Pag-IBIG are flat-ish while BIR income tax is progressive, so higher earners lose a larger share to tax.
At what salary do you start paying income tax in the Philippines?
Income tax applies only to annual taxable income above ₱250,000. After subtracting SSS, PhilHealth, and Pag-IBIG, a monthly salary up to roughly ₱21,000–₱22,000 lands within the ₱250,000 exemption and pays ₱0 income tax — you still pay the three statutory contributions, which fund your own pension, health, and housing benefits.
Why does a higher salary keep a smaller percentage of gross?
Because Philippine income tax is graduated: only the income above each bracket threshold is taxed at the higher rate. Statutory contributions (SSS/PhilHealth/Pag-IBIG) are capped or flat, so as salary rises, tax becomes the dominant deduction and the effective tax rate climbs — shrinking the percentage you take home even as the peso amount keeps growing.
Are these take-home figures exact?
They are computed from the 2025 statutory contribution schedules and the BIR 2023-onward graduated tax table using the same engine as PesoPilot’s free calculator — accurate for a standard rank-and-file employee. Your real payslip can differ due to allowances, de minimis benefits, salary-credit brackets, and year-end annualization, so confirm with your payroll/HR.
Explore your salary & related guides
- Take-home pay by salary — the full breakdown for your exact monthly gross, per cutoff.
- Take-home pay calculator — enter any salary for your precise net.
- 13th month pay guide — the formula and the ₱90,000 tax-free rule.
- High-yield savings — where to keep the sweldo you don't spend.
- MP2 calculator — grow long-term money tax-free.
Educational data 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 year-end annualization — confirm with your payroll/HR and the SSS, PhilHealth, Pag-IBIG, and BIR.
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