💰 Kalkulator ng Netong Saheldo — Pilipinas 2026Net Salary Calculator Philippines 2026
I-type lang ang gross monthly salary mo, kukunin na namin ang SSS, PhilHealth, Pag-IBIG at withholding tax — para alam mo ang totoong take-home pay.
Your salary
Uses 2026 rates: SSS 5% employee share (MSC cap ₱35k), PhilHealth 5% (cap ₱100k salary), Pag-IBIG 2% (cap ₱10k), and the TRAIN graduated income tax table.
Where your sweldo goes
Lalabas ang sagot dito. 👆
Understanding your payslip (FAQ)
Bakit maliit ang take-home ko vs gross?
Mandatory deductions: SSS (5% employee share of your MSC up to ₱35,000), PhilHealth (half of a 5% premium on your basic salary), Pag-IBIG (2%, capped), then withholding tax on what remains. The higher you earn, the bigger the tax bite — but also the bigger the take-home in absolute terms.
Accurate ba ang calculator na ito?
We use published 2026 contribution schedules and the TRAIN graduated tax table, annualizing your salary for tax (the standard method). Your HR's payroll may differ slightly (e.g., different MSC settings or other deductions like loans/COOP).
May allowance ako, kasali ba?
Allowances that are NOT part of basic salary are generally not subject to SSS/PhilHealth/Pag-IBIG, but some are taxable. This tool estimates based on basic salary only, the standard case.