Philippines Tax Calculator
Calculate your monthly salary breakdown with taxes and contributions
Updated on September 2025
Contributions
Tax Computation
Summary
How to Use Our Philippines Tax Calculator
Our free Philippines tax calculator helps you understand your take-home pay by calculating income tax, SSS, PhilHealth, and Pag-IBIG contributions. Whether you're a Filipino employee, freelancer, or employer, this tool provides accurate estimates based on the current TRAIN Law and 2025 contribution rates. Understanding your tax obligations is crucial for financial planning and budgeting in the Philippines.
The Philippine tax system includes mandatory contributions to social security programs and progressive income tax rates. Our calculator handles all these calculations automatically, giving you a clear breakdown of deductions and your estimated net pay. This is especially important for Filipino workers who need to plan their finances and understand their take-home pay. If you need to convert your salary between different time periods or currencies first, use our Philippines Salary Converter tool.
📋 Step-by-Step Guide:
- 1 Enter your monthly salary - Input your gross monthly salary in Philippine pesos (PHP). This should be your salary before any deductions. For example, if you earn ₱25,000 per month, enter 25000 in the salary field.
- 2 Select your pay frequency - Choose whether you're paid monthly, semi-monthly, weekly, or daily. The calculator will automatically adjust calculations based on your selection. Most Filipino employees are paid monthly or semi-monthly.
- 3 Click calculate - The calculator will automatically compute your SSS, PhilHealth, Pag-IBIG contributions, income tax, and net take-home pay. You'll see a detailed breakdown of all deductions and your estimated monthly net pay.
Philippines Tax System Overview
The Philippines tax system is governed by the Tax Reform for Acceleration and Inclusion (TRAIN) Law, which provides progressive tax rates for individual income earners. Understanding these tax brackets and mandatory contributions is essential for Filipino workers to accurately calculate their take-home pay and plan their finances effectively.
In addition to income tax, Filipino employees are required to contribute to three major social security programs: the Social Security System (SSS) for retirement and disability benefits, PhilHealth for healthcare coverage, and Pag-IBIG Fund for housing loans and savings. These contributions are automatically deducted from your salary and are mandatory for all employees in the Philippines. If you need to convert your salary between different time periods or currencies before calculating taxes, use our Philippines Salary Converter tool first.
2025 Income Tax Brackets (TRAIN Law)
| Annual Taxable Income | Tax Rate | Base Tax |
|---|---|---|
| ₱0 - ₱250,000 | 0% | ₱0 |
| ₱250,001 - ₱400,000 | 15% | ₱0 |
| ₱400,001 - ₱800,000 | 20% | ₱22,500 |
| ₱800,001 - ₱2,000,000 | 25% | ₱102,500 |
| ₱2,000,001 - ₱8,000,000 | 30% | ₱402,500 |
| Above ₱8,000,000 | 35% | ₱2,202,500 |
Mandatory Contributions in the Philippines
All Filipino employees are required to contribute to three major social security programs. These contributions are automatically deducted from your salary and provide important benefits including retirement savings, healthcare coverage, and housing loan eligibility.
SSS (Social Security System)
Provides retirement, disability, and death benefits. Contributions are based on salary brackets, with rates increasing for higher earners.
Example: ₱25,000 salary = ₱1,125 contribution
PhilHealth
Provides healthcare coverage for you and your dependents. Contributions are shared between employee and employer.
Example: ₱25,000 salary = ₱625 contribution
Pag-IBIG Fund
Provides housing loans and savings benefits. Contributions are capped at a maximum amount per month.
Example: ₱25,000 salary = ₱200 contribution
Frequently Asked Questions
How accurate is this tax calculator?
Our tax calculator is based on the official TRAIN Law and current 2025 rates for SSS, PhilHealth, and Pag-IBIG. It provides accurate estimates for standard employment situations. However, actual tax calculations may vary based on specific circumstances, deductions, and employer policies.
What if I have multiple jobs or freelance income?
This calculator is designed for single employment situations. If you have multiple income sources, you may need to consult with a tax professional for accurate calculations, as the tax treatment can be more complex.
Are there any deductions I can claim?
Yes, there are various deductions available under Philippine tax law, including personal exemptions, additional exemptions for dependents, and certain business expenses. This calculator provides a basic estimate and doesn't include all possible deductions.
When should I use this calculator?
Use this calculator to estimate your take-home pay, plan your budget, or compare different salary offers. It's particularly useful for understanding how much you'll actually receive after all mandatory deductions. If you need to convert your salary between different time periods or currencies first, use our Philippines Salary Converter tool.
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