How your take-home pay is worked out
Your net pay is your gross salary minus mandatory contributions and withholding tax:
- Mandatory contributions first — SSS (employee share of the monthly salary credit), PhilHealth (2.5% of monthly basic), and Pag-IBIG (1–2%, capped at ₱200).
- Withholding tax next — computed on what's left after contributions, using the BIR graduated rates under the TRAIN law.
- What remains is your estimated monthly take-home pay.
Adding overtime
Just enter your total overtime hours for the month and pick the day type — the calculator works out the overtime pay for you. It derives your hourly rate from your basic salary (basic × 12 ÷ the days-per-year factor ÷ 8), multiplies by the DOLE rate for that day type, then folds the result in. That overtime pay is handled differently from your basic salary, and correctly so:
- Contributions don't change — SSS, PhilHealth, and Pag-IBIG are based on your basic monthly salary, so overtime does not raise them.
- Tax does change — overtime is part of your taxable compensation, so it's added to the base the withholding tax is computed on.
Need to double-check the overtime figure, or add a night-shift differential? Use the dedicated Overtime Pay Calculator. Note that overtime pay is tax-exempt for minimum-wage earners, so leave the hours at zero if that applies to you.
Frequently asked questions
What deductions are included?
The three mandatory government contributions — SSS, PhilHealth, and Pag-IBIG — plus BIR withholding tax. Company-specific items like HMO, loans, or tardiness are not included.
Does overtime increase my contributions?
No. SSS, PhilHealth, and Pag-IBIG are based on your basic monthly salary, so overtime doesn't raise them. It does add to your taxable pay, so it can increase your withholding tax — which is why overtime has its own field here.
Is this exactly what my payslip will show?
Treat it as a close estimate. Employers may add allowances or other deductions, and the SSS contribution is bucketed into salary-credit steps, so the actual figure can differ by a little.
Are the rates current?
It uses the 2025 SSS/PhilHealth/Pag-IBIG contribution tables and the TRAIN income-tax schedule (effective 2023 onward). These change over time — always confirm with each agency.
Is my salary uploaded?
No. The calculation runs entirely in your browser. Nothing you enter is stored or sent to a server.