Salary Calculator Philippines 2026: Full Payslip Breakdown
The Salary Calculator Philippines 2026 gives you a complete payslip breakdown — from basic pay and allowances down to every mandatory deduction. Whether you are a private employee, a government worker, or a minimum wage earner, this tool applies the correct SSS or GSIS contribution schedule, PhilHealth and Pag-IBIG rates, and the BIR TRAIN Law withholding tax table so you see exactly what lands in your account. Just enter your monthly basic pay, any allowances, and your overtime or night differential hours if applicable. The calculator instantly computes your gross pay, itemizes all deductions, and shows your monthly net pay alongside the annual equivalent. All figures are based on 2026 rates.
Calculator
How It Works
- 1
Select your employment type. Private employees use SSS; government employees use GSIS. Minimum wage earners are automatically exempted from withholding tax.
- 2
Choose your payroll period — semi-monthly (twice a month) or monthly — to see your per-paycheck net.
- 3
Enter your monthly basic pay. This is your contractual salary before any allowances or deductions.
- 4
Add taxable and non-taxable allowances separately. De minimis benefits like rice allowance and transportation are non-taxable up to BIR limits.
- 5
Enter overtime and night differential hours per paycheck if applicable. The calculator uses Labor Code multipliers (125% for regular day OT) and the standard 10% night diff premium.
- 6
SSS is computed using the 2024 salary credit table (employee share is 4.5% of your monthly salary credit, maximum ₱1,350 at MSC ₱30,000). GSIS is 9% of basic salary.
- 7
PhilHealth employee share is 2.5% of basic salary, minimum ₱250 and maximum ₱2,500 per month.
- 8
Pag-IBIG employee share is 2% of salary, capped at ₱100 per month.
- 9
Taxable income is your gross pay minus SSS or GSIS, PhilHealth, Pag-IBIG, and non-taxable benefits. The TRAIN Law monthly tax table is applied to get your withholding tax.
- 10
Your net pay is gross pay minus all deductions: SSS or GSIS, PhilHealth, Pag-IBIG, and withholding tax.
Frequently Asked Questions
The total SSS contribution rate is 14% of the monthly salary credit (MSC). The employee share is 4.5% and the employer share is 9.5%. The MSC ranges from ₱3,000 to ₱30,000, so the employee monthly contribution ranges from ₱135 to ₱1,350.