Enter your gross monthly salary (sweldo) and SweldoSense estimates take-home pay (netong sweldo) using publicly available 2026 contribution and tax (buwis) tables from the BIR, SSS, PhilHealth, and Pag-IBIG. The calculator is designed for employed workers in the Philippines who want a clear breakdown of mandatory payroll deductions before they receive their payslip.
Annual tax/buwis is based on monthly gross sweldo multiplied by 13 to include mandatory 13th month pay, with the first ₱90,000 of bonuses exempt from tax. This mirrors how many employers annualize compensation for BIR withholding under the TRAIN Law (Republic Act 10963).
Understanding SSS, PhilHealth, and Pag-IBIG Deductions (Bawas sa Sweldo)
The Social Security System (SSS) employee share is 5% of Monthly Salary Credit (MSC), capped between ₱5,000 and ₱35,000 for 2026. PhilHealth premiums are 2.5% of monthly basic salary/sweldo for employed members, with a minimum of ₱250 and maximum of ₱2,500. Pag-IBIG (HDMF) contributions are typically 1% for salaries up to ₱1,500 or 2% above that, with a maximum employee share of ₱200 per month under current HDMF guidelines.
SweldoSense applies these schedules automatically so you can see how each government program affects your net pay. Use the salary/sweldo comparison tool when evaluating a new job offer, or the 13th month pay calculator if you are leaving an employer before completing twelve months of service.
TRAIN Law Withholding Tax/Buwis in Plain Language
Philippine income tax (buwis sa kita) for employees follows graduated annual brackets. Annual taxable income up to ₱250,000 is exempt. Higher income levels are taxed at progressive rates defined in BIR Revenue Regulations. SweldoSense estimates monthly withholding tax/buwis by computing annual tax on gross compensation (including 13th month) and dividing the result by twelve.
Your employer may apply different adjustments for non-taxable allowances, de minimis benefits, or loan deductions. This tool focuses on the standard employee scenario so you have a reliable baseline for budgeting and salary/sweldo negotiations.
Salary, Sweldo, at Buwis — Gabay para sa mga Empleyado
Kung naghahanap ka ng kalkulador ng sweldo o salary calculator sa Pilipinas, tinutulungan ka ng SweldoSense na malaman ang netong matatanggap pagkatapos ng SSS, PhilHealth, Pag-IBIG, at buwis. Parehong English at Filipino search terms ang sakop ng tool na ito — salary, sweldo, tax, buwis, net pay, at take-home pay.
Ang mga empleyadong nagtatrabaho sa Metro Manila, probinsya, o remote setup ay maaaring gumamit ng calculator para ihambing ang gross sweldo at aktwal na net pay bago tumanggap ng job offer o humingi ng raise.
Who Should Use SweldoSense?
Fresh graduates comparing their first job offers, mid-career professionals weighing a promotion, and remote workers verifying payroll deductions can all use SweldoSense as an educational reference. The suggested budget planner helps translate net pay into monthly spending categories using Balanced, Conservative, or Lifestyle allocation modes.
For official rate tables and legal references, visit our Official Payroll Resources page with direct links to BIR, SSS, PhilHealth, and Pag-IBIG. SweldoSense is independent and not affiliated with any government agency.
All figures are estimates for employed workers in the Philippines. Actual payslips may differ based on employer benefits, allowances, and payroll policies.