Net Pay Calculator Philippines

Enter your target take-home pay — SweldoSense reverse-calculates the gross salary needed using 2026 SSS, PhilHealth, Pag-IBIG, and BIR tax tables.

Figures are estimates; actual payslips may differ based on employer benefits and payroll policies.

  • Using official 2026 rates
  • 100% Free to use

Find Required Gross

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Employment type

Uses SSS for retirement contributions, deducted from your pay automatically.

Your data is private and used only for calculation.

Your Required Gross Pay

Your required gross will appear here

Enter your target net pay and click “Calculate Required Gross”.

Monthly Breakdown

Your monthly breakdown will appear here

We'll show how the required gross is built from your target take-home, including taxes and mandatory contributions.

How the Net Pay Calculator Works

Enter your desired monthly net pay (take-home sweldo) and SweldoSense reverse-calculates the gross salary needed using the same 2026 SSS, PhilHealth, Pag-IBIG, and TRAIN Law tax rules as the salary calculator.

We solve for the gross salary whose net pay, after SSS, PhilHealth, Pag-IBIG, and withholding tax, equals your target.

After calculating, you can download a printable salary estimate PDF of the solved breakdown — labeled as an estimate only, not an official payslip.

This is useful when negotiating a job offer — tell the employer the net pay you need and find the equivalent gross salary for payroll purposes.

Reverse-calculated gross figures are estimates. Actual payroll may differ based on employer benefits, allowances, and payroll policies.

Frequently Asked Questions

How do I compute the gross salary needed for a target net pay in the Philippines?

To compute the required gross salary, you need to reverse-engineer the mandatory deductions: SSS (5% of MSC), PhilHealth (2.5% of basic salary), Pag-IBIG (capped at ₱200), and TRAIN Law withholding tax. SweldoSense's net pay calculator does this automatically — enter your desired take-home pay and it outputs the required gross salary.

If I want a net pay of ₱30,000, what gross salary do I need in 2026?

To take home approximately ₱30,000 per month in the Philippines in 2026, you would need a gross salary of around ₱34,403 as a private employee under 2026 rates (SSS, PhilHealth, Pag-IBIG, and TRAIN Law withholding). Use SweldoSense's reverse calculator for a precise figure with your own options.

Can I reverse-calculate gross receipts as an independent contractor?

Yes. Toggle Independent contractor on the net pay calculator, then enter your target take-home. SweldoSense solves for monthly gross receipts assuming the 8% flat tax when annual receipts are ₱3,000,000 or less, or graduated TRAIN rates with 40% OSD above that. The estimate excludes EWT/2307 credits, percentage tax, and VAT. SSS, PhilHealth, and Pag-IBIG are voluntary and are not deducted.

Can I download a printable salary estimate PDF from the net pay calculator?

Yes. After you reverse-calculate the required gross, use Download PDF to save a printable estimate of that breakdown. The PDF is labeled as an estimate only — it is not an official payslip.

Disclaimer: SweldoSense is an educational payroll and tax estimation tool modeled strictly on current Philippine labor regulations (TRAIN Law / RA 10963) and official 2026 SSS, PhilHealth, and Pag-IBIG schedules. Calculations are estimates and do not replace official corporate payroll accounting. Read Full Disclaimer.