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Philippine Salary & Take-Home Pay Calculator
Calculate your exact take-home pay, SSS (2025 15% rate), PhilHealth (5%), Pag-IBIG (₱200 cap), and BIR withholding tax for monthly or semi-monthly cutoffs.
Free Philippine Financial Calculators
Transparent, explainable calculators for salary, statutory contributions (SSS, PhilHealth, Pag-IBIG), taxes, overtime, MP2 savings, and payday cash flow.
No sign-up wall • Privacy first
Calculations run client-side in your browser tab. Your financial inputs are never saved, tracked in analytics, or shared with advertisers.
Financial Checkup
Review your emergency coverage, debt burden and monthly surplus.
Find a practical next step
Money Ladder Quiz
Find your likely stage in Kasyafi’s six-level planning framework.
Focus on the next milestone
Can I Afford This?
Check a purchase against obligations and your protected buffer.
See a safer upfront budget
What Should I Do With Extra Money?
Allocate a bonus or spare cash among bills, reserves, debt and goals.
Give your next peso a job
Sinking Fund Planner
Plan several irregular expenses and see monthly and per-payday savings.
Prepare for predictable costs
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Philippine Payslip & Audit Calculator
Audit semi-monthly or monthly payslips, verify SSS, PhilHealth, Pag-IBIG, and tax compliance, and dynamically track 13th month pay.
Semi-monthly cutoffs & statutory compliance check
Start here
Philippine Salary Calculator
Estimate gross-to-net take-home pay, SSS, PhilHealth, Pag-IBIG deductions, and BIR withholding tax.
Updated for 2025–2026 Philippine payroll rules
BIR Withholding Tax Calculator
Look up your exact graduated income tax bracket and periodic withholding tax under TRAIN Law.
Monthly, semi-monthly, weekly, and daily tables
Popular
13th Month Pay Calculator
Calculate your statutory 13th month pay from total basic earnings, including pro-rated resignation pay.
Includes ₱90,000 tax-exempt threshold analysis
Philippine Overtime Pay Calculator
Calculate DOLE overtime premiums for ordinary days (125%), rest days (169%), and regular holidays (260%).
Includes night differential overlap handling
Night Differential Calculator
Estimate 10% night shift differential pay for work performed between 10:00 PM and 6:00 AM.
Handles overnight shifts crossing midnight
Holiday Pay Calculator
Calculate pay for worked and unworked Regular Holidays (200%), Special Non-Working Days (130%), and rest-day overlaps.
Covers all official DOLE day combinations
2025 Schedule
SSS Contribution Calculator
Look up Monthly Salary Credit (MSC), employee share, employer counterpart, and MySSS Pension Booster (WISP).
Updated for 2025 15% rate schedule (RA 11199)
5.0% Rate
PhilHealth Contribution Calculator
Calculate monthly, quarterly, and annual PhilHealth premium shares based on the 5.0% Universal Health Care rate.
Enforces ₱10,000 floor and ₱100,000 ceiling
Pag-IBIG Contribution Calculator
Estimate mandatory and voluntary Regular Pag-IBIG savings under the adjusted ₱10,000 Maximum Fund Salary.
HDMF Circular 460 (₱200 EE / ₱200 ER)
Popular
Pag-IBIG MP2 Savings Calculator
Project 5-year tax-free dividends, compounding growth, annual checkpoints, and maturity payouts in Pag-IBIG MP2.
Sourced historical rates (7.05% reference)
Emergency Fund Calculator
Set a cash reserve target, assess current months of essential coverage, and project payoff timeline.
Protect cash before long-term commitments
Invest or Pay Debt Decision
Compare high-interest debt cost against MP2 and investment returns to decide where the next peso goes.
Understand liquidity, guaranteed cost, and risk
Safe-to-Spend Calculator
Calculate what you can spend today after protecting upcoming bills, debt dues, and safety buffer before payday.
Find flexible spending without overdrafting
Debt Payoff Calculator
Compare Avalanche (highest interest) and Snowball (smallest balance) payoff strategies across all your debts.
See payoff timelines and interest savings
Credit Card Interest Calculator
See how paying extra each month slashes interest and shortens credit card payoff by months or years.
Models BSP interest caps and finance charges
Loan Amortization Calculator
Estimate monthly installments, total interest, and full amortization schedule for personal, car, or home loans.
Includes extra monthly principal payments
Monthly Budget Calculator
Map your take-home pay across essentials, debt payments, savings goals, and flexible spending.
Calculate living expense and savings ratios
How to get accurate results
1. Use latest payslips
Refer to your stated gross basic rate and actual taxable allowances.
2. Sourced government rules
All statutory formulas reflect official 2025–2026 BIR, SSS, PhilHealth, Pag-IBIG, and DOLE issuances.
3. Recheck on rate changes
Re-run your calculations after annual salary increments, promotions, or regulatory updates.
Want the reasoning behind the numbers?
The Learn hub explains Philippine taxes, statutory benefits, debt payoff strategies, and payday cash flow in plain Filipino/English language.
Kasyafi Personal CFO
Bring your income, bills, and emergency reserve into one plan.
Keep track of your actual take-home pay, payday schedule, upcoming bill dues, and savings goals in a private, ad-free dashboard.