On a monthly salary of ₱30,000, take-home is about ₱26,543 after SSS, PhilHealth, Pag-IBIG and withholding tax — about 11.5% in deductions. Enter your own salary below.
TRAIN-law income tax brackets (annual)
| Annual taxable income | Rate |
|---|---|
| ₱0 – ₱250,000 | 0% |
| ₱250,000 – ₱400,000 | 15% of excess |
| ₱400,000 – ₱800,000 | ₱22,500 + 20% |
| ₱800,000 – ₱2,000,000 | ₱102,500 + 25% |
| ₱2,000,000 – ₱8,000,000 | ₱402,500 + 30% |
| Over ₱8,000,000 | ₱2,202,500 + 35% |
Mandatory contributions (SSS, PhilHealth, Pag-IBIG) are deducted first and are tax-exempt.
How Philippine pay works
Your employer deducts mandatory contributions — SSS (5% in 2025, up to a ₱35,000 salary credit), PhilHealth (2.5% of income between ₱10,000 and ₱100,000) and Pag-IBIG (2%, max ₱200) — and then withholds income tax on what's left, using the TRAIN brackets. Income up to ₱250,000 a year is tax-free.
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Frequently asked questions
How much tax is deducted from my salary?
Income up to ₱250,000/year is tax-free, then 15%–35%. Plus SSS, PhilHealth and Pag-IBIG. A ₱30,000/month salary takes home about ₱26,500.
What are the mandatory contributions?
SSS 5% (to ₱35,000 credit), PhilHealth 2.5% (₱10,000–₱100,000), Pag-IBIG 2% (max ₱200) — tax-exempt.
What income is tax-free?
Annual taxable income of ₱250,000 or less is exempt under the TRAIN law.
Is this accurate for 2025?
It uses TRAIN brackets and 2025 contribution rates. It's a simplified estimate on regular monthly salary, excluding 13th-month pay and other benefits.
Estimates for guidance only, not tax advice. Confirm with the BIR or a qualified adviser.