TaxCalc Philippines 2025
Estimate your income tax, SSS, PhilHealth, and Pag-IBIG contributions instantly using the latest published BIR withholding tax table and contribution rates.
TaxCalc Philippines 2025
Calculate your income tax, SSS, PhilHealth, and Pag-IBIG contributions instantly
Monthly Gross Salary
Enter your monthly gross salary before deductions
Monthly Contributions
Tax Computation & Results
Your Monthly Net Take-Home Pay
Monthly Breakdown
Annual Summary 2025
Important Disclaimer
This site provides estimates based on the published BIR withholding tax table and SSS, PhilHealth, and Pag-IBIG contribution rates (last verified 2026-07-18). Actual payroll deductions may differ based on your specific circumstances, benefits, or employer computation. This is not tax advice — always verify with your HR department, the relevant government agency, or a licensed tax professional.
How to Use Our Tax Calculator
Our calculator uses the official BIR withholding tax table and updated contribution rates to estimate your deductions.
Enter Your Salary
Input your monthly gross salary. Our calculator will automatically compute all deductions.
Automatic Calculations
We calculate SSS, PhilHealth, Pag-IBIG contributions and income tax using official rates.
Get Your Results
See your net take-home pay, total deductions, and annual summary instantly.
BIR Withholding Tax Table 2025
Our calculator uses the official BIR withholding tax table effective January 1, 2023, based on the TRAIN Law (Republic Act No. 10963).
- ₱20,833 and below0%
- ₱20,833 - ₱33,33215% of the excess
- ₱33,333 - ₱66,66620% of the excess
- ₱66,667 - ₱166,66625% of the excess
- ₱166,667 - ₱666,66630% of the excess
- ₱666,667 and above35% of the excess
Rates are marginal — each applies only to income above its bracket floor, on top of a fixed base amount. See the full BIR withholding table with base amounts →
Last verified against the BIR published table: 2026-07-18.
Why Choose Our Tax Calculator
Estimate your taxes with the most up-to-date rates and official BIR tables.
Updated for 2025
Based on the official BIR withholding tax table and published contribution rates
Instant Results
Get your tax calculation in seconds, no waiting required
Privacy First
No registration, no data storage, your information stays private
Mobile Ready
Works perfectly on all devices - phone, tablet, and desktop
Mandatory Contributions 2025
Updated contribution rates for SSS, PhilHealth, and Pag-IBIG effective 2025.
SSS Contributions
Based on your Monthly Salary Credit (MSC). The employee share is 5% of the MSC (15% total with the employer share).
• Minimum: ₱250 (MSC floor ₱5,000)
• Maximum: ₱1,750 (MSC ceiling ₱35,000)
PhilHealth Contributions
Premium is 5% of monthly basic salary, split equally — the employee share is 2.5%.
• Minimum employee share: ₱250 (₱10,000 income floor)
• Maximum employee share: ₱2,500 (₱100,000 income ceiling)
Pag-IBIG Contributions
Home Development Mutual Fund savings with tiered rates based on monthly compensation.
• ₱1,500 and below: 1%
• Above ₱1,500: 2%
• Maximum base: ₱10,000 (max contribution ₱200)
About TRAIN Law
The Tax Reform for Acceleration and Inclusion (TRAIN) Act, or Republic Act No. 10963, was implemented to simplify the tax system and provide relief to Filipino taxpayers.
Key Benefits
- • Reduced income tax rates for most employees
- • Simplified tax brackets
- • Increased take-home pay for middle-income earners
- • More progressive tax system
Tax Brackets
- • ₱0 - ₱250,000: 0% (annual)
- • ₱250,001 - ₱400,000: 15%
- • ₱400,001 - ₱800,000: 20%
- • ₱800,001 - ₱2,000,000: 25%
- • ₱2,000,001 - ₱8,000,000: 30%
- • Above ₱8,000,000: 35%
Frequently Asked Questions
Common questions about Philippine tax calculations and contributions.
How reliable is this calculator?
Our calculator uses the official BIR withholding tax table and published contribution rates from SSS, PhilHealth, and Pag-IBIG. Results are estimates for guidance only — your actual payroll deductions may differ depending on your employer's computation and your specific circumstances.
Do I need to register to use this tool?
No registration required! Our calculator is completely free to use and doesn't store any of your personal information.
What's included in the calculation?
We calculate SSS, PhilHealth, and Pag-IBIG contributions, plus income tax based on your taxable income after deducting contributions.
Is this calculator for employees only?
This calculator is designed for employees with regular monthly salaries. For freelancers or self-employed individuals, different rules may apply.
Sources
Every rate and threshold used on this site comes from official government issuances. We link the agencies below so you can verify the figures yourself; if anything here disagrees with an official publication, the official publication prevails.
- Bureau of Internal Revenue — Withholding Tax Table (RR No. 11-2018 Annex E, monthly, effective Jan 1, 2023)bir.gov.ph — last verified 2026-07-18
- Social Security System — 2025 Contribution Schedule (RA 11199)sss.gov.ph — last verified 2026-07-18
- PhilHealth — Premium Contribution Schedule (Universal Health Care Act, RA 11223)philhealth.gov.ph — last verified 2026-07-18
- Pag-IBIG Fund — Membership Savings Ratespagibigfund.gov.ph — last verified 2026-07-18
All figures on this site were last reviewed on 2026-07-18.