Getting your real take-home pay (sweldo) shouldn’t require guesswork. With Reviewlystes, we’re highlighting PesoTax, a free Philippine salary calculator that computes monthly net pay after common mandatory deductions like PhilHealth, SSS/GSIS, Pag-IBIG, and BIR withholding tax under the TRAIN Law. If you’re planning a budget, checking job offers, or estimating how your payroll will look this year, PesoTax makes it quick and straightforward.
Instant, private calculations with 2026 rates
PesoTax is built for speed and clarity, using 2026 official gov’t rates for PhilHealth, SSS/GSIS, Pag-IBIG, and BIR TRAIN Law withholding. It’s also designed to be free, private, and instant, with all calculations running locally—meaning you don’t have to worry about your inputs being sent to a server. That makes it a practical tool for frequent checks before payday or when you’re reviewing your compensation package.
Know your deductions: PhilHealth, SSS/GSIS, and Pag-IBIG
PhilHealth is computed as 5% of your basic salary, with a total premium range of ₱500 to ₱5,000 per month. For SSS (and GSIS for government employees), PesoTax calculates the employee share as 5% of the MSC, capped at ₱1,750 per month (based on an MSC ceiling of ₱35,000). For Pag-IBIG, it uses the mandatory 2% of your MFS with an employee maximum contribution of ₱200 per month (and an MFS cap of ₱10,000), plus optional voluntary top-ups if you want to save more.
Estimate your BIR withholding under TRAIN Law
PesoTax also includes BIR withholding tax under the TRAIN Law. It applies 0% income tax on annual income up to ₱250,000, helping you see when your income might cross into taxable brackets. Because salary structures vary—especially if you receive allowances, overtime, or bonuses—PesoTax encourages you to include relevant earnings so the net take-home pay estimate matches your situation more closely.
Choose your employment type and payment frequency
One of PesoTax’s strengths is flexibility. You can select your employment type, including private sector (SSS), government (GSIS), kasambahay, self-employed/freelancer, and OFW (land-based). You can also enter your pay based on monthly, semi-mo, or bi-weekly frequency; PesoTax converts it to monthly for consistent computation. If needed, you can customize how deductions are applied (full, half, excluded, or custom amounts) and add earnings like overtime and night differential.
For a quick start, visit PesoTax - Philippine Salary Calculator 2026 and run your numbers in a few taps. When you use PesoTax through Reviewlystes, you get a clearer picture of your take-home pay without waiting or doing tedious manual computations.
Use PesoTax today to budget smarter, negotiate confidently, and understand exactly what hits your paycheck—down to the final net pay figure.
