What this page documents
PaycheckPH calculators are educational estimators. This page documents the main assumptions currently encoded in the site so a reader can understand why a result appears and what should be verified before relying on it.
Source hierarchy
We prefer primary Philippine government material: BIR regulations and tax tables, SSS contribution publications, PhilHealth advisories, Pag-IBIG Fund publications, DOLE/Bureau of Working Conditions guidance, the Labor Code, and official wage orders. Secondary summaries may help with orientation, but they are not the intended basis for a statutory rate inside a calculator.
Salary and take-home-pay calculator
SSS employee share
The current calculator uses the SSS contribution framework effective January 2025: a 15% Social Security contribution rate on the applicable Monthly Salary Credit (MSC), split 10% employer and 5% employee for regular employed members. The calculator estimates the employee Social Security share at 5% of the applicable MSC, with an MSC range from ₱5,000 to ₱35,000 and ₱500 MSC steps. The exact official table remains the controlling reference for remittance.
Primary reference: SSS — Pay Contributions / latest contribution table.
PhilHealth employee share
The calculator uses a 5% total premium rate and divides the premium equally between employer and employee for a regular employed-member estimate. The current base is limited to a ₱10,000 income floor and ₱100,000 income ceiling, using monthly basic salary rather than allowances, overtime, bonuses or other gratuities.
Primary reference: PhilHealth Advisory 2025-0002.
Pag-IBIG employee share
The current site applies a 2% employee-share estimate subject to a ₱10,000 maximum fund salary assumption. Because contribution rules can be amended, users should compare the estimate with the latest Pag-IBIG Fund circular or employer payroll table before treating the amount as final.
Primary reference: Pag-IBIG Fund.
Monthly withholding tax
After estimated mandatory employee contributions are deducted from taxable compensation, the calculator applies the BIR monthly withholding table effective January 1, 2023 and onwards. The monthly brackets used by the code begin at ₱20,833 and apply 15%, 20%, 25%, 30% and 35% marginal rates across the succeeding bands.
Primary reference: BIR Annex E — Revised Withholding Tax Table, effective January 1, 2023 onwards.
Minimum Wage Earner option
MWE status is not determined by salary alone. It depends on the statutory minimum wage that applies to the worker's region and employment category. The calculator therefore requires an explicit user confirmation and also uses a conservative plausibility guard to prevent obviously inconsistent salaries from activating the MWE tax treatment. That guard is a software safety check, not a legal eligibility test.
Overtime calculator
The overtime tool starts with an eight-hour day and derives an hourly rate from the entered daily rate. It then applies the selected day-type multiplier. Ordinary-day overtime uses 125% of the basic hourly rate. Rest-day and holiday cases use the applicable premium-day base before the overtime premium. Coverage, exemptions, collective bargaining terms and company policies can change what an employee is actually entitled to.
Primary reference: DOLE/BWC Handbook on Workers’ Statutory Monetary Benefits.
Night differential calculator
The tool counts only the portion of a shift that overlaps the statutory 10:00 PM to 6:00 AM window and applies the selected night-differential percentage to the basic hourly rate. The default minimum shown by the site is 10%. Contractual or collective-agreement rates can be higher, and legal exemptions can apply.
13th-month-pay calculator
The calculator totals the basic salary actually entered for the calendar year and divides that amount by 12. It intentionally asks for monthly basic salary amounts so users can reflect partial-year employment or salary changes instead of assuming twelve identical months.
Final-pay and separation-pay tools
These tools combine user-entered components rather than claiming to reproduce an employer's final payroll. Final pay may include unpaid salary, prorated 13th-month pay, convertible leave and other approved amounts, less authorized deductions. Separation-pay eligibility and the applicable basis depend on the legal reason for termination and the worker's circumstances.
Calculator map
| Tool | Inputs and method | Main limitation |
|---|---|---|
| Salary | Basic pay and taxable additions; employee contributions and monthly withholding | Employer-specific payroll treatment |
| Overtime | Daily rate ÷ 8 × selected day multiplier × extra hours | Day classification and rate divisor |
| 13th month | Entered basic salary for each month ÷ 12 | Correct basic-salary classification |
| Night differential | Qualifying 10 PM–6 AM hours less entered breaks × basic hourly rate × selected premium | Combined overtime and holiday premiums |
| Final pay | Salary, 13th month, leave and other dues less deductions | Entitlement and payroll adjustments |
| Separation pay | Selected ground, monthly base and credited service | Legal eligibility for the selected ground |
Review log
29 September 2026: reorganized the homepage, added worked scenarios and limitations to the six calculator pages, and checked selected SSS, PhilHealth and DOLE references. This log records site edits; it does not claim that every official schedule was reissued in September.
Rounding, payroll frequency and limitations
Displayed values are rounded to currency precision. Actual payroll may be computed daily, weekly, semi-monthly or monthly and may use different rounding points. Taxable and non-taxable benefits, de minimis benefits, prior-period adjustments, loans, garnishments, company-specific benefits and other items can also make a real payslip differ from this site's estimate.
Update process
When we identify a material rule change, we review the relevant constants in the code, the calculator explanation, the guide and the source link together. Readers can report a suspected outdated rate or calculation through the Contact page. For a material financial, tax or employment decision, use the latest official government publication or qualified professional advice.