Income Class Calculator
Find out which Philippine income class your earnings belong to.
Open ToolTake-home pay is the amount of salary you actually receive after mandatory deductions and taxes.
Your gross salary is your income before deductions. Your take-home pay is what remains after SSS, PhilHealth, Pag-IBIG, and estimated taxes.
Under the current Philippine income tax schedule, annual taxable income up to PHP 250,000 is generally not subject to income tax. This is roughly PHP 20,833.33 per month in taxable income. However, taxable income is not always the same as gross salary.
Use this tool as a planning reference for budgeting, savings goals, loan affordability, retirement planning, and financial decision making.
Take-home pay is estimated by subtracting employee contributions and estimated income tax from gross salary.
Yes. Employee SSS contribution is included.
Yes. Employee PhilHealth contribution is included.
Yes. Employee Pag-IBIG contribution is included.
The common PHP 25,000/month rule is only a rough shortcut. The actual tax-free threshold is PHP 250,000 per year in taxable income, or about PHP 20,833.33 per month. This calculator estimates taxable income after employee contributions, then annualizes it before applying the income tax brackets. If the annual taxable income is slightly above PHP 250,000, the calculator may show a small estimated monthly tax.
Not always. The tax-free threshold is based on annual taxable income, not gross monthly salary alone. Actual withholding tax may also vary depending on payroll treatment, bonuses, benefits, timing, and employer computation.
Actual payroll may include bonuses, allowances, overtime, absences, company-specific deductions, and payroll adjustments.
No. This is an educational planning tool only.