Free tool

Take-Home Pay Calculator

What actually lands in your pocket after tax and government contributions. Built for Filipino freelancers, not payroll employees. Everything is computed in your browser. No signup, nothing stored.

Your income

Gross monthly income (PHP)

₱

Gross receipts before any deductions, as you invoice clients.

Tax treatment

I am a mixed income earner

Employed with freelance income on the side. This removes the ₱250,000 deduction from the 8% computation, because your salary already uses it.

Government contributions I pay

SSSPhilHealthPag-IBIG

Many freelancers do not pay all three. Switch off whichever you skip.

What most calculators get wrong

Three rules that change your numbers, handled correctly here.

Mixed income earners can still elect 8%: Some tools say mixed earners are barred from the 8% rate. They are not. What they lose is the ₱250,000 deduction on the freelance side, because their compensation income has already absorbed it. Tick the mixed income box above to see the difference.
Self-employed Pag-IBIG is 4%, not 2%: Contribution tables usually show the employee share only. A self-employed member is treated as both employee and employer, so the real figure is ₱400 per month at the ₱10,000 Maximum Fund Salary, not ₱200.
Foreign clients are zero-rated, not tax-free: Services billed to a foreign client and paid in foreign currency carry 0% VAT, but graduated income tax still applies. Very few calculators model this case at all.

Rates current for 2026: SSS 15% of Monthly Salary Credit (₱5,000 to ₱35,000), PhilHealth 5% (₱10,000 to ₱100,000), Pag-IBIG 4% capped at a ₱10,000 Maximum Fund Salary. Income tax follows the TRAIN graduated brackets.