From gross to net: the four deductions between your offer letter and your bank account.
Effective January 2026Your offer letter says one number. Your bank account gets a smaller one. The gap is four deductions — SSS, PhilHealth, Pag-IBIG and withholding tax. Type your gross monthly salary and see exactly where it goes and what actually reaches you.
Basic salary, monthly-paid. For allowances, semi-monthly pay and offer comparisons, use the full Sweldo Check.
Payroll takes them in a set order, and it matters because tax is charged last, on what is left.
Whatever survives all four is your take-home pay.
Start with your gross monthly salary. Subtract your SSS, PhilHealth and Pag-IBIG contributions, then subtract withholding tax (which is charged on what remains). What is left is your take-home pay.
About ₱22,610 a month. From ₱25,000 you lose ₱1,250 SSS, ₱625 PhilHealth, ₱200 Pag-IBIG and about ₱314 withholding tax. Use the calculator above for your exact figure.
An offer letter states gross pay. Your take-home is gross minus four things: SSS, PhilHealth, Pag-IBIG and withholding tax. The gap is usually a single-digit to low double-digit percentage and widens as pay rises.
This quick calculator uses basic salary only. Non-taxable allowances (like de minimis benefits) do not add to your deductions, while taxable allowances do. For allowances, semi-monthly pay and offer comparisons, use the full Sweldo Check.
Sweldo Check adds allowances, semi-monthly pay, reverse-compute and side-by-side offer comparison — free, no sign-up.
Open Sweldo Check →Know your take-home, then plan it. IponPal maps your pay around your payday cycle — committed, free, and saved.
Reflects 2026 SSS, PhilHealth, Pag-IBIG and TRAIN tax rules. This quick tool uses basic monthly salary; your payslip is the authority. For allowances and other pay periods use the full Sweldo Check.