BIR · TRAIN Law 2026

Philippine
Tax Calculator

Compute your take-home pay under the 2026 TRAIN Law schedule. Enter your income details and mandatory contributions below.

◈ Income Details
₱
₱

Annual total — first ₱90,000 is tax-exempt

₱

e.g. performance, Christmas bonuses

₱

e.g. meal, transportation — not taxed

₱

e.g. fixed allowances subject to tax

₱

e.g. personal loans, salary advances

◈ Mandatory Contributions
SSS
Social Security System — retirement, disability, death & maternity benefits.
₱

₱250 – ₱1,750 (est.)

PhilHealth
Philippine Health Insurance — 5% premium, 2.5% employee share.
₱

₱250 – ₱2,500 (est.)

Pag-IBIG
Home Development Mutual Fund — savings and housing loan benefits.
₱

₱100 – ₱200 (employee share)

◈ Calculation Result
Monthly Net Pay
₱0.00
estimated take-home per month
Annual Income Tax
₱0.00
Annual Taxable Income
₱0.00
Annual Contributions
₱0.00
Monthly Detailed Breakdown
Gross Income ₱0.00
Non-Taxable Allowances ₱0.00
Taxable Monthly Allowances ₱0.00
SSS Contribution ₱0.00
PhilHealth Contribution ₱0.00
Pag-IBIG Contribution ₱0.00
Other Monthly Deductions ₱0.00
Monthly Withholding Tax ₱0.00
Annual Bonus & Tax-Exemption Summary
13th Month Pay (Annual) ₱0.00
Other Bonuses (Annual) ₱0.00
Tax-Exempt Annual Benefits ₱0.00
Taxable Benefits (excess of ₱90k) ₱0.00
◈ Annual Income Tax Bracket
Annual Taxable Income Range —
Tax Rule Applied —
Marginal Tax Rate
0%
Your effective annual tax rate is 0%. This is your total income tax paid as a percentage of your total annual income — typically lower than your marginal rate.
◈ Workforce Intelligence
You are in the top —%
of the Philippine employed workforce by gross monthly income
0%25%50%75%100%
—
vs. national average
—
vs. NCR min wage
—
workers earning less
⏱️
Effective Hourly Rate
—
What you actually take home per hour worked (8 hrs/day, 22 days/month, net of all deductions)
📅
Tax Freedom Day
—
The day of the year you stop working for the government and start working for yourself
💰
Annual Savings Potential
—
If you followed the 20/30/50 rule and saved 20% of your monthly net pay every month
🚀
Months to ₱1,000,000
—
Saving 20% of net monthly take-home. No investment returns assumed — purely disciplined saving
◈ Monthly Net Pay in the Real World
☕
—
Starbucks Grande Lattes
at ₱195 each
🍗
—
Jollibee Chickenjoy
at ₱79 each
⛽
—
Liters of Gasoline
at ₱64 per liter
🏡
—
Months of NCR avg. rent
at ₱10,000/mo
◈ Wealth Trajectory — Saving 20% of Net Pay
1 Year
—
3 Years
—
5 Years
—
10 Years
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◈ Your Annual Taxes in Action
Every peso you pay in income tax funds public services. Here's what your annual income tax contribution approximately covers.
📚
—
DepEd teacher
monthly salaries
🏥
—
PhilHealth
hospital bed-days
🛣️
—
meters of barangay
road paved