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We map formulas to published government tables and circulars whenever they apply, then expose assumptions in plain language so users can verify quickly.
Free · 2026 formulas
Philippine Salary, Payslip & Utility Calculators
Fast, accurate, and 100% free tools built for Filipinos — net pay, payslip estimates, SSS (contributions, pension & salary loan), loans, utilities, and more.
17Free Calculators
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2026Rate tables
PH GovOfficial Formulas
Payslip tools
Generate & manage Philippine payslips
Estimate net pay in the generator, then sign in to save records and manage them from your dashboard.
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Generate Payslip
Build a printable payslip estimate with gross pay, SSS, PhilHealth, Pag-IBIG, withholding tax, and net pay. Works without an account.
Open payslip generatorManage Payslips
Save payslips to your account, filter by employee, view details, print, and export CSV from your dashboard.
View saved payslipsNew here? Create a free account to save payslips and link them to employees.
All Calculators
Pick the tool you need — instant results, free to use.
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Salary
Salary Calculator
Compute take-home pay with SSS, PhilHealth, Pag-IBIG & TRAIN Law tax.
Calculate SalaryNewSalary
Payslip Generator
Generate printable payslip estimate with gross pay, deductions, and net pay.
Generate PayslipSalary
SSS Contribution
See employee & employer SSS shares based on your Monthly Salary Credit.
Compute SSSSalary
Withholding Tax
Compute BIR monthly withholding tax under TRAIN Law (RA 10963) — 2023 table.
Compute TaxNewSalary
Freelancer & Self-Employed Tax
8% vs graduated tax with SSS, PhilHealth, Pag-IBIG — compare take-home pay.
Estimate TaxSalary
SSS Pension
Project retirement pension from AMSC, credited years, and age.
Estimate PensionSalary
PhilHealth Premium
Monthly premium for employed, self-employed, voluntary, and OFW members.
Compute PremiumSalary
13th Month Pay
Compute your 13th month bonus per PD 851 with tax-exempt breakdown.
Compute 13th MonthSalary
Overtime Pay
OT pay for regular, rest day, and holiday work per the Labor Code.
Compute OT PaySalary
Minimum Wage
Find your region's minimum wage — daily, weekly, monthly, annual.
Check Minimum WageFinance
Loan Calculator
Monthly amortization, total interest & full payment schedule.
Calculate LoanNewFinance
Loan Affordability
Debt-to-income ratio, safe payment limit, and max loan at 30% gross DTI.
Check AffordabilityNewFinance
SSS Salary Loan
Estimate loan cap from MSC, 24-month payment, service fee, and net proceeds.
Estimate Salary LoanNewFinance
Pag-IBIG Loan
Compute HDMF housing loan amortization using official Pag-IBIG Fund rates.
Calculate Pag-IBIG LoanUtilities
Electricity Bill
Estimate your Meralco or other utility bill from kWh consumption.
Estimate BillNewUtilities
Water Bill
Compute Manila Water or Maynilad monthly bill with tiered billing rates.
Estimate Water BillUtilities
Fuel Cost
Estimate trip fuel costs — one-way, round-trip, and cost per km.
Calculate Fuel⭐ Popular Calculators
Browse by Topic
Jump into a topic hub for related calculators, guides, and FAQs.
Salary & labor
Take-home pay, minimum wage, overtime, and 13th month — tools and guides aligned with DOLE and common payroll practice in the Philippines.
Tax & withholding
Estimate BIR withholding under TRAIN and see how taxable income is framed after statutory deductions.
Loans & amortization
Amortization schedules for bank-style loans and Pag-IBIG housing — principal, interest, and payoff ideas.
Fuel & transport
Trip cost from distance, efficiency, and pump price — useful for commuters and road trips.
Electricity
Budget kWh spend using your effective per-kWh rate — pair with habits that lower consumption.
Government benefits
SSS salary credits, contributions, and related tools. Always confirm tables on official SSS, PhilHealth, Pag-IBIG, and BIR channels.
Health coverage
PhilHealth premiums and how they fit into payroll. Medical benefit rules change — verify circulars on the official PhilHealth website.
How It Works
Get accurate results in three simple steps — fast and free.
01
Pick a Calculator
Choose from 17 free PH-specific calculators below.
02
Enter Your Details
Type your salary, kWh, or loan amount — use instantly or sign in to save.
03
Get Instant Results
See an accurate breakdown in real time as you type.
Trusted Formulas
Every result is based on official PH government data.
SSS Circular 2023-010TRAIN Law (RA 10963)PhilHealth 5% PremiumPag-IBIG ₱100 CapPD 851 — 13th MonthLabor Code OT RulesRTWPB Wage OrdersHDMF Housing RatesMWSS Water Tariff
Instant Results
Built for Philippines
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Save Payslips
How We Keep Content Useful
Beyond formulas, we publish context so pages stay practical instead of thin.
Frequent formula checks
Rates and thresholds can change. We run periodic reviews and date-stamp updates to reduce stale assumptions on salary, tax, and utility pages.
Calculator + context
Each major tool is paired with practical guides and examples, so users understand when a number is dependable and when they should escalate to HR, lender, or agency.
If your result is for compliance, legal disputes, or a signed financial contract, always verify against official agency guidance and your original documents. We provide fast estimates and explanatory guides, but final authority remains with your employer, lender, and government issuances.
Start Here: Practical Workflows
Choose a path based on your goal so you can move from rough estimate to informed decision.
Payslip workflow
Generate a payslip estimate → sign in to save → manage and export saved payslips from your dashboard.
Employee salary check
Run Salary Calculator → verify tax using Withholding Tax Calculator → confirm bonuses with 13th Month and Overtime tools.
Loan planning
Start with Loan Affordability → compare terms on Loan Calculator → finalize with Pag-IBIG or SSS loan-specific tools.
Household utility budget
Estimate monthly electric spend → estimate water bill → project fuel cost for commute and recurring trips.
Latest Articles
Guides to help you understand Philippine labor and finance rules.
Salary8 min read
How to Audit Your Payslip in the Philippines (Step by Step)
A line-by-line walkthrough to verify gross pay, SSS, PhilHealth, Pag-IBIG, and withholding tax on your payslip — and how to reconcile differences before asking HR.
Government6 min read
Pag-IBIG Contribution Basics for Filipino Members
How Pag-IBIG (HDMF) contributions work: employee and employer shares, the common monthly cap, voluntary savings, and how membership supports housing loans.
Government7 min read
SSS Salary Loan Rules: Caps, Interest, and Repayment
How the SSS salary loan works: one-month vs two-month caps from your MSC, the 24-month repayment term, service fee, and what reduces your net proceeds.