PH Calculator Blog
Original guides on salary, borrowing, and everyday costs in the Philippines. We cite official programs where it helps; always double-check rates and rules on government sites before acting.
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.
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.
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.
How the SSS Pension Is Computed in the Philippines
A plain-language overview of the SSS retirement pension: AMSC, credited years of service, minimum pension rules, and why estimates differ from your actual claim.
Freelancer Tax: 8% Option vs Graduated Rates in the Philippines
How the 8% income tax option compares with graduated TRAIN rates for self-employed Filipinos, who qualifies, and how to decide which is cheaper for your income.
How to Compute Salary in the Philippines (2026 Guide)
Complete guide to computing your net take-home pay in the Philippines. Learn how SSS, PhilHealth, Pag-IBIG, and income tax affect your monthly salary.
SSS Contribution Table Philippines 2026: How to Read Your MSC and Shares
A practical walkthrough of SSS monthly salary credit (MSC), employee and employer shares, and how to reconcile your contribution lines with payroll records.
Minimum Wage Philippines 2026: Regional Differences and Practical Budget Use
Understand why minimum wage differs by region, how to convert daily rates to monthly estimates, and how to use wage floors responsibly for salary planning.
How Water Bills Are Computed in Metro Manila: Tiered Rates Explained
A practical guide to understanding tiered water billing, environmental and sewerage components, and why household consumption patterns matter for monthly costs.
13th Month Pay in Practice: 5 Common Employee Scenarios in the Philippines
Worked examples for regular employees, mid-year hires, variable earners, and workers with unpaid leave to understand how 13th month pay is commonly estimated.
Loan Affordability in the Philippines: DTI Rules, Buffers, and Safer Borrowing
How to use debt-to-income (DTI) as a practical decision tool, including conservative buffers for variable income and household obligations.
PhilHealth vs HMO in the Philippines: How They Work Together
A practical explanation of PhilHealth and private HMO roles, where each is useful, and why many households treat them as complementary layers.
Payroll Deductions Checklist for Employees in the Philippines
A practical month-end checklist to verify SSS, PhilHealth, Pag-IBIG, withholding tax, and common deduction mismatches before escalating to HR.
Overtime Pay in the Philippines: Rules and Rates (2026)
How DOLE overtime premiums work on regular days, rest days, and holidays. Learn the 125% rule, when night differential applies, and how to sanity-check your payslip.
13th Month Pay in the Philippines: Rules, Tax, and Who Qualifies
PD 851 explained: how 13th month pay is computed, the ₱90,000 tax exemption under TRAIN, and common employer mistakes to watch for.
Home Loan Amortization in the Philippines: What Your Monthly Payment Really Covers
Understand principal, interest, and amortization schedules for bank and Pag-IBIG housing loans so you can compare offers and plan prepayments.
Lower Electricity Bill Philippines: Practical Guide
From air conditioning to vampire loads: evidence-based habits that cut kWh, plus how to read your bill and budget using your actual rate.
Loan vs Credit Card: Which is Better in the Philippines?
Comparing personal loans and credit cards in the Philippines. Learn which financing option saves you more money and fits your needs.
How to Save on Fuel Costs in the Philippines (2026)
Practical tips for Filipino drivers to reduce fuel expenses. From driving habits to route planning and vehicle maintenance.
Gross vs Net Salary in the Philippines: What Appears on Your Payslip
Understand gross pay, deductions, and take-home pay. See how SSS, PhilHealth, Pag-IBIG, and withholding tax move money from gross to net — with a simple numeric walkthrough.
BIR Income Tax in the Philippines: TRAIN Law Basics for Employees
A plain-language overview of graduated income tax under RA 10963 (TRAIN), how annual taxable income maps to rates, and why monthly withholding exists on your payslip.
How SSS, PhilHealth, and Pag-IBIG Contributions Work on Your Payslip
A side-by-side look at the three big monthly contributions: what they fund, how bases and ceilings work, and how to sanity-check amounts against official tables.
PhilHealth Premiums in the Philippines: A Guide for Employees
Understand how PhilHealth premiums are typically computed on salary, why shares are split between employee and employer, and where to verify official rates.