Tax Calculator Philippines

Philippines Income Tax Calculator TRAIN 2023+ Profile: NTRC

A. Choose Computation Mode


B. Income Details

Contributions auto‑compute from your monthly equivalent under the **NTRC** profile.

C. Tax‑Exempt Benefits

First ₱90,000 exempt; excess is taxable.
Fully non‑taxable (does not consume the ₱90,000 cap).

D. Self‑Employed / Professional (optional)

For mixed income with 8% business: ₱250k reduction does not apply to the business portion.

E. Special & Contributions

If ticked, compensation becomes tax‑exempt (ensure you meet regional minimum rules).

Live monthly contributions

Selected fund (per month): SSS ₱0.00  |  PhilHealth ₱0.00  |  Pag‑IBIG ₱0.00 (shows only the chosen fund)

Filing taxes in the Philippines can feel complicated, but it doesn’t have to be. With our Philippine Tax Calculator on this website, you can instantly estimate how much tax you owe based on your salary, contributions, and deductions.

Instead of memorizing BIR tax tables or making manual computations, you’ll just enter your details into the calculator and get results in seconds. This guide will walk you through how to use the tool, what information you need, and how it can help you stay tax-ready.

How to Use the Tax Calculator

Step 1. Select Your Membership Fund

Choose whether you are a member of SSS (private sector) or GSIS (government). The calculator will adjust your monthly contributions automatically.

  • SSS – contributions depend on your Monthly Salary Credit.

  • GSIS – fixed at 9% of your monthly salary.

Step 2. Input Your Salary and Benefits

  • Enter your basic monthly salary.

  • Add any other taxable allowances.

  • Provide your 13th month pay and bonuses (first ₱90,000 is tax-exempt).

  • Add any de minimis benefits (non-taxable).

Step 3. Review Auto-Computed Contributions

The calculator shows your monthly deductions:

  • SSS or GSIS

  • PhilHealth (1.5%–2.5% depending on profile)

  • Pag-IBIG (max ₱100–₱200 depending on profile)

Step 4. Click “Compute”

Get instant results:

  • Annual Taxable Income

  • Annual Tax Due

  • Effective Tax Rate

  • Estimated Monthly Withholding

Example Calculations

Monthly Salary Fund Selected Contributions (Monthly) Annual Income Tax Due Effective Tax Rate
₱10,000 SSS ₱400 (SSS) + ₱150 PH + ₱100 Pag-IBIG ₱0 (below TRAIN threshold) 0%
₱20,000 GSIS ₱1,800 (GSIS) + ₱300 PH + ₱100 Pag-IBIG ₱25,150 10.5%
₱40,000 SSS ₱800 (SSS) + ₱600 PH + ₱100 Pag-IBIG ₱45,500 9.4%

Why Use Our Philippines Tax Calculator?

Our tool is built to give you confidence in your tax computations. Here’s what you can expect:

Accurate under TRAIN Law (2023 and beyond):
Our calculator strictly follows the latest BIR tax tables under the TRAIN Law. You can be confident that your results reflect the official tax brackets and computations currently enforced in the Philippines.

Flexible for any worker type:
Whether you’re a private employee contributing to SSS or a government employee under GSIS, you can easily switch between the two settings. No need for separate tools, our calculator adapts instantly to your employment type.

Automatic deductions:

Forget the hassle of looking up contribution tables. The calculator automatically computes your PhilHealth and Pag-IBIG deductions based on your salary range, ensuring your figures are always up-to-date.

Covers all earning modes:

Not everyone earns income in the same way. That’s why our tool supports employees, self-employed professionals, and mixed-income earners, giving you flexibility no matter how you earn.

Who Can Use This Tax Calculator?

  • Employees (SSS/GSIS members) – private and government workers.

  • Self-Employed and Professionals – choose between 8% flat tax or graduated rates with deductions.

  • Mixed Income Earners – salaried employees with business income.

  • Minimum Wage Earners (MWE) – can tick the exemption option.

How Our Tax Calculator Works

Our calculator follows the official BIR process step by step. Here’s what happens behind the scenes:

  1. You enter your monthly or annual income.

  2. The calculator deducts your mandatory contributions (SSS, PhilHealth, Pag-IBIG).

  3. It applies the latest TRAIN Law income tax brackets.

  4. You instantly see your estimated tax due (monthly and yearly).

For example:

  • If you input a ₱30,000 monthly salary, the calculator will automatically deduct contributions and show you your monthly withholding tax.

Frequently Asked Questions

Is this calculator official from the BIR?

No, this is not an official BIR calculator. However, it uses the latest BIR tax tables to ensure accurate estimates.

Can I rely on this calculator for filing my taxes?

Yes, you can use it as a reliable guide. But for final amounts, always check your BIR forms and tax returns.

Does the calculator include deductions like SSS, PhilHealth, and Pag-IBIG?

Yes. Our tool automatically considers mandatory contributions when computing your taxable income.

Who should use this tax calculator?

Employees, freelancers, and small business owners who want a quick way to check their estimated taxes.

How often should I use it?

At least once every quarter if you’re self-employed, or before tax season if you’re employed.

Our Philippine Tax Calculator was built to make your life easier. Instead of worrying about whether you’re paying too much or too little, you can simply input your numbers and get an instant estimate.

This tool is free, easy to use, and based on the latest BIR guidelines. Try it today and stay ahead of your taxes, you’ll save time, avoid stress, and gain confidence in your financial planning.