Philippine Job Comparer
Compare job offers with automatic take-home pay calculations including Philippine income taxes (applicable to 2026), SSS, PhilHealth, Pag-IBIG contributions, and work-related expenses.
Job Option 1
Job Option 2
How We Calculate Your Net Pay
Below is a breakdown of deductions based on your employment type. All calculations use Philippine tax rates and contribution schedules applicable to 2026.
Deductions by Employment Type
Employee Deductions
- SSS contributions based on income bracket
- PhilHealth premium: 2.5% of monthly salary (minimum ₱10,000, maximum ₱100,000)
- Pag-IBIG contributions: Employee share only
- Monthly withholding income tax: calculated on annual basis using graduated brackets applicable to 2026, then divided by 12
- 13th month bonus tax: ₱90,000 annual exemption, taxed using graduated brackets on the remainder
Contractors / Self-Employed
- SSS contributions based on income bracket
- PhilHealth premium: 5% of monthly salary (minimum ₱10,000, maximum ₱100,000)
- Pag-IBIG contributions: Full amount (employee and employer shares)
- As there are many ways to file taxes as a contractor, we use the following rules assuming you do not have a lot of operating expenses:
- Up to ₱3M: 8% flat rate on gross income less ₱250,000 deduction
- Over ₱3M: Graduated tax rates using 40% Optional Standard Deduction (OSD)
- Note: Itemized Deductions may yield better results for some earners
Work-Related Expense Estimates
- Onsite: 22 working days per month (standard office days)
- Hybrid: Uses your custom office days per month
- Remote: No commute or meal expenses estimated
Important Limitations
- These calculations are estimates based on Philippine tax and contribution rates applicable to 2026. Your actual net pay may vary based on employer, circumstances, and pay frequency.
- Not included: special pay (night differential, holiday rates), bonuses, and allowances beyond base salary.
- Does not account for: local government unit (LGU) taxes, optional withholdings, or employer-specific benefit deductions.
- As there are many ways to file taxes as a contractor, we use simplified assumptions which may not fit all scenarios. Consider consulting a tax professional for personalized advice.