I built a free Philippine tax & take-home pay calculator with updated 2026 SSS/PhilHealth rates — no signup
Hi r/phinvest! Like a lot of you, I got tired of computing my take-home pay and BIR tax by hand every time the SSS/PhilHealth rates changed. So I built a free calculator suite to do it, and figured this community might find it useful too.
A few things I made sure of, since accuracy is the whole point:
• Updated 2026 rates — SSS is now 15% (5% employee share), PhilHealth 5%, Pag-IBIG 2%. A lot of online calculators still use old 2023/2024 numbers.
• Full breakdown — shows your SSS, PhilHealth, Pag-IBIG, and income tax separately, not just one lumped number.
• Beyond just salary — there's also a freelancer 8%-vs-graduated tax comparison, 13th-month, MP2, SSS/Pag-IBIG loans, a credit card payoff calculator, and an "can I afford this?" tool.
Completely free, no signup, runs entirely in your browser (nothing you type is sent anywhere).
I'd genuinely love feedback — especially if anyone spots a number that looks off vs. your actual payslip, since I want the math to be airtight. Link in comments to respect the no-link rule (mods, lmk if I should move this).