2026 Official Rates

Philippine Contribution Calculator

Instantly compute your PhilHealth, SSS, and Pag-IBIG contributions — employee and employer shares — using the latest 2026 government rates.

Enter Your Details

Enter your pay for the selected frequency — it will be converted to monthly. PhilHealth: ₱10,000–₱100,000 effective range · SSS: ₱5,000–₱35,000 MSC · Pag-IBIG: capped at ₱10,000
Changes who pays which share. Private: SSS · Government: GSIS (9% EE / 12% Gov't) · Self-employed/OFW/Voluntary: you pay both sides · Kasambahay <₱5,000: employer covers all
Extra savings on top of your mandatory ₱200/mo. Added to your employee total — employer does not match this. Min: ₱0 (skip if none) · No statutory maximum

Contribution Results

PhilHealth
Rate: 5% of basic salary
Total Premium
0.00
SSS
Rate: 15% of MSC (Employer 10% + Employee 5%)
Total
0.00
Pag-IBIG (HDMF)
Rate: 2% employee + 2% employer
Total
0.00

Monthly Summary

▼ Your Deductions
0.00
▲ Employer Pays
0.00
Monthly Net Take-home 0.00

⚠️ Income tax (BIR withholding) is not included in the figure above — see the tax card below for a full estimate.

Frequently Asked Questions

What is the PhilHealth premium rate for 2026?
The PhilHealth premium rate for 2026 is 5.0% of monthly basic salary, shared equally between employee and employer (2.5% each). The computation uses a salary floor of ₱10,000 (minimum total premium ₱500) and a ceiling of ₱100,000 (maximum total premium ₱5,000). Self-employed and voluntary members pay the full 5% themselves.
How is SSS contribution computed in 2026?
SSS uses a bracket table — not a flat percentage — to determine your Monthly Salary Credit (MSC). The total contribution rate is 15% of the MSC: 5% employee and 10% employer. The MSC floor is ₱5,000 and the ceiling is ₱35,000. Employers also pay a fixed Employees' Compensation (EC) premium of ₱10 (MSC ≤ ₱14,750) or ₱30 (MSC > ₱14,750).
What is the Pag-IBIG monthly contribution cap?
Under Pag-IBIG Circular No. 460 (2024), the Monthly Fund Salary (MFS) cap is ₱10,000. This means the maximum mandatory contribution is ₱200 each for employee and employer (2% × ₱10,000). Members earning ≤ ₱1,500/month contribute 1% instead. You can add a voluntary top-up above the mandatory amount using the field on this calculator.
Are contributions the same for self-employed individuals?
No. Self-employed, freelancers, and voluntary members shoulder both the employee and employer share for SSS and Pag-IBIG contributions. For PhilHealth, self-employed members pay the full 5% premium directly. Use the "Employment Type" dropdown above to switch the calculator to self-employed mode.
What are the rules for Kasambahay household workers?
Under RA 10361 (Batas Kasambahay), household employers shoulder both employee and employer shares for all three agencies if the kasambahay earns less than ₱5,000/month. Above ₱5,000, the normal split applies. Select "Kasambahay" in the dropdown to see the correct breakdown.