Free Financial Tools for Filipino Workers
Calculate your SSS, Pag-IBIG, and PhilHealth contributions. Compute your net pay, 13th month, and overtime. All free, no signup required.
Financial Calculators
Essential tools for computing your contributions and earnings
SSS Contribution Calculator
Calculate your monthly SSS contribution based on your salary. Updated with 2026 rates.
PopularEmergency Fund Calculator
Calculate how much emergency fund you need based on your monthly expenses.
NewDebt Payoff Calculator
Plan your debt-free journey. Compare Avalanche vs Snowball payoff methods.
NewPag-IBIG MPL Calculator
Estimate your Pag-IBIG Multi-Purpose Loan amount and monthly amortization.
PopularPag-IBIG Housing Loan Calculator
Calculate max loan amount and monthly amortization for Pag-IBIG housing.
SSS Maternity Benefit Calculator
Calculate maternity benefit for normal delivery, C-section, or solo parent.
Guides & Reference
Helpful articles to understand your benefits
SSS Emergency Loan Program: Rules, Amounts and How to Apply
SSS Emergency Loan Program under Circular 2026-003. Who qualifies, how much you can borrow, the 7% rate, the 6-month moratorium, and how to apply online.
Pag-IBIG Contribution Table 2026: Monthly Shares for Every Salary
Pag-IBIG Contribution Table 2026. Employee pays 1% up to P1,500 and 2% above it, employer pays 2%, computed on a P10,000 maximum. Full table.
Pag-IBIG HEAL: Borrowing Against Your Housing Loan Equity
Pag-IBIG HEAL lets good-paying housing loan borrowers borrow against their property's net value, up to 30 years. Who qualifies and how much you can get.
SSS Pension Guide: Estimate Your Monthly Retirement Benefits
Complete guide to SSS retirement pension in 2026. Learn the official formula, contribution requirements, and how to estimate your monthly pension.
PhilHealth Contribution Table 2026: Monthly Premiums for All Salary Levels
PhilHealth Contribution Table 2026 with 5% rate. See your exact monthly premium based on salary. Income floor P10,000, ceiling P100,000. Same rates as 2025.
Complete YAKAP GAMOT List: All 75 Free Medicines at PhilHealth Clinics (2026)
Full list of 75 free medicines at PhilHealth YAKAP clinics 2026. Antibiotics, diabetes, hypertension, asthma drugs, and 21 essential medicines always in stock.
Salary & Benefits Reference
Pre-computed salary breakdowns, minimum wage data, and contribution tables
Salary Breakdowns
Pre-computed SSS, PhilHealth, Pag-IBIG, tax, and net pay for salaries from ₱5,000 to ₱100,000.
96 Salary LevelsMinimum Wage by Region
2026 minimum wage rates for all 17 Philippine regions with benefits breakdown.
17 RegionsJob Salary Guide
Typical salary ranges and benefits for popular Filipino jobs — BPO, IT, nursing, and more.
40+ JobsWhy Use Pinoy Benefits?
Privacy First
All calculations happen in your browser. We don't store your salary or personal information.
Always Updated
Our tools use the latest contribution tables from SSS, Pag-IBIG, and PhilHealth.
Works Everywhere
Mobile-friendly design so you can calculate on your phone, tablet, or computer.
Philippine Government Benefits We Cover
Calculators and guides for every major government benefit program
SSS (Social Security System)
The SSS provides social insurance for private sector employees, self-employed individuals, and OFWs. Benefits include retirement pensions, maternity leave, sickness allowance, disability benefits, and salary and calamity loans.
Pag-IBIG Fund (HDMF)
Pag-IBIG provides savings and housing programs for Filipino workers. Members can access affordable housing loans, multi-purpose loans, calamity loans, and the high-yield MP2 savings program.
PhilHealth
PhilHealth is the national health insurance program covering all Filipinos. Through programs like YAKAP, members get free medicines, lab tests, cancer screenings, and primary care consultations at accredited clinics.
Frequently Asked Questions
Are the calculators free to use?
Yes, all calculators and tools on Pinoy Benefits are completely free. No signup, no hidden fees, and no personal information required. Your data stays in your browser and is never sent to our servers.
How accurate are the calculations?
Our calculators use the latest official contribution tables and rates from SSS, Pag-IBIG, and PhilHealth. While we strive for accuracy and update regularly, the results are estimates. Always verify with your employer or the relevant government agency for official computations.
What are the current SSS contribution rates for 2026?
The SSS contribution rate is 15% of your monthly salary credit — 5% from the employee and 10% from the employer. The monthly salary credit ranges from P5,000 to P35,000. Use our SSS Contribution Calculator to compute your exact share, or check the 2026 SSS Contribution Table.
How do I check my SSS or Pag-IBIG contributions online?
You can check your SSS contributions through the My.SSS portal at sss.gov.ph, and your Pag-IBIG contributions through the Virtual Pag-IBIG portal at pagibigfund.gov.ph. We have step-by-step guides for both: Check SSS Contributions and Check Pag-IBIG Contributions.
Is Pinoy Benefits affiliated with any government agency?
No. Pinoy Benefits is an independent website and is not affiliated with, endorsed by, or connected to SSS, Pag-IBIG, PhilHealth, BIR, or any Philippine government agency. We provide free tools and guides to help Filipinos understand their benefits.
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