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Home / Calculators

Financial Calculators

Free tools to help you calculate contributions, deductions, and earnings. All calculations are done in your browser - we never store your data.

SSS Benefits

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SSS Contribution Calculator

Estimate SSS contributions by member category, with household-worker rules, self-employed EC and separate member/employer totals.

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SSS Loan Calculator

Estimate SSS salary loan payments and proceeds: regular MSC-based ceilings up to ₱40,000, 8% or 10% interest and date-based deductions.

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SSS Maternity Benefit Calculator

Estimate SSS maternity cash benefits using regular salary credits: 105 days for live birth, 120 for qualified solo-parent live birth, or 60 for pregnancy loss.

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SSS Sickness Benefit Calculator

Estimate SSS sickness cash benefits using regular salary credits and approved compensable days, without an automatic three-day deduction.

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SSS Pension Calculator

Illustrate the retirement formula using verified AMSC and credited years, with a separate September 2026 pension-increase check.

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SSS Disability Benefit Calculator

Calculate SSS disability pension or lump sum benefit for partial or total disability.

Pag-IBIG Benefits

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Pag-IBIG MP2 Calculator

Calculate your MP2 savings growth with compound dividends. 5-year maturity, tax-free returns at ~7% annually.

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Pag-IBIG Housing Loan Calculator

Calculate your maximum Pag-IBIG housing loan amount, monthly amortization, and required income based on current interest rates.

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Pag-IBIG Multi-Purpose Loan Calculator

Estimate your Pag-IBIG MPL loanable amount and monthly amortization. Up to 90% of total savings at 10.5% annual interest.

PhilHealth

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PhilHealth Contribution Calculator

Calculate your monthly PhilHealth contribution. 5% rate with P10,000 floor and P100,000 ceiling, split 50-50.

Senior Citizen

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Senior Citizen Discount Calculator

Calculate 20% senior citizen discount plus VAT exemption for medicines, restaurants, and services under RA 9994.

Employment

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Net Pay Calculator

Calculate your take-home salary after SSS, PhilHealth, Pag-IBIG, and tax deductions. TRAIN Law rates.

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Gross to Net Calculator

Calculate the required gross salary for your desired take-home pay. Reverse salary calculator.

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13th Month Pay Calculator

Calculate your 13th month pay based on PD 851. Includes pro-rated computation. Tax-free up to P90,000.

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Overtime Pay Calculator

Calculate overtime pay for regular days, rest days, and holidays. Full Labor Code rates from 125% to 507%.

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Night Differential Calculator

Calculate night shift differential pay (10PM-6AM). 10% premium with OT and holiday combinations.

Personal Finance

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Emergency Fund Calculator

Calculate how much emergency fund you need based on your monthly expenses. 3-6 months recommended savings.

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Debt Payoff Calculator

Plan your debt-free journey. Calculate payoff time using avalanche or snowball method.

Pinoy Benefits

Free financial calculators and guides for Filipino workers, OFWs, and employers. Helping Pinoys make informed financial decisions.

Calculators

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