Gross to Net Calculator Philippines 2025-2026
Calculate the required gross salary for your desired take-home pay. Reverse salary calculator with SSS, PhilHealth, Pag-IBIG, and tax deductions.
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The net pay you want to receive after all deductions
Understanding Gross to Net Calculation
This reverse calculator helps you determine what gross salary you need to ask for during job negotiations or contract discussions when you have a specific take-home pay target in mind.
When to Use This Calculator
- Salary Negotiations: Know what gross to ask for to meet your budget needs
- Job Comparisons: Compare offers based on actual take-home pay
- Budgeting: Determine if a job offer meets your financial requirements
- Freelance Pricing: Calculate rates that give you desired net income
Deductions Considered
| Deduction | Rate | Notes |
|---|---|---|
| SSS | 5% | Based on MSC (₱5,000 - ₱35,000) |
| PhilHealth | 2.5% | Floor ₱10k, Ceiling ₱100k |
| Pag-IBIG | 2% | Maximum ₱200/month |
| Tax | 0-35% | TRAIN Law progressive rates |
Example Calculation
If you want a take-home pay of ₱30,000:
- Required Gross: approximately ₱35,900
- SSS: ₱1,750
- PhilHealth: ₱897.50
- Pag-IBIG: ₱200
- Tax: ₱2,052
- Net Pay: ₱31,000
Important Notes
- Results are estimates - actual payroll may have slight variations
- Does not account for company-specific deductions (loans, insurance)
- 13th month pay and bonuses are computed separately
- Self-employed individuals have different contribution structures
Tip: When negotiating salary, always discuss in terms of gross pay.
Use this calculator to know what gross figure will give you your desired net income.
Frequently Asked Questions
How does the gross to net calculator work?
This calculator works in reverse - you enter your desired take-home pay, and it calculates the gross salary needed to achieve that net after all deductions (SSS, PhilHealth, Pag-IBIG, and withholding tax).
Why would I need to calculate gross from net?
This is useful for salary negotiations when you have a target take-home amount in mind, budgeting when you need a specific net income, or understanding the true cost to your employer for your desired salary.
Is the calculation exact?
The calculator provides a very close estimate using iterative computation. Due to tax bracket thresholds and SSS table brackets, there may be minor differences of ₱1-5 in the actual net pay.
What deductions are considered?
The calculator accounts for all mandatory deductions: SSS (5% employee share), PhilHealth (2.5%), Pag-IBIG (2%, max ₱200), and withholding tax based on TRAIN Law brackets.
Does this work for all salary levels?
Yes, the calculator works for salaries from minimum wage up to high-income brackets. It automatically adjusts for tax-exempt income below ₱20,833/month and applies progressive tax rates for higher income.