1. What is this Salary Calculator?

This calculator helps Philippine government employees estimate their take-home pay by accounting for basic salary, PERA, allowances, and mandatory deductions including SSS, PhilHealth, PAG-IBIG, and withholding tax.

2. How Does the Calculator Work?

The calculator uses the following formula:

Where:

• Basic Pay — Base monthly salary according to salary grade
• PERA — Personnel Economic Relief Allowance (PHP 2,000 for most employees)
• Allowances — Additional compensation like subsistence, laundry, etc.
• SSS — Social Security System contribution (typically 4.5% of basic pay)
• PhilHealth — Health insurance contribution (typically 3% of basic pay)
• PAG-IBIG — Home Development Mutual Fund contribution (typically 2% of basic pay)
• Tax — Withholding tax based on BIR tax tables

3. Understanding Philippine Government Salary Components

Basic Pay: Determined by salary grade and step increments. This is the foundation of government compensation.

PERA: A fixed PHP 2,000 monthly allowance for most government personnel to help with living costs.

Mandatory Deductions: All government employees must contribute to SSS, PhilHealth, and PAG-IBIG, with rates set by law.

4. Using the Calculator

Tips: Enter your basic monthly salary in PHP. The calculator pre-fills typical values for PERA (PHP 2000) and contribution percentages, but you can adjust these if needed.

5. Frequently Asked Questions (FAQ)

Q1: Is PERA always PHP 2,000?
A: Most government employees receive PHP 2,000, but some positions (like constitutional officials) have higher PERA amounts.

Q2: Are contribution rates fixed?
A: Rates can change based on laws and salary brackets. The calculator uses typical values but check latest GSIS/PAG-IBIG circulars for exact rates.

Q3: How is withholding tax calculated?
A: Tax is based on BIR withholding tax tables. The calculator lets you input your applicable tax rate percentage.

Q4: What about GSIS contributions?
A: Regular government employees contribute to GSIS instead of SSS. This calculator uses SSS rates for simplicity.

Q5: Are all allowances taxable?
A: Some allowances are tax-exempt. Consult your HR department for specific tax treatment of your allowances.