CalcunetTax Calculator (Philippines)
Estimate your annual income tax due under the current TRAIN law brackets, plus your take-home pay and effective tax rate.
Taxable income
₱564,000.00
Annual income tax due
₱55,300.00
Take-home pay (after tax)
₱544,700.00
Effective tax rate
9.22%
How Philippine income tax brackets work
The Philippines uses a graduated (progressive) tax system: only the portion of your income that falls inside a higher bracket gets taxed at that bracket's rate — not your entire income. Someone earning ₱500,000 a year isn't taxed at 20% across the board; the first ₱250,000 is tax-free, the next ₱150,000 is taxed at 15%, and only the remaining ₱100,000 is taxed at 20%.
That's also why raises rarely "push you into a bracket" in a way that costs you money overall — your effective tax rate (total tax divided by total income) rises gradually, not in a sudden jump, even as your marginal rate on the next peso earned increases.
Want the policy behind these brackets, not just the numbers? Read TRAIN Law Explained.
Philippines tax calculator FAQ
What income tax brackets does this calculator use?
The TRAIN law (RA 10963) brackets effective January 1, 2023: 0% up to ₱250,000, 15% of the excess over ₱250,000 up to ₱400,000, 20% of the excess over ₱400,000 up to ₱800,000, 25% of the excess over ₱800,000 up to ₱2,000,000, 30% of the excess over ₱2,000,000 up to ₱8,000,000, and 35% of the excess over ₱8,000,000.
What counts as a non-taxable deduction?
Mandatory government contributions — SSS, PhilHealth, and Pag-IBIG employee shares — are excluded from taxable income. If you're salaried, your payslip already shows these; if you're estimating, use roughly 5-6% of your gross as a starting figure and adjust once you know your exact contributions.
Is this the same as what gets withheld from my paycheck?
Not exactly — your employer withholds tax every pay period using the same brackets applied to an annualized estimate of your pay, then reconciles the total at year-end (often via your December payslip or BIR Form 2316). This calculator gives you the full-year figure directly; use the withholding tax calculator if you want a specific pay period's withholding.
Does this apply to self-employed or mixed-income earners?
This calculator uses the graduated tax table, which applies to compensation income and to self-employed/professional income if you didn't opt into the 8% flat tax on gross receipts. If you're under the 8% option, your tax due is simply 8% of gross sales/receipts over ₱250,000 — a different, simpler computation not covered here.