How to use the Philippines PhilHealth Pag IBIG Calculator

1. Read the scope and choose the correct period and salary basis.
2. Enter amounts in Philippine pesos. Replace the example values with your own planning figures.
3. Select Calculate estimate, then compare each output with your records.

Worked example

Using a ₱30,000 PhilHealth basis gives ₱1,500 total premium, shared as ₱750 each by employee and employer. A ₱30,000 Pag-IBIG basis is capped at ₱10,000 for the modeled regular savings calculation: ₱200 employee and ₱200 employer. The combined employee deduction is ₱950.

Method and limitations

A payslip can include basic salary, allowances, overtime, reimbursements and employer costs. These totals should not be interchanged without checking the relevant program definition. Enter the PhilHealth basis and Pag-IBIG fund salary separately, even when they happen to equal the same amount in a simple example. A higher CTC figure does not automatically mean every contribution is calculated from that figure.

Add only employee shares when estimating a payslip deduction. Employer shares are shown to help reconcile the contribution record and employer cost. If the payslip contains additional voluntary savings, list them separately before concluding the mandatory contribution is incorrect. Confirm the contribution month and posted records, especially after a job change or a payroll correction.

Read the Philippines Mandatory Contributions Guide for the assumptions, records to check and common differences.

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Global Calculators directory · Philippines Income Tax Calculator · Philippines Take Home Pay Calculator · Philippines SSS Contribution Calculator