FreeNo sign-in. Nothing to sell you.
Know your 13th month pay and what you keep.
Free Philippines money checks: 13th month pay, take-home pay, SSS loans and the real cost of a loan. Type your numbers, get the answer in plain words, and see how it was worked out.
Your pay
Borrowing
Working for yourself
Everyday money
How it works
- 1. Type your numbersOnly what you know. Every box says where to find it.
- 2. Get the answerIn plain words, with the working underneath.
- 3. Keep itSign in with your email to save a check and open it again later.
Guides people search for
How to compute your 13th month pay
The formula for 13th month pay, who gets it, the 24 December deadline, and worked examples for a full year and a part year.
SalaryIs 13th month pay taxed? The ₱90,000 limit
Your 13th month pay and other benefits are tax-free up to ₱90,000 a year. Here is what happens above it.
ContributionsSSS contributions in 2026: what you pay
The SSS rate is 15% of your monthly salary credit. Employees pay 5%. See the range from ₱250 to ₱1,750 a month.
LoansSSS salary loan: how much can you borrow?
The most you can borrow, the interest, the service fee and the monthly payment on an SSS salary loan.
ContributionsPhilHealth and Pag-IBIG contributions in 2026
PhilHealth takes 5% of your salary, shared with your employer. Pag-IBIG takes 2% of up to ₱10,000.
TaxesPhilippine income tax rates and brackets
The income tax brackets for employees from 2023 onward, with nothing to pay on the first ₱250,000.
Questions
Is it really free?
Yes. There is no charge and no card needed. Nothing here is sold to a lender, a bank or anyone else.
Do you keep my numbers?
No. The maths runs in your browser. If you sign in and choose to save a check, only that check is stored, and you can delete it any time.
Is this financial or tax advice?
No. These are estimates from official published rates, with the working shown. For decisions that matter, check with the provider or an adviser.
Where do the figures come from?
Government pages (GOV.UK, the IRS, CRA and IRCC), dated on each page. Every tool shows its sources.