Salary2 min read · Updated October 21, 2026

What ₱30,000 a month becomes after deductions

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

A worked example of what you keep after SSS, PhilHealth, Pag-IBIG and income tax.

Example: ₱30,000 a month

How much is the take-home pay on ₱30,000?

About ₱26,543 a month after contributions and tax.

Published October 21, 2026. Estimates, not tax or mortgage advice.