FreeNo sign-in. Nothing leaves your browser.

Take-home pay: SSS, PhilHealth, Pag-IBIG and income tax

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.

See what you keep each month after your contributions and income tax.

Employee share only. Withholding tax at your payroll may differ slightly. Rates as of October 2026.

Common questions

How much income tax is there on ₱30,000 a month?

About ₱1,008 a month after contributions, using the 2023 table.