What is the difference between gross and net salary in Philippines?

Gross salary is your total compensation before deductions. Net salary (take-home pay) is what you actually receive after income tax, social security, Medicare, and other deductions are subtracted.

Take-Home Pay in Philippines (2026)

Q: How are taxes calculated in Philippines?

Tax calculations include income tax, social security contributions, and other mandatory deductions. The effective tax rate of 10% is an estimate based on the cost of living index.

Estimated tax rate: 10% · Updated for 2026

Est. Income Tax Rate

10%

Social Security

6.2%

Medicare

1.45%

Total Deductions

18%

Tax Breakdown for Philippines

Deduction Type	Rate	On 100k PHP
Income Tax	10%	10,000 PHP
Social Security	6.2%	6,200 PHP
Medicare	1.45%	1,450 PHP
Total Deductions	18%	17,650 PHP
Take-Home Pay	82%	82,350 PHP

Take-Home Pay by Job in Philippines

Job Title	Avg. Gross (PHP)	Take-Home (PHP)	COL-Adj. Take-Home (PHP)
Surgeons / Doctors	177,934 PHP	146,528 PHP	503,608 PHP
Judges	149,580 PHP	123,179 PHP	423,360 PHP
Lawyers	121,226 PHP	99,830 PHP	343,112 PHP
Bank Managers	114,080 PHP	93,945 PHP	322,896 PHP
Chief Executive Officers	106,905 PHP	88,036 PHP	302,512 PHP
Chief Financial Officers	99,730 PHP	82,127 PHP	282,296 PHP
Orthodontists	96,287 PHP	79,292 PHP	272,496 PHP
College Professors	85,408 PHP	70,333 PHP	241,696 PHP
Pilots	71,376 PHP	58,778 PHP	202,048 PHP
Marketing Directors	64,201 PHP	52,870 PHP	181,664 PHP

Average Take-Home Pay by Category

Category	Avg. Gross (PHP)	Take-Home (PHP)	Effective Rate
AI & Machine Learning	80,200 PHP	66,045 PHP	18%
Finance & Accounting	79,274 PHP	65,282 PHP	18%
Business Administration	88,359 PHP	72,764 PHP	18%
Advertising	67,158 PHP	55,304 PHP	18%
Architecture	68,136 PHP	56,110 PHP	18%
Automotive & Car Industry	65,694 PHP	54,099 PHP	18%
Aviation	80,895 PHP	66,617 PHP	18%
Banking	95,014 PHP	78,244 PHP	18%
Construction	65,011 PHP	53,536 PHP	18%
Counseling	64,756 PHP	53,327 PHP	18%
Customer Service	52,072 PHP	42,882 PHP	18%
Education & Teaching	68,003 PHP	56,000 PHP	18%
Energy	73,893 PHP	60,851 PHP	18%
Engineering	62,025 PHP	51,078 PHP	18%
Manufacturing	70,884 PHP	58,373 PHP	18%
Fitness & Sports	47,154 PHP	38,831 PHP	18%
Hospitality	67,435 PHP	55,533 PHP	18%
Healthcare	175,503 PHP	144,527 PHP	18%
Human Resources	65,526 PHP	53,960 PHP	18%
Import & Export	50,909 PHP	41,924 PHP	18%
Insurance	73,719 PHP	60,708 PHP	18%
Information Technology	66,776 PHP	54,990 PHP	18%
Law & Legal Services	103,462 PHP	85,201 PHP	18%
Marketing	72,678 PHP	59,850 PHP	18%
Pharmaceutical & Biotechnology	93,625 PHP	77,100 PHP	18%
Public Relations	60,873 PHP	50,129 PHP	18%
Procurement	67,233 PHP	55,366 PHP	18%
Quality Control	59,022 PHP	48,604 PHP	18%
Real Estate	78,175 PHP	64,377 PHP	18%
Sales	79,217 PHP	65,235 PHP	18%
Telecommunications	58,918 PHP	48,519 PHP	18%

Take-Home Pay in Philippines — Overview

The estimated effective tax rate in Philippines is 10% based on the cost of living index of 29.1%. Combined with Social Security (6.2%) and Medicare (1.45%), your total deductions amount to approximately 18% of your gross income.

For a gross salary of 100,000 PHP, your estimated take-home pay would be approximately 82,350 PHP per year, or about 6,863 PHP per month.

Salary Overview — Top 10 Jobs

Monthly salary in PHP · singhyogendra.com.np

Surgeons / Doctors83,325 – 272,542177,934 PHP
Judges70,016 – 229,144149,580 PHP
Lawyers56,707 – 185,745121,226 PHP
Bank Managers53,409 – 174,751114,080 PHP
Chief Executive Officers50,053 – 163,757106,905 PHP
Chief Financial Officers46,697 – 152,76299,730 PHP
Orthodontists45,019 – 147,55596,287 PHP
College Professors40,042 – 130,77485,408 PHP
Pilots33,388 – 109,36471,376 PHP
Marketing Directors30,032 – 98,37064,201 PHP

singhyogendra.com.np

Top Paying Jobs in Philippines

See the full list of highest paying careers and salaries in Philippines.

Best Paying Jobs in Philippines

Cost of Living in Philippines

See how far your salary goes in Philippines and compare purchasing power across categories.

Cost of Living in Philippines

Frequently Asked Questions

What is the take-home pay in Philippines?

The take-home pay in Philippines depends on your gross salary. After income tax (10%), Social Security (6.2%), and Medicare (1.45%), you keep approximately 82% of your gross income.

How are taxes calculated in Philippines?

Tax calculations include income tax, Social Security contributions (6.2%), Medicare (1.45%), and other deductions. The effective tax rate of 10% is estimated based on the cost of living index.

What is the difference between gross and net salary?

Gross salary is your total compensation before deductions. Net salary (take-home pay) is what you receive after income tax, Social Security, Medicare, and other deductions. For a gross salary of 100,000 PHP, you keep approximately 82,350 PHP after all deductions.