Know exactly what you take home.
Free, accurate calculators for Philippine salaries, contributions, loans, and retirement — built on the current BIR, SSS, PhilHealth, and Pag-IBIG rules. No sign-up, no fuss.
Philippine money questions tend to have exact answers buried in a circular somewhere — how much SSS takes from a ₱28,000 salary, what your 13th-month pay is if you resigned in July, whether the 8% freelancer tax beats the graduated rates. PesoPlan answers them in a few seconds, then shows the working so you can check it against your own payslip.
Calculators
Salary & pay
Work out what actually lands in your pocket each payday.
Government contributions
Your mandatory SSS, PhilHealth, and Pag-IBIG deductions, split out.
Or see the full 2026 SSS, PhilHealth & Pag-IBIG contribution tables.
Loans & borrowing
Estimate monthly payments and the real cost before you sign.
Save, invest & retire
Plan your savings, dividends, and retirement income.
Compare banks, cards & loans
Independent comparisons, ranked by the everyday numbers — not the marketing.
Not sure where to start?
If you are employed, start with the Take-Home Pay Calculator — it applies BIR withholding tax and all three mandatory contributions at once, and everything else on this site is a piece of that same picture.
If you are self-employed or freelancing, the 8% vs graduated comparison is usually the most valuable few minutes you can spend. Past roughly ₱450,000 of gross receipts the gap widens steadily with income: at ₱1,000,000 of gross receipts with no itemised expenses, the two options differ by over ₱32,000 a year.
If you are working abroad, land-based OFWs pay a different SSS minimum and get unusually flexible deadlines; the OFW guide covers both. If you work in government, your retirement runs through GSIS rather than SSS — see the GSIS pension calculator.
Why you can trust the numbers
Every calculator's math lives in a tested function, checked against worked examples at the awkward places — bracket boundaries, contribution floors and ceilings, and the rounding rules that make SSS deductions jump in steps. Most figures in our explanations are generated from that same code rather than typed in by hand, so a page and the calculator it documents cannot quietly disagree.
Rates come from BIR, SSS, PhilHealth, and Pag-IBIG. Our calculators, guides, and comparison pages each carry a "last updated" date, or an "as of" date for the rates they use. Bank and loan rates change far more often than government tables, so those pages carry an "as of" date and tell you to confirm with the provider before acting. More on how we keep figures accurate.
Guides
New to payslip deductions? Plain-language explainers — or browse all guides.