Every Sahod PH Calculator, and When to Actually Use Each One

Sahod PH started with one tool: a calculator that answers the question every Filipino employee eventually asks — "how much of this is actually going to land in my account?" It's grown into 22 of them since, covering tax, contributions, savings, and loans. This is the guided tour: what each one does, and when it's the right one to reach for.

Taxes & Income

Income Tax Calculator — the original. Enter your monthly salary and see the full withholding breakdown: SSS, PhilHealth, Pag-IBIG, and the BIR withholding tax that comes off before you ever see the money. Switch to the annual view to add 13th month pay and other bonuses and see your full-year tax picture.

13th Month Calculator — 13th month pay (and bonuses stacked with it) get a ₱90,000 tax-free ceiling. This tells you how much of yours stays untaxed and what happens to the excess.

Overtime & Holiday Pay Calculator — worked past 8 hours, on a rest day, or on a holiday? This applies the DOLE premium multipliers — including night differential stacking — so you can check your employer paid you the right premium.

Night Differential Calculator and Premium Pay & Rest Day Pay Calculator — narrower cousins of the calculator above, for when you just need one specific premium computed on its own.

SSS Contribution Calculator, PhilHealth Contribution Calculator, and Pag-IBIG Contribution Calculator — each mandatory deduction, computed on its own with the current 2026 tables, for when you want to check one line item instead of a full payslip.

Daily Rate Converter — converts a monthly salary into its daily and hourly equivalent using the DOLE-standard 261-day divisor. The building block for a lot of the other computations on this list.

Prorated Salary Calculator — for new hires starting mid-cycle or anyone leaving mid-cycle. Exact pay for a partial pay period, not a rough estimate.

Minimum Wage Calculator — pick your region, get the current daily minimum wage plus its monthly and hourly equivalent. Useful as a sanity check against whatever you're actually being paid.

Separation Pay Calculator and Final Pay Calculator — what you're owed when employment ends, whether that's redundancy, retrenchment, or simply resigning and collecting what's due.

Cost of Employment Calculator — flips the perspective to the employer's side. A quoted salary is only the starting point; this adds employer SSS/PhilHealth/Pag-IBIG shares and 13th-month accrual to show the true monthly cost of a hire.

Payslip Generator — turns a salary into a clean, printable payslip preview, using the same math as the Income Tax Calculator.

Freelancer & Self-Employed Tax Calculator — the newest addition. If you invoice clients instead of drawing a payroll salary, this runs the 8% flat tax against graduated rates plus the 3% percentage tax side by side, so you know which election actually costs less before you're locked into it for the year.

Savings & Investments

MP2 Savings Estimator — projects what a 5-year Pag-IBIG MP2 contribution grows into, whether you take dividends yearly or let them compound.

Digital Bank Interest Calculator — compares Maya, SeaBank, GoTyme, and the rest, with the 20% withholding tax already factored in so the number you see is what you'd actually keep.

Loan Calculators

Home Loan Calculator and Pag-IBIG Housing Loan Calculator — monthly amortization for bank financing or a Pag-IBIG housing loan, before you sign anything.

Car Loan Calculator — monthly payment based on unit price, down payment, and the dealer's rate.

Personal Loan Calculator — for salary loans, bank loans, and digital lending apps.

SSS Salary Loan Calculator — how much you can actually borrow against your SSS contributions, including the real ₱20,000 loan ceiling most guides skip over.

Pag-IBIG MPL Calculator — the Pag-IBIG Multi-Purpose Loan, computed against your accumulated savings.

Which One Do You Actually Need?

If you're only going to bookmark one, make it the Income Tax Calculator — it's the computation everything else on this site either feeds into or borrows from. From there, work outward: contributions and premium pay if you're checking a payslip, the loan calculators if you're about to commit to financing, and the freelancer tax calculator if payroll isn't how you get paid at all.

Every number on every tool here runs client-side, in your browser — nothing you type gets sent anywhere. Browse the full set any time from Calculators, and if a computation doesn't match what you expected, the Guides section usually has the worked-through explanation of exactly how we got there.