SSS, PhilHealth, Pag-IBIG and Tax: Your Payslip Deductions Explained

By the PH Trend Watch team · Updated October 29, 2026

Short answer: on a ₱30,000 monthly salary, a private-sector employee pays about ₱1,500 to SSS, ₱750 to PhilHealth, ₱200 to Pag-IBIG and roughly ₱1,000 in withholding tax, for take-home pay of about ₱26,500. Here is where each number comes from.

SSS (Social Security System)

SSS covers retirement, sickness, maternity, disability and death benefits. For 2025 the total contribution is 15% of your Monthly Salary Credit (MSC): your employer pays 10% and you pay 5%.

The MSC is your salary rounded into ₱500 brackets, from a minimum of ₱5,000 to a maximum of ₱35,000.
So your share ranges from ₱250 to ₱1,750 a month. Part of the contribution on salary credits above ₱20,000 goes to your Mandatory Provident Fund (MySSS Pension Booster) savings.

PhilHealth

PhilHealth is the national health insurance program. The premium is 5% of your basic monthly salary, shared equally, so you pay 2.5%.

Salaries below ₱10,000 are computed as ₱10,000, and salaries above ₱100,000 as ₱100,000.
Your share is therefore ₱250 to ₱2,500 a month.

Pag-IBIG Fund (HDMF)

Pag-IBIG is a savings program that also gives access to housing and short-term loans. Since 2024, contributions are computed on salary up to ₱10,000.

You pay 2% (1% if you earn ₱1,500 or less), and your employer pays 2%.
The maximum employee share is ₱200 a month. You can choose to contribute more to grow your savings.

Withholding tax

Income tax is computed on your salary after your SSS, PhilHealth and Pag-IBIG shares are deducted. Under the TRAIN Law table in effect since 2023:

Annual taxable income up to ₱250,000 (about ₱20,833 a month) is tax-free.
From ₱250,000 to ₱400,000, the rate is 15% of the excess over ₱250,000.
From ₱400,000 to ₱800,000, it is ₱22,500 plus 20% of the excess over ₱400,000, and higher brackets go up to 35%.

Minimum wage earners are exempt from income tax on their minimum wage, and 13th month pay and other benefits are tax-free up to ₱90,000 a year.

Worked example: ₱30,000 a month

SSS: MSC ₱30,000 × 5% = ₱1,500
PhilHealth: ₱30,000 × 2.5% = ₱750
Pag-IBIG: ₱10,000 × 2% = ₱200
Taxable income: ₱30,000 − ₱2,450 = ₱27,550 a month, or ₱330,600 a year
Tax: (₱330,600 − ₱250,000) × 15% = ₱12,090 a year, about ₱1,007.50 a month
Take-home pay: ₱26,542.50

Check your contributions are being paid

Deductions on your payslip only help you if your employer actually remits them. Check your records online through the My.SSS portal, the PhilHealth Member Portal and Virtual Pag-IBIG. If payments are missing, raise it with HR first, then with the agency.

General information based on 2025 contribution rates. Rates change; check SSS, PhilHealth, Pag-IBIG and the BIR for the latest figures.

Compute your take-home pay →