Philippine Income Tax Calculator
Estimate your annual and monthly income tax using TRAIN rates. You can choose either the 2018–2022 schedule or the 2023 onwards schedule.
How this Philippine tax calculator works
This calculator estimates graduated income tax for individuals based on Philippine TRAIN brackets. It is designed for quick planning: enter your gross income, subtract your estimated deductions or non-taxable portions, then compute your taxable income and tax due.
The tool gives you a practical snapshot of:
- Estimated annual taxable income
- Annual tax due
- Estimated monthly tax equivalent
- Effective tax rate
- Estimated net income after tax and deductions
Philippine income tax brackets used in this tool
TRAIN 2023 onwards
| Taxable Income | Tax Due |
|---|---|
| ₱250,000 and below | 0% |
| Over ₱250,000 to ₱400,000 | 15% of excess over ₱250,000 |
| Over ₱400,000 to ₱800,000 | ₱22,500 + 20% of excess over ₱400,000 |
| Over ₱800,000 to ₱2,000,000 | ₱102,500 + 25% of excess over ₱800,000 |
| Over ₱2,000,000 to ₱8,000,000 | ₱402,500 + 30% of excess over ₱2,000,000 |
| Over ₱8,000,000 | ₱2,202,500 + 35% of excess over ₱8,000,000 |
TRAIN 2018–2022
| Taxable Income | Tax Due |
|---|---|
| ₱250,000 and below | 0% |
| Over ₱250,000 to ₱400,000 | 20% of excess over ₱250,000 |
| Over ₱400,000 to ₱800,000 | ₱30,000 + 25% of excess over ₱400,000 |
| Over ₱800,000 to ₱2,000,000 | ₱130,000 + 30% of excess over ₱800,000 |
| Over ₱2,000,000 to ₱8,000,000 | ₱490,000 + 32% of excess over ₱2,000,000 |
| Over ₱8,000,000 | ₱2,410,000 + 35% of excess over ₱8,000,000 |
Step-by-step: using the calculator correctly
1) Enter gross income
Use your monthly or annual gross pay depending on your selected period. If you are paid monthly, monthly values are usually easier for planning.
2) Add deductions / non-taxable amounts
Examples may include statutory contributions and other non-taxable components based on your payroll setup. Keep this as an estimate if you are planning ahead.
3) Pick the tax schedule
Select the year range that matches the rates you want to model. For current planning, most users should choose TRAIN 2023 onwards.
4) Review results
The output includes annual and monthly figures so you can quickly evaluate take-home impact.
Example scenario
Suppose your monthly gross income is ₱60,000 and your monthly deductions/non-taxable portions are ₱6,000 under the 2023 schedule:
- Annual gross = ₱720,000
- Annual deductions = ₱72,000
- Taxable income = ₱648,000
- Tax due = ₱22,500 + 20% of (₱648,000 − ₱400,000) = ₱72,100
- Equivalent monthly tax ≈ ₱6,008.33
This gives a clear, usable estimate for budgeting and salary planning.
Important notes and limitations
- This is an educational estimator, not an official BIR filing system.
- Actual withholding may differ depending on payroll frequency, benefits treatment, and adjustments.
- Rules for self-employed individuals, mixed-income earners, and optional regimes are more complex.
- Always confirm your final figures with a qualified accountant or official BIR guidance.
Disclaimer: This calculator provides general estimates only and does not constitute legal or tax advice.