PhilHealth Contribution Calculator
Estimate PhilHealth employee and employer premium shares using the current 5% rate and salary floor/ceiling.
Calculate your estimate
How the current PhilHealth contribution calculation works
PhilHealth’s published UHC schedule reaches a 5% premium rate with a ₱10,000 income floor and ₱100,000 ceiling. For formal-sector payroll, the premium is handled between employee and employer according to the applicable PhilHealth rules. The calculator shows the configured employee and employer shares and the contribution basis used.
Boundary tests matter. Payroll should explicitly test salaries below the floor, inside the range and above the ceiling, and it should know when the employee is not contribution-applicable for the period.
| Area | What to check |
|---|---|
| SSS | Current schedule effective January 2025 uses 15% of MSC: 10% employer and 5% employee |
| SSS MSC | Current minimum MSC ₱5,000 and maximum MSC ₱35,000 |
| PhilHealth | Current published schedule is 5% with ₱10,000 floor and ₱100,000 ceiling |
| Pag-IBIG | Employee/employer membership savings use separate official rules and salary basis |
| Control | Never apply a minimum contribution basis before checking applicability/status |
How to verify the result before payroll approval
First, verify the employee’s status and the salary or compensation basis. Second, verify the statutory ruleset effective for the payroll period. Third, compare the calculated amount to the prior payroll and investigate material differences. Finally, preserve the approved payroll version so a future reviewer can reproduce the exact calculation even after rules change.
If you are processing multiple employees, the best workflow is not to repeat a public calculator dozens of times. Import the payroll file, apply the rules in bulk, flag anomalies and review only the exceptions. That is the conversion path behind these free tools.
Calculating for a team?
Upload CSV or Excel, calculate the full payroll, compare with your existing payroll and investigate employee-level variances.
Explore the productFrequently asked questions
Can I use this calculator for live payroll?
Use it as an estimate and verification tool. Live payroll needs employee status, period-specific rules, YTD tax, company policies, attendance events and professional validation of special cases.
How often are the rules checked?
The current site ruleset is marked with a verification date. Before production use, the system should monitor official SSS, PhilHealth, Pag-IBIG, BIR, DOLE and NWPC sources and deploy changes only after regression testing.
Why does the calculator show a breakdown?
A payroll number should be explainable. Showing the salary basis, statutory component and tax path makes it easier to identify a wrong input or stale rule than a single black-box result.
Can employers calculate an entire payroll from Excel?
Yes. The Payroll Software Philippines workflow is designed to accept CSV/XLSX inputs, map employee fields, calculate the payroll, compare it with the existing payroll and route differences for review.
Where can I read the official rules?
Each calculator links to the relevant official government sources below. If a calculator and an official issuance conflict, use the official issuance and report the discrepancy so the ruleset can be corrected.
Last reviewed for this guide: 2026-08-10. Rules can change; verify the latest issuance before relying on a calculation for live payroll.