Free tools
Free money calculators for Filipinos
Know your take-home pay, your contributions, your 13th month and where your sahod should go. Quick, accurate and made for Philippine rules.
- 100% free, no sign-up
- Updated for 2025 rates
- Runs in your browser
- Made for phones
Choose your calculator
Each one shows the math step by step, with real peso examples.
Income tax calculatorTRAIN law tax on your salary, monthly and yearly.Example₱30,000 a month → ₱1,007.50 tax · ₱26,542.50 take-homeOpen calculator 
SSS, PhilHealth & Pag-IBIG calculatorYour contributions and real take-home pay.Example₱30,000 a month → ₱2,450 a month in contributionsOpen calculator 
13th month pay calculatorHow much you'll get, and whether any of it is taxed.Example₱30,000 a month, whole year → ₱30,000, all tax-freeOpen calculator 
50/30/20 budget calculatorSplit your sahod into needs, wants and ipon.Example₱30,000 sahod → ₱15,000 needs · ₱9,000 wants · ₱6,000 iponOpen calculator
Which tool do I need?
- Got a job offer or a raise? See what actually lands in your account.Income tax calculator →
- Checking your payslip? See what you and your employer each pay.SSS, PhilHealth & Pag-IBIG calculator →
- December is coming? Know your 13th month before it arrives.13th month pay calculator →
- Sahod gone before the 15th? Start with a simple split.50/30/20 budget calculator →
Built on the rules, explained in plain words
Official schedules
The TRAIN law tax table, the SSS contribution schedule, PhilHealth's premium and Pag-IBIG's rate, updated for 2025.
The why, not just the answer
Every result shows how it was computed, with a worked example in pesos you can check against your payslip.
Private by default
Your salary never leaves your phone or computer. No account, no tracking of what you type.
Learn the basics, free
Questions about the calculators
Are these calculators really free?
Yes. Every tool is free with no sign-up and no limits. They're made by Iponista, a free budget app for Filipinos.
How accurate are they?
They follow the published government schedules for 2025: the TRAIN law income tax table, the SSS contribution schedule, PhilHealth's 5% premium and Pag-IBIG's 2% rate. Your payslip can differ a little if you have allowances, overtime or other adjustments.
Do you save what I type?
No. The math runs right in your browser. We don't store your salary or send it anywhere.
Can I use them on my phone?
Yes. They're built for phones first, and you can add Iponista to your home screen to open them like an app.
Which tool should I start with?
If you just got a job offer, start with the income tax calculator. Checking a payslip? Use the SSS, PhilHealth & Pag-IBIG calculator. Planning December? The 13th month pay calculator. Money running out before payday? The 50/30/20 budget.
Know your numbers. Now keep them.
Iponista turns these answers into a budget that lasts the whole month. Free, works offline, and your money data stays private.
Estimates for planning, not tax, legal or financial advice.