Take-Home Pay under the 2018 Philippine Tax Reform

Check out how much you might save, gain with our 2018 tax savings table using the current tax system and Pinoy Tax Reform (2018) tax brackets.

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Wondering how much take-home pay difference that 2018 Philippine Tax Reform would make? The 2017 and 2018 tax values have now been made available to show you 2018 tax savings from last year’s tax deductions. Use the take-home salary table below to work out just how much more you will have each month.

The tax bill, also know as the Tax Reform Acceleration and Inclusion (TRAIN), has been signed into law by President Rodrigo Duterte on December 19, and with the implementation of the tax reform in January 2018 and the computation of new tax rates, it’s possible to find out how much you’ll save next year because of it.

TRAIN aimed to redesign the current tax system to be simpler, fairer, and more efficient for all, while also raising the resources needed to invest in our infrastructure and our people. The Department of Finance believes that it will lessen the overall tax burden of the poor and the middle class.

According to Department of Finance, TRAIN will lower personal income tax (PIT) for all taxpayers except the richest. Under the tax system, those with taxable income below P250,000 will be exempt from paying PIT, while the rest of taxpayers, except the richest, will see lower tax rates ranging from 15% to 25% by 2020. To maintain progressivity, the top individual tax payers—those whose annual taxable income exceeds P5 million—will face a higher tax rate, from the current 32% to 35%.

The goal of the first package of the Comprehensive Tax Reform Program (CTRP) or TRAIN is to create a simpler, fair, and more efficient system, as per the constitution, where the rich will have a bigger contribution and the poor will benefit more from the government’s programs and services.

The tax reform has two tax brackets with the implementation in 2018 to 2020 of the first tax table while the second in 2021 onwards.

Persona Income Tax 1 for 2018-2020

Persona Income Tax 1 for 2021 onwards

Use our Take-Home Pay table under the 2018 Pinoy Tax Reform to estimate actual paycheck bring home after taxes and deductions from salary. Please note that not all salary brackets are available in this table and it is mainly intended for educational purposes. (If you want to use other salary bracket NOT in the table, you may like us on Facebook and post a message to request a take-home pay computation). The take-home pay results are based on both 2017 and TRAIN (2018) tax brackets.

Take-Home Pay under 2018 Philippine Tax Reform
Monthly SalaryTax StatusMonthly Tax in 2017Monthly Tax in 2018Take-Home Pay in 2017Take-Home Pay in 2018Monthly Tax Savings in 2018Annual Tax Savings in 2018
15,000 Zero 2,500.21 - 11,667.29 14,167.50 2,500.21 30,002.52
S/ME 1,541.83 - 12,625.67 14,167.50 1,541.83 18,501.96
S1/ME1 1,125.17 - 13,042.33 14,167.50 1,125.17 13,502.04
S2/ME2708.50- 13,459.00 14,167.50 708.50 8,502.00
S3/ME3395.96- 13,771.54 14,167.50 395.96 4,751.52
S4/ME4125.08- 14,042.42 14,167.50 125.08 1,500.96
16,000 Zero 2,738.01 - 12,380.69 15,118.70 2,738.01 32,856.12
S/ME 1,732.07 - 13,386.63 15,118.70 1,732.07 20,784.84
S1/ME1 1,315.41 - 13,803.29 15,118.70 1,315.41 15,784.92
S2/ME2898.74- 14,219.96 15,118.70 898.74 10,784.88
S3/ME3538.64- 14,580.06 15,118.70 538.64 6,463.68
S4/ME4226.14- 14,892.56 15,118.70 226.14 2,713.68
17,000 Zero 2,984.88 - 13,121.32 16,106.20 2,984.88 35,818.56
S/ME 1,943.22 - 14,162.98 16,106.20 1,943.22 23,318.64
S1/ME1 1,512.91 - 14,593.29 16,106.20 1,512.91 18,154.92
S2/ME2 1,096.24 - 15,009.96 16,106.20 1,096.24 13,154.88
S3/ME3686.76- 15,419.44 16,106.20 686.76 8,241.12
S4/ME4374.26- 15,731.94 16,106.20 374.26 4,491.12
18,000 Zero 3,231.76 - 13,861.94 17,093.70 3,231.76 38,781.12
S/ME 2,190.09 - 14,903.61 17,093.70 2,190.09 26,281.08
S1/ME1 1,710.41 - 15,383.29 17,093.70 1,710.41 20,524.92
S2/ME2 1,293.74 - 15,799.96 17,093.70 1,293.74 15,524.88
S3/ME3877.07- 16,216.63 17,093.70 877.07 10,524.84
S4/ME4522.39- 16,571.31 17,093.70 522.39 6,268.68
19,000 Zero 3,478.63 - 14,602.57 18,081.20 3,478.63 41,743.56
S/ME 2,436.97 - 15,644.23 18,081.20 2,436.97 29,243.64
S1/ME1 1,916.13 - 16,165.07 18,081.20 1,916.13 22,993.56
S2/ME2 1,491.24 - 16,589.96 18,081.20 1,491.24 17,894.88
S3/ME3 1,074.57 - 17,006.63 18,081.20 1,074.57 12,894.84
S4/ME4670.51- 17,410.69 18,081.20 670.51 8,046.12
20,000 Zero 3,725.51 - 15,343.19 19,068.70 3,725.51 44,706.12
S/ME 2,683.84 - 16,384.86 19,068.70 2,683.84 32,206.08
S1/ME1 2,163.01 - 16,905.69 19,068.70 2,163.01 25,956.12
S2/ME2 1,688.74 - 17,379.96 19,068.70 1,688.74 20,264.88
S3/ME3 1,272.07 - 17,796.63 19,068.70 1,272.07 15,264.84
S4/ME4855.41- 18,213.29 19,068.70 855.41 10,264.92
21,000 Zero 3,972.38 - 16,083.82 20,056.20 3,972.38 47,668.56
S/ME 2,930.72 - 17,125.48 20,056.20 2,930.72 35,168.64
S1/ME1 2,409.88 - 17,646.32 20,056.20 2,409.88 28,918.56
S2/ME2 1,889.05 - 18,167.15 20,056.20 1,889.05 22,668.60
S3/ME3 1,469.57 - 18,586.63 20,056.20 1,469.57 17,634.84
S4/ME4 1,052.96 - 19,003.29 20,056.20 1,052.91 12,634.92
22,000 Zero 4,229.78 42.07 16,813.92 21,001.63 4,187.71 50,252.52
S/ME 3,177.59 42.07 17,866.11 21,001.63 3,135.52 37,626.24
S1/ME1 2,656.76 42.07 18,386.94 21,001.63 2,614.69 31,376.28
S2/ME2 2,135.92 42.07 18,907.78 21,001.63 2,093.85 25,126.20
S3/ME3 1,667.07 42.07 19,373.63 21,001.63 1,628.00 19,536.00
S4/ME4 1,250.41 42.07 19,793.29 21,001.63 1,208.34 14,500.08
23,000 Zero 4,526.03 239.57 17,505.17 21,791.63 4,286.46 51,437.52
S/ME 3,424.47 239.57 18,606.73 21,791.63 3,184.90 38,218.80
S1/ME1 2,903.63 239.57 19,127.57 21,791.63 2,664.06 31,968.72
S2/ME2 2,382.80 239.57 19,648.40 21,791.63 2,143.23 25,718.76
S3/ME3 1,864.57 239.57 20,166.63 21,791.63 1,625.00 19,500.00
S4/ME4 1,447.91 239.57 20,583.29 21,791.63 1,208.34 14,500.08
24,000 Zero 4,822.28 437.07 18,196.42 22,581.63 4,385.21 52,622.52
S/ME 3,671.34 437.07 19,347.36 22,581.63 3,234.27 38,811.24
S1/ME1 3,150.51 437.07 19,868.19 22,581.63 2,713.44 32,561.28
S2/ME2 2,629.68 437.07 20,389.03 22,581.63 2,192.60 26,311.20
S3/ME3 2,108.84 437.07 20,909.86 22,581.63 1,671.77 20,061.24
S4/ME4 1,645.41 437.07 21,373.29 22,581.63 1,208.34 14,500.08
25,000 Zero 5,118.53 634.57 18,887.67 23,371.63 4,483.96 53,807.52
S/ME 3,918.22 634.57 20,087.98 23,371.63 3,283.65 39,403.80
S1/ME1 3,397.38 634.57 20,608.82 23,371.63 2,762.81 33,153.72
S2/ME2 2,876.55 634.57 21,129.65 23,371.63 2,241.98 26,903.76
S3/ME3 2,355.72 634.57 21,650.48 23,371.63 1,721.15 20,653.80
S4/ME4 1,842.91 634.57 22,163.29 23,371.63 1,208.34 14,500.08
30,000 Zero 6,599.78 1,622.07 22,343.92 27,321.63 4,977.71 59,732.52
S/ME 5,349.78 1,622.07 23,593.92 27,321.63 3,727.71 44,732.52
S1/ME1 4,724.78 1,622.07 24,218.92 27,321.63 3,102.71 37,232.52
S2/ME2 4,110.93 1,622.07 24,832.78 27,321.63 2,488.85 29,866.20
S3/ME3 3,590.09 1,622.07 25,353.61 27,321.63 1,968.02 23,616.24
S4/ME4 3,069.26 1,622.07 25,874.44 27,321.63 1,447.19 17,366.28
35,000 Zero 8,212.28 2,746.34 26,106.42 31,572.36 5,465.94 65,591.28
S/ME 6,962.28 2,746.34 27,356.42 31,572.36 4,215.94 50,591.28
S1/ME1 6,337.28 2,746.34 27,981.42 31,572.36 3,590.94 43,091.28
S2/ME2 5,712.28 2,746.34 28,606.42 31,572.36 2,965.94 35,591.28
S3/ME3 5,087.28 2,746.34 29,231.42 31,572.36 2,340.94 28,091.28
S4/ME4 4,462.28 2,746.34 29,856.42 31,572.36 1,715.94 20,591.28
40,000 Zero 9,581.03 3,886.97 29,300.17 34,994.23 5,694.06 68,328.72
S/ME 8,331.03 3,886.97 30,550.17 34,994.23 4,444.06 53,328.72
S1/ME1 7,706.03 3,886.97 31,175.17 34,994.23 3,819.06 45,828.72
S2/ME2 7,081.03 3,886.97 31,800.17 34,994.23 3,194.06 38,328.72
S3/ME3 6,456.03 3,886.97 32,425.17 34,994.23 2,569.06 30,828.72
S4/ME4 5,831.03 3,886.97 33,050.17 34,994.23 1,944.06 23,328.72
45,000 Zero 11,125.32 5,136.91 32,755.88 38,744.23 5,988.35 71,860.20
S/ME 9,831.03 5,136.91 34,050.17 38,744.23 4,694.06 56,328.72
S1/ME1 9,206.03 5,136.91 34,675.17 38,744.23 4,069.06 48,828.72
S2/ME2 8,581.03 5,136.91 35,300.17 38,744.23 3,444.06 41,328.72
S3/ME3 7,956.03 5,136.91 35,925.17 38,744.23 2,819.06 33,828.72
S4/ME4 7,331.03 5,136.91 36,550.17 38,744.23 2,194.06 26,328.72
50,000 Zero 12,752.32 6,386.97 36,155.88 42,494.23 6,338.35 76,060.20
S/ME 11,391.98 6,386.97 37,489.22 42,494.23 5,005.01 60,060.12
S1/ME1 10,725.32 6,386.97 38,155.88 42,494.23 4,338.35 52,060.20
S2/ME2 10,081.03 6,386.97 38,800.17 42,494.23 3,694.06 44,328.72
S3/ME3 9,456.03 6,386.97 39,425.17 42,494.23 3,069.06 36,828.72
S4/ME4 8,831.03 6,386.97 40,050.17 42,494.23 2,444.06 29,328.72
55,000 Zero 14,325.32 7,636.97 39,555.08 46,244.23 6,689.15 80,269.80
S/ME 12,991.98 7,636.97 40,889.22 46,244.23 5,355.01 64,260.12
S1/ME1 12,325.32 7,636.97 41,555.88 46,244.23 4,688.35 56,260.20
S2/ME2 11,658.65 7,636.97 42,222.55 46,244.23 4,021.68 48,260.16
S3/ME3 10,991.98 7,636.97 42,889.22 46,244.23 3,355.01 40,260.12
S4/ME4 10,331.03 7,636.97 43,550.17 46,244.23 2,694.06 32,328.72
60,000 Zero 15,925.32 8,886.97 42,955.88 49,994.23 7,038.35 84,460.20
S/ME 14,591.98 8,886.97 44,289.22 49,994.23 5,705.01 68,460.12
S1/ME1 13,925.32 8,886.97 44,955.88 49,994.23 5,038.35 60,460.20
S2/ME2 13,258.65 8,886.97 45,622.55 49,994.23 4,371.68 52,460.16
S3/ME3 12,591.98 8,886.97 46,289.22 49,994.23 3,705.01 44,460.12
S4/ME4 11,925.32 8,886.97 46,955.88 49,994.23 3,038.35 36,460.20
65,000 Zero 17,525.32 10,136.97 46,355.88 53,744.23 7,388.35 88,660.20
S/ME 16,191.98 10,136.97 47,689.22 53,744.23 6,055.01 72,660.12
S1/ME1 15,525.32 10,136.97 48,355.88 53,744.23 5,388.35 64,660.20
S2/ME2 14,858.65 10,136.97 49,022.55 53,744.23 4,721.68 56,660.16
S3/ME3 14,191.98 10,136.97 49,689.22 53,744.23 4,055.01 48,660.12
S4/ME4 13,525.32 10,136.97 50,355.88 53,744.23 3,388.35 40,660.20
70,000 Zero 19,125.32 11,497.69 49,755.88 57,383.51 7,627.63 91,531.56
S/ME 17,791.98 11,497.69 51,089.22 57,383.51 6,294.29 75,531.48
S1/ME1 17,125.32 11,497.69 51,755.88 57,383.51 5,627.63 67,531.56
S2/ME2 16,458.65 11,497.69 52,422.55 57,383.51 4,960.96 59,531.52
S3/ME3 15,791.98 11,497.69 53,089.22 57,383.51 4,294.29 51,531.48
S4/ME4 15,125.32 11,497.69 53,755.88 57,383.51 3,627.63 43,531.56
75,000 Zero 20,725.32 12,997.69 53,155.88 60,883.51 7,727.63 92,731.56
S/ME 19,391.98 12,997.69 54,489.22 60,883.51 6,394.29 76,731.48
S1/ME1 18,725.32 12,997.69 55,155.88 60,883.51 5,727.63 68,731.56
S2/ME2 18,058.65 12,997.69 55,822.55 60,883.51 5,060.96 60,731.52
S3/ME3 17,391.98 12,997.69 56,489.22 60,883.51 4,394.29 52,731.48
S4/ME4 16,725.32 12,997.69 57,155.88 60,883.51 3,727.63 44,731.56
80,000 Zero 22,325.32 14,497.69 56,555.88 64,383.51 7,827.63 93,931.56
S/ME 20,991.98 14,497.69 57,889.22 64,383.51 6,494.29 77,931.48
S1/ME1 20,325.33 14,497.69 58,555.88 64,383.51 5,827.63 69,931.56
S2/ME2 20,777.45 14,497.69 59,222.55 64,383.51 5,160.96 61,931.52
S3/ME3 18,991.98 14,497.69 59,889.22 64,383.51 4,494.29 53,931.48
S4/ME4 18,325.32 14,497.69 60,555.88 64,383.51 3,827.63 45,931.56
85,000 Zero 24,005.32 16,072.69 59,875.88 67,808.51 7,932.63 95,191.56
S/ME 22,671.98 16,072.69 61,209.22 67,808.51 6,599.29 79,191.48
S1/ME1 22,005.32 16,072.69 61,875.88 67,808.51 5,932.63 71,191.56
S2/ME2 21,338.65 16,072.69 62,542.55 67,808.51 5,265.96 63,191.52
S3/ME3 20,671.98 16,072.69 63,209.22 67,808.51 4,599.29 55,191.48
S4/ME4 20,005.32 16,072.69 63,875.88 67,808.51 3,932.63 47,191.56
90,000 Zero 25,738.65 17,697.69 63,142.55 71,183.51 8,040.96 96,491.52
S/ME 24,405.32 17,697.69 64,475.88 71,183.51 6,707.63 80,491.56
S1/ME1 23,738.55 17,697.69 65,142.55 71,183.51 6,040.96 72,491.52
S2/ME2 23,071.98 17,697.69 65,809.22 71,183.51 5,374.29 64,491.48
S3/ME3 22,405.32 17,697.69 66,475.88 71,183.51 4,707.63 56,491.56
S4/ME4 21,738.65 17,697.69 67,142.55 71,183.51 4,040.96 48,491.52
95,000 Zero 27,471.98 19,322.69 66,409.22 74,558.51 8,149.29 97,791.48
S/ME 26,138.65 19,322.69 67,742.55 74,558.51 6,815.96 81,791.52
S1/ME1 25,471.98 19,322.69 68,409.22 74,558.51 6,149.29 73,791.52
S2/ME2 24,805.32 19,322.69 69,075.88 74,558.51 5,482.63 65,791.52
S3/ME3 24,138.65 19,322.69 69,742.55 74,558.51 4,815.96 57,791.52
S4/ME4 23,471.98 19,322.69 70,409.22 74,558.51 4,149.29 49,791.52
100,000 Zero 29,205.32 20,947.69 69,675.88 77,933.51 8,257.63 99,091.56
S/ME 27,871.99 20,947.69 71,009.21 77,933.51 6,924.30 83,091.60
S1/ME1 27,205.32 20,947.69 71,675.88 77,933.51 6,257.63 75,091.60
S2/ME2 26,538.66 20,947.69 72,342.54 77,933.51 5,590.97 67,091.60
S3/ME3 25,871.99 20,947.69 73,009.21 77,933.51 4,924.30 59,091.60
S4/ME4 25,205.32 20,947.69 73,675.88 77,933.51 4,257.63 51,091.60
105,000 Zero 30,938.65 22,572.69 72,942.55 81,308.51 8,365.96 100,391.52
S/ME 29,605.32 22,572.69 74,275.88 81,308.51 7,032.63 84,391.56
S1/ME1 28,938.65 22,572.69 74,942.55 81,308.51 6,365.96 76,391.56
S2/ME2 28,271.99 22,572.69 75,609.21 81,308.51 5,699.30 68,391.56
S3/ME3 27,605.32 22,572.69 76,275.88 81,308.51 5,032.63 60,391.56
S4/ME4 26,938.65 22,572.69 76,942.55 81,308.51 4,365.96 52,391.56
110,000 Zero 32,671.98 24,197.69 76,209.22 84,683.51 8,474.29 101,691.48
S/ME 31,338.65 24,197.69 77,542.55 84,683.51 7,140.96 85,691.52
S1/ME1 30,671.98 24,197.69 78,209.22 84,683.51 6,474.29 77,691.52
S2/ME2 30,005.32 24,197.69 78,875.88 84,683.51 5,807.63 69,691.52
S3/ME3 29,338.65 24,197.69 79,542.55 84,683.51 5,140.96 61,691.52
S4/ME4 28,671.98 24,197.69 80,209.22 84,683.51 4,474.29 53,691.52
115,000 Zero 34,405.32 25,822.69 79,475.88 88,058.51 8,582.63 102,991.56
S/ME 33,071.99 25,822.69 80,809.21 88,058.51 7,249.30 86,991.60
S1/ME1 32,405.32 25,822.69 81,475.88 88,058.51 6,582.63 78,991.60
S2/ME2 31,738.66 25,822.69 82,142.54 88,058.51 5,915.97 70,991.60
S3/ME3 31,071.99 25,822.69 82,809.21 88,058.51 5,249.30 62,991.60
S4/ME4 30,405.32 25,822.69 83,475.88 88,058.51 4,582.63 54,991.60
120,000 Zero 36,138.65 27,447.69 82,742.55 91,433.51 8,690.96 104,291.52
S/ME 34,805.32 27,447.69 84,075.88 91,433.51 7,357.63 88,291.56
S1/ME1 34,138.65 27,447.69 84,742.55 91,433.51 6,690.96 80,291.56
S2/ME2 33,471.99 27,447.69 85,409.21 91,433.51 6,024.30 72,291.56
S3/ME3 32,805.32 27,447.69 86,075.88 91,433.51 5,357.63 64,291.56
S4/ME4 32,138.65 27,447.69 86,742.55 91,433.51 4,690.96 56,291.56
125,000 Zero 37,871.98 29,072.69 86,009.22 94,808.51 8,799.29 105,591.48
S/ME 36,538.65 29,072.69 87,342.55 94,808.51 7,465.96 89,591.52
S1/ME1 35,871.98 29,072.69 88,009.22 94,808.51 6,799.29 81,591.52
S2/ME2 35,205.32 29,072.69 88,675.88 94,808.51 6,132.63 73,591.52
S3/ME3 34,538.65 29,072.69 89,342.55 94,808.51 5,465.96 65,591.52
S4/ME4 33,871.98 29,072.69 90,009.22 94,808.51 4,799.29 57,591.52
130,000 Zero 39,605.32 30,697.69 89,275.88 98,183.51 8,907.63 106,891.56
S/ME 38,271.99 30,697.69 90,609.21 98,183.51 7,574.30 90,891.60
S1/ME1 37,605.32 30,697.69 91,275.88 98,183.51 6,907.63 82,891.60
S2/ME2 36,938.66 30,697.69 91,942.54 98,183.51 6,240.97 74,891.60
S3/ME3 36,271.99 30,697.69 92,609.21 98,183.51 5,574.30 66,891.60
S4/ME4 35,605.32 30,697.69 93,275.88 98,183.51 4,907.63 58,891.60
135,000 Zero 41,338.65 32,322.69 92,542.55 101,558.51 9,015.96 108,191.52
S/ME 40,005.32 32,322.69 93,875.88 101,558.51 7,682.63 92,191.56
S1/ME1 39,338.65 32,322.69 94,542.55 101,558.51 7,015.96 84,191.56
S2/ME2 38,671.99 32,322.69 95,209.21 101,558.51 6,349.30 76,191.56
S3/ME3 38,005.32 32,322.69 95,875.88 101,558.51 5,682.63 68,191.56
S4/ME4 37,338.65 32,322.69 96,542.55 101,558.51 5,015.96 60,191.56
140,000 Zero 43,071.98 33,947.69 95,809.22 104,933.51 9,124.29 109,491.48
S/ME 41,738.65 33,947.69 97,142.55 104,933.51 7,790.96 93,491.52
S1/ME1 41,071.98 33,947.69 97,809.22 104,933.51 7,124.29 85,491.52
S2/ME2 40,405.32 33,947.69 98,475.88 104,933.51 6,457.63 77,491.52
S3/ME3 39,738.65 33,947.69 99,142.55 104,933.51 5,790.96 69,491.52
S4/ME4 39,071.98 33,947.69 99,809.22 104,933.51 5,124.29 61,491.52
145,000 Zero 44,805.32 35,572.69 99,075.88 108,308.51 9,232.63 110,791.56
S/ME 43,471.99 35,572.69 100,409.21 108,308.51 7,899.30 94,791.60
S1/ME1 42,805.32 35,572.69 101,075.88 108,308.51 7,232.63 86,791.60
S2/ME2 42,138.66 35,572.69 101,742.54 108,308.51 6,565.97 78,791.60
S3/ME3 41,471.99 35,572.69 102,409.21 108,308.51 5,899.30 70,791.60
S4/ME4 40,805.32 35,572.69 103,075.88 108,308.51 5,232.63 62,791.60
150,000 Zero 46,538.65 37,197.69 102,342.55 111,683.51 9,340.96 112,091.52
S/ME 45,205.32 37,197.69 103,675.88 111,683.51 8,007.63 96,091.56
S1/ME1 44,538.65 37,197.69 104,342.55 111,683.51 7,340.96 88,091.56
S2/ME2 43,871.99 37,197.69 105,009.21 111,683.51 6,674.30 80,091.56
S3/ME3 43,205.32 37,197.69 105,675.88 111,683.51 6,007.63 72,091.56
S4/ME4 42,538.65 37,197.69 106,342.55 111,683.51 5,340.96 64,091.56

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