Where the number comes from
Final pay is a few separate things added together. Here are the three that matter most.
Days you already worked in your last cutoff that have not been paid, plus the cash value of your unused leave credits.
daily rate × daysYour basic salary times the months worked this year, divided by 12, released with your final pay instead of in December.
salary × months ÷ 12Monthly tax is withheld as if you worked the full year. Leaving early usually means too much was withheld, and the excess comes back.
often the surpriseA worked example, end to end
piece by pieceSuppose you resign after five months on a ₱30,000 monthly salary. Your prorated 13th month is ₱30,000 times 5 divided by 12, or ₱12,500, released with your final pay rather than in December. If you leave five unused leave days behind, each is paid at your daily rate, which the calculator takes as your monthly salary over your working days per month. At 22 working days, that daily rate is about ₱1,364, so the leave adds roughly ₱6,818.
On top of those, any salary from your last cutoff that was not yet paid is owed to you as unpaid days, and on a semi-monthly scheme that often means one open half-month. The piece people forget is the tax refund. Withholding is charged all year as if the ₱30,000 would continue for twelve months, so leaving early usually means too much was taken, and the excess returns with your back pay. Outstanding company loans or cash advances are subtracted from the total.
Not everything carries deductions. The 13th month, leave conversion, and tax refund are never part of the contribution base, so no SSS, PhilHealth, or Pag-IBIG comes out of them. Under DOLE Labor Advisory No. 6, series of 2020, the money should be released within 30 days of separation, though clearance can push it longer in practice. To check the December version of that 13th month or your regular net, the 13th month pay calculator and the take-home pay calculator help.
Questions people ask
answered in plain wordsFinal pay, also called back pay or last pay, brings together everything still owed to you when you leave: any salary from your last cutoff that has not been paid, the cash value of your unused leave credits, your prorated 13th month pay for the year, and a year-end tax adjustment. Outstanding company loans or cash advances are deducted from the total.
Usually because of the tax refund. Your monthly withholding tax is charged as if you would earn the same salary for all twelve months of the year. When you leave mid-year, your actual annual income is lower, so the tax that was withheld is more than the tax you really owe. The difference is refunded with your final pay, on top of your prorated 13th month, which is why the amount can be a pleasant surprise.
Not from all of it. Your 13th month pay, unused leave conversion, and tax refund are never part of the contribution base, so no SSS, PhilHealth, or Pag-IBIG is taken from them. Only the salary portion can carry contributions, and only if your final month's share was not already deducted from your regular payslips. Contributions are fixed monthly amounts usually taken through normal payroll before you leave, so most people will not see them again on the final pay. The calculator has an option, under the panel, to deduct one month if yours was still outstanding.
It is your basic salary times the number of months you worked this year, divided by 12. If you worked five months before resigning, your 13th month is roughly five twelfths of one month's basic salary, released with your final pay instead of in December.
On a semi-monthly scheme you are paid twice a month, so each payout covers one cutoff, roughly half the month. Your last regular payslip covers only the cutoff that had already closed. The days you worked in the next, still-open cutoff are not in that payslip; they are owed to you separately in your final pay as unpaid salary. Pick your pay frequency in the calculator and enter those unpaid days, or tap Fill one full cutoff, so the estimate includes that half.
Each unused leave day is paid at your daily rate, which this calculator takes as your monthly salary divided by your working days per month. Company policy varies on which leave types are convertible, so check your handbook or with HR for the exact days that qualify.
Under DOLE Labor Advisory No. 6, series of 2020, final pay should be released within 30 days from the date of separation, unless a more favorable company policy, contract, or agreement applies. Some companies take longer in practice while clearance is completed, which is why a wait of a month or two is common.
It is a close estimate. The tax adjustment here is computed on your regular monthly salary, and the real payslip can differ slightly depending on how your employer handles leave conversion and other benefits during annualization. Treat it as a guide and confirm the final figure with your HR team.
No. Every calculation runs privately on your device. Nothing you type is stored, tracked, or sent to a server.
Where these numbers come from
straight from the sourceThe rates and rules on this page follow the official issuances below. When an agency updates a schedule, this is where to confirm the current figure against your own situation.