From monthly salary to one hour
Four steps sit between your salary and what an hour is really worth. Here is each one.
Your monthly salary divided by the hours you work. This is the payslip figure, before anything is taken out.
salary ÷ hoursSSS, PhilHealth, and Pag-IBIG come out of your monthly pay first. Spread across your hours, they lower what each one is really worth.
SSS · PH · PIIncome tax under the TRAIN law, applied to what is left after contributions. The rate rises with income, so higher salaries lose a bit more per hour.
0 to 35%Net take-home pay divided by the same hours. This is what an hour of your time actually puts in your pocket.
net ÷ hoursWhat one hour truly holds
the real numberYour payslip shows a monthly salary, but the number that matters when you weigh your time is what one hour actually puts in your pocket. The gross hourly rate divides your salary by the hours you work. Take a ₱35,200 monthly salary over 22 working days of 8 hours, which is 176 hours in a month. That comes to ₱200 an hour on paper, before anything is taken out.
The real hourly rate starts from your take-home pay instead. SSS, PhilHealth, and Pag-IBIG come out of your monthly salary first, then withholding tax under the TRAIN law applies to what is left. Spread across the same 176 hours, these lower what each hour is really worth. The gap widens as your salary rises, since the tax rate climbs from zero up to 35 percent as income grows, so higher earners lose a little more per hour.
Seeing the real number helps when you are weighing a job offer or an extra shift. This calculator works from basic salary only, so the rate stays clean and comparable. Overtime and night hours pay more for those specific hours rather than raising the base rate. To fold in allowances and see your full monthly net after deductions, the take-home pay calculator carries these figures further, and the overtime pay calculator handles extra hours.
Questions people ask
answered in plain wordsYour real hourly rate is what one hour of your work is actually worth after deductions. It takes your monthly take-home pay, the amount left after SSS, PhilHealth, Pag-IBIG, and withholding tax, and divides it by the hours you work in a month. It is usually lower than the figure you get from dividing your gross salary, because it counts what reaches you rather than what you earn on paper.
First, multiply your working days per month by your paid hours per day to get your monthly hours. For a common schedule that is 22 days times 8 hours, or 176 hours. Divide your net take-home pay by that number and you have your real hourly rate. The calculator also shows your gross hourly rate for comparison.
Mandatory contributions and withholding tax come out before your salary reaches you, so each hour is worth a little less than the gross figure suggests. The gap widens as your salary rises, because the tax rate climbs with income. Seeing the real number is useful when you are weighing overtime, a side project, or a job offer.
Most full-time schedules in the Philippines are around 22 working days per month, which is the default here. If you work a compressed week, part time, or a different pattern, enter the days that match your own schedule so the rate reflects your real hours.
No. This calculator works from your basic monthly salary so the hourly rate stays clean and comparable. Overtime and night differential raise your pay for those specific hours, and non-taxable allowances add to your net without changing the rate. To include them, use the Take-Home Pay calculator.
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.
- SSS Contribution Schedule (effective January 2025)Social Security System
- Advisory 2025-0002: Premium Contribution for Direct ContributorsPhilippine Health Insurance Corporation
- Regular Pag-IBIG Membership SavingsPag-IBIG Fund (HDMF)
- Republic Act 10963 (TRAIN Law), income tax provisionsOfficial statute, via The LawPhil Project