PhilHealth Contribution Calculator (2026 Rates)
I did the math on a scrap of paper the first time I switched from employed to voluntary member, got it wrong by almost ₱400, and paid the wrong amount for two months before I noticed. A proper PhilHealth contribution calculator would’ve caught that in about four seconds. So here’s one — plus everything about the math itself that I had to learn the hard way.
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Quick Answer
The 2026 PhilHealth contribution rate is 5% of your monthly basic salary, with a ₱500 minimum (for income at or below ₱10,000) and a ₱5,000 maximum (for income at or above ₱100,000). Employed members split this 50/50 with their employer; self-employed, voluntary members, and OFWs pay the full amount themselves. Use the calculator below to get your exact figure instead of doing this math by hand.
The Calculator
How the Calculation Actually Works
| Monthly income | Total contribution | Formula |
|---|---|---|
| ₱10,000 or below | ₱500 (fixed) | Floor amount, doesn’t drop lower |
| ₱10,000.01 – ₱99,999.99 | 5% of income | Income × 0.05 |
| ₱100,000 or above | ₱5,000 (fixed) | Ceiling amount, doesn’t rise higher |
For a full breakdown of how this rate came to be and how it fits into the wider PhilHealth Contribution structure, that guide covers the policy side in more depth than fits here.
Employed vs. Self-Employed vs. OFW
- Employed: the total is split exactly 50/50 between you and your employer, deducted automatically from your payslip.
- Self-employed or voluntary: you pay the full amount yourself, based on your declared monthly income.
- OFW: same full-amount rule as voluntary members, based on declared income, though some OFWs pay annually in a lump sum instead of monthly.
Not sure which category actually applies to you? Our membership category guide breaks down the full list, since this affects more than just the math — it also determines your registration requirements.
Mistakes That Throw the Number Off
- Using gross pay instead of basic salary. Overtime, allowances, and bonuses generally aren’t part of the base used for this calculation.
- Forgetting the floor and ceiling. If your income is at either extreme, the percentage math doesn’t apply — it’s a fixed ₱500 or ₱5,000 instead.
- Trusting an old bookmarked calculator. The rate has climbed every year since 2019 under the Universal Health Care Act’s phase-in schedule — a tool that hasn’t been updated since 2021 will confidently give you the wrong number.
- Guessing your declared income as a voluntary member. This number isn’t automatic — you set it when you register or update your PMRF, and it directly drives what you owe.
What If This Doesn’t Match My Payslip?
A small mismatch is usually explainable — a mid-month salary adjustment, a rounding difference, or your HR department using last year’s bracket by mistake during a transition period. A large mismatch is worth raising directly with HR or, if you’re a voluntary member, checking your declared income on file through the Member Portal.
If you’ve lost track of your record entirely, our lost PhilHealth number guide covers recovery, and if you need to visit a branch to sort any of this out, booking a PhilHealth online appointment first can save real time. Brand new to PhilHealth entirely? Start with online registration and grab your PhilHealth ID once you’re set up.
Frequently Asked Questions
What is the current PhilHealth contribution rate?
5% of monthly basic salary in 2026, with a ₱500 minimum and ₱5,000 maximum, split 50/50 for employed members and paid in full by self-employed, voluntary, and OFW members.
How accurate is this PhilHealth contribution calculator?
It uses the confirmed current 2026 rate structure, not an outdated phased-in rate from previous years. For your exact official record, always cross-check against your payslip or Member Portal.
Do I use my gross salary or basic salary in this calculator?
Basic salary — overtime, bonuses, and most allowances generally aren’t included in the base used to calculate your contribution.
Is the contribution the same for self-employed and voluntary members?
Yes, the calculation method is identical — both pay the full 5% themselves, based on declared monthly income, since there’s no employer to split the cost with.
What happens if my declared income changes?
Your contribution changes with it. Voluntary and self-employed members should update their declared income through a PMRF update if their situation changes significantly.
Got your number — now what?
Confirm it matches your actual payments through the Member Portal, and if anything’s off, our Contribution guide covers the policy details this calculator doesn’t.