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How to compute my Minimum Take Home Pay?

 

Step by step procedure:

  1. Get the 75% of the semi-monthly basic.
  2. Sum up all deductions (tax, statutory contribution, statutory loans, Intel loans, IMPC Loans)
  3. Get the difference of step1 and 2 to get the allowable amount for new loan’s deduction.

See sample computation.

  Intel Technology Phils. Inc. 
Pay Period: 4/16/2007 - 4/30/2007 
Earnings  Deductions 
     
Basic Salary 21,958.10 Statutory Contributions
    Employee SSS      500.00
    Employee Medicare      375.00
    Employee PAG-IBIG      100.00
  Income Tax 5,951.95
  Statutory Loans
  Pag-Ibig Loan 654.49
  Intel Loans
  Car Loan Interest (D21) 195.02
  Car Loan Principal (D21) 2,794.61
  ICCI Deductions
  Long Term Loan      662.00
  Liv Asst Loan  2,500.00
  Comp/Vehicle Loan  1,389.00
     
         
Step by step procedure:      
1. 75% MTHP: Get the 75% of the semi-monthly basic pay ONLY.(OT, allowances, Bonuses not included)
         
     21,958.10    
             0.75    
     16,468.58    
         
2. TOTAL DEDUCTION: Sum up all deductions (tax, statutory contribution, statutory loans, Intel loans, IMPC Loans)
         
   tax     5,269.94  (ref: Tax table 24% of semi-monthly basic
   statutory contribution        975.00  (ref: Statutory table  
   Pag Ibig Loan       654.49    
   Car Loan (Principal &Int)    2,989.63    
   Long Term Loan       662.00    
   Livelihood Assist Loan    2,500.00    
   Comp/Vehicle Loan    1,389.00    
     14,440.06    
         
3. Get the difference of step1 and 2 to get the allowable amount for new loan’s deduction.
         
   75% of semi-monthly basic   16,468.58    
   Total deduction   14,440.06    
   Allowable for new loan    2,028.51    

 

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