Does this all-in cost equal employee take-home pay?

No. All-in cost is the employer-side monthly total: base salary plus employer statutory contributions, 13th-month accrual, and the EOR fee.

Why include 13th month pay as a monthly accrual?

13th month pay is a predictable annual statutory benefit. Budgeting it monthly as base salary divided by 12 avoids a year-end cost spike.

Why is SSS computed using MSC instead of base salary?

SSS uses Monthly Salary Credit (MSC) brackets. For accurate costing, use the MSC bracket that matches the employee’s salary range.

What is EC and why is it included?

Employees’ Compensation (EC) is an employer-paid component that is added on top of the SSS employer share and typically varies by MSC bracket.

What salary base should be used for PhilHealth computations?

PhilHealth is typically computed using Monthly Basic Salary rules with floor and ceiling limits. Confirm the base used by your provider for exact payroll calculations.

Is PhilHealth split between employer and employee?

In standard employed setups, PhilHealth premiums are shared between employer and employee. Use your provider’s payroll rules for the exact split.

Why does Pag-IBIG often cap at a fixed employer amount?

Pag-IBIG contributions are commonly computed using a Maximum Fund Salary cap, so the employer contribution typically stops increasing above that cap.

Does this calculator include night shift premiums, overtime, or holiday pay?

No. Those depend on schedule and policy. Add them as separate line items on top of the baseline all-in monthly total.

If someone joins mid-year, is 13th month pay prorated?

Yes. It is typically prorated based on total basic salary earned during the calendar year.

How do I compare EOR or outsourcing quotes fairly?

Ask for a line-item breakdown that explicitly shows statutory assumptions and caps, the 13th-month accrual line, and the EOR or service fee separated from optional add-ons.

Philippines Customer Support Cost Calculator (All-In): Salary + Statutory + 13th Month + EOR Fee

Audience & intent
For foreign companies budgeting Philippines customer support outsourcing and wanting a true all-in monthly cost (not just base salary).

Date published: January 6, 2026
Date updated: January 6, 2026
Author: Martin English, CEO & Founding Partner

TL;DR

A compliant “all-in” monthly cost for a PH customer support hire via EOR is:

Base salary + employer statutory + 13th-month accrual + EOR fee

If a quote looks unusually cheap, it usually means one of those lines is missing, capped incorrectly, or bundled into a vague “admin” line.

What this calculator includes

Included:

Monthly base salary
SSS (employer share) + Employees’ Compensation (EC)
PhilHealth (employer share, based on Monthly Basic Salary rules)
Pag-IBIG (employer share, with Maximum Fund Salary cap)
13th month accrual (monthly set-aside)
EOR monthly fee

Common add-ons (model separately when relevant): night differential, overtime, holiday pay, allowances, HMO, equipment, internet stipend, training/QA costs.

Quick view: Salary-only vs All-in vs Outsourced

Model	What you’re paying for	What your “monthly cost” usually includes
Salary-only planning	rough budgeting	base salary only (often misleading)
EOR all-in (this calculator)	compliant employment via EOR	salary + statutory + 13th month + EOR fee
Customer support outsourcing	outcomes + staffing + operations	either a bundled monthly fee or a per-agent rate that should still map back to all-in cost lines

Step 1: Inputs (copy/paste)

Input	Symbol	Example
Monthly base salary (PHP)	S	45,000
USD/PHP exchange rate	FX	56.00
EOR fee (USD/month)	F	190
SSS Monthly Salary Credit (MSC)	MSC	35,000
EC amount (PHP)	EC	30

Notes:

For SSS, MSC is bracket-based. For planning, teams often use a cap-based MSC where applicable, then finalize using the employee’s bracket.
EC is typically PHP 10 or PHP 30 depending on the bracket.

Step 2: Employer statutory formulas

SSS (employer side) + EC

SSS employer = 10% × MSC
EC = 10 or 30

PhilHealth (employer side)

For 2025, use Monthly Basic Salary (MBS) with floor/ceiling rules:

MBS_used = clamp(S, 10,000, 100,000)
Total premium = 5% × MBS_used
PhilHealth employer = 50% × total premium
(standard formal-economy employed setup)

Pag-IBIG (employer side)

MFS_used = min(S, 10,000)
Pag-IBIG employer = 2% × MFS_used
(cap typically PHP 200/month for salaries ≥ 10,000)

Step 3: 13th month accrual (monthly)

13th month accrual = S / 12

Step 4: All-in monthly cost

All-in monthly (PHP) =
S + SSS employer + EC + PhilHealth employer + Pag-IBIG employer + (S/12) + (F×FX)

All-in monthly (USD) = All-in (PHP) / FX

Worked example

Inputs:

S = 45,000
FX = 56.00
F = 190
MSC = 35,000
EC = 30

Compute:

SSS employer = 10% × 35,000 = 3,500
EC = 30
PhilHealth employer = 2.5% × 45,000 = 1,125
Pag-IBIG employer = 2% × 10,000 = 200
13th month accrual = 45,000 / 12 = 3,750
EOR fee (PHP) = 190 × 56 = 10,640

All-in monthly (PHP) = 45,000 + 3,500 + 30 + 1,125 + 200 + 3,750 + 10,640 = 64,245
All-in monthly (USD) = 64,245 / 56 = 1,147 (rounded)

Explore SOS: EOR or Customer Support Outsourcing in the Philippines

If you’re at the stage of building or replacing a PH support team, SOS can take this on in two ways:

Option A: EOR-first (dedicated customer support hires)
You manage the day-to-day support operations. SOS handles compliant employment, payroll, statutory remittances, contracts, and structured onboarding.

Option B: Customer support outsourcing (team + operations)
SOS can run the support function with you: staffing, shift coverage, SOP alignment, QA routines, and reporting cadence, while keeping the employment side compliant and clean.

One simple next step
Share your:

channels (chat/email/voice), timezone coverage, and target SLAs
salary band (or target all-in budget) and headcount
start date and whether you want EOR-only or fully managed outsourcing

We’ll reply with a one-page breakdown that maps to this calculator (salary + statutory + 13th-month accrual + fee), plus a clear view of what’s included operationally if you want the outsourcing route.

FAQs

Does this “all-in” cost equal take-home pay?
No. It’s employer-side total cost. Employee take-home depends on deductions and personal factors.
Why include 13th month as a monthly line?
Because it’s a predictable annual statutory benefit that is easiest to budget as S/12.
Why is SSS based on MSC instead of base salary?
SSS uses bracketed Monthly Salary Credits, not a simple flat percent of salary across all ranges.
What is EC and why is it separate?
Employees’ Compensation is an employer-paid component that is typically a small fixed amount by bracket.
What salary base should be used for PhilHealth?
PhilHealth uses Monthly Basic Salary (MBS) and excludes items like overtime, allowances, and 13th month for MBS computation.
Is PhilHealth split between employer and employee?
For employed members in the formal economy, it is generally shared equally.
Why does Pag-IBIG cap out?
Pag-IBIG contributions use a Maximum Fund Salary, so beyond that cap the employer share usually doesn’t increase.
Does this include night shift differential or overtime?
Not by default. Add them as separate line items based on your shift rules and coverage model.
If someone joins mid-year, do you still budget 13th month?
Yes, but it’s prorated based on basic salary earned during the year.
How do I compare providers fairly?
Ask every provider to show: statutory assumptions (bases/caps), 13th-month accrual, and fee structure as separate lines.

Sources

SSS Circular on contribution schedule effective January 2025 (includes 15% total contribution rate, MSC min/max, and the employer/employee split shown in the table). Social Security System
PhilHealth Advisory for CY 2025: premium rate 5% with ₱10,000 income floor and ₱100,000 ceiling; reminder to use MBS and what MBS excludes. PhilHealth
PhilHealth clarification for formal economy: premium contributions are shared equally by employer and employee; definition of MBS and exclusions. PhilHealth
Pag-IBIG Fund Circular No. 460: employer counterpart 2% and Maximum Fund Salary increased to ₱10,000 effective February 2024 onwards. MPM Consulting Services Inc.
DOLE BWC Handbook: 13th month definition, minimum amount (1/12 of total basic salary), and computation guidance. Labor Law PH Library
Presidential Decree No. 851 (13th month pay law text reference). lawphil.net

Other Resources