Every Philippine business that employs people has the same obligation: deduct and remit contributions to SSS, PhilHealth, Pag-IBIG, and BIR. Every cutoff, someone has to look up the right tables, apply the right brackets, and get the numbers right.

Most small business owners do this manually. They Google the SSS contribution table, cross-reference the employee's salary, compute the employee share and the employer share, and repeat for every person on the payroll. Then they do the same for PhilHealth, Pag-IBIG, and withholding tax.

Timekeep does all of this automatically. Here's how each one works.

SSS (Social Security System)

SSS contributions are based on the employee's monthly salary credit. The SSS publishes a contribution table that maps salary ranges to contribution amounts, split between the employee share and the employer share.

What Timekeep does:

Looks up the employee's monthly salary credit based on their compensation
Applies the current SSS contribution table
Computes the employee share and the employer share separately
Deducts the employee share from their pay
Tracks the employer share for remittance

When SSS updates their contribution table (which they do periodically), Timekeep updates accordingly. You don't have to download a new table or adjust formulas.

PhilHealth (Philippine Health Insurance Corporation)

PhilHealth uses a percentage-based premium rate applied to the employee's monthly basic salary, with a floor and a ceiling. The premium is split equally between the employee and the employer.

What Timekeep does:

Applies the current PhilHealth premium rate to the employee's basic salary
Caps the computation at the salary ceiling
Splits the premium between employee and employer
Deducts the employee share from their pay

PhilHealth has adjusted their premium rates several times over the past few years. Timekeep keeps the rate current so you don't have to track these changes yourself.

Pag-IBIG (Home Development Mutual Fund)

Pag-IBIG contributions work on a bracket system. Employees earning up to a certain threshold contribute one percentage, and those above contribute a different percentage. The employer matches with their own contribution rate.

What Timekeep does:

Determines the employee's bracket based on their monthly compensation
Applies the correct employee contribution rate
Applies the correct employer contribution rate
Deducts the employee share from their pay

Pag-IBIG contributions have a maximum cap, and Timekeep respects that ceiling automatically.

BIR Withholding Tax

Withholding tax is the most complex of the four. It uses the tax brackets defined by the TRAIN Law (Tax Reform for Acceleration and Inclusion Act), applied to the employee's taxable income after deducting SSS, PhilHealth, and Pag-IBIG contributions.

What Timekeep does:

Computes the employee's gross income for the period
Subtracts mandatory contributions (SSS, PhilHealth, Pag-IBIG) to get taxable income
Applies the correct BIR tax bracket based on the compensation level
Computes the withholding tax for the pay period
Deducts the tax from the employee's net pay

The order matters: government contributions are deducted before computing taxable income. Timekeep handles this sequence correctly every time.

Why this matters for small businesses

Getting these deductions wrong has real consequences. Underpaying SSS means your employee's benefits are affected. Wrong PhilHealth premiums can cause issues when someone files a claim. Incorrect BIR withholding creates problems at year-end tax filing.

For a business with 10 to 30 employees, doing this manually takes hours every cutoff. And the risk of error increases with every employee you add.

Timekeep removes the manual lookup and computation. You run payroll, review the numbers, and finalize. Every deduction is computed using current tables, every time.

Where to see the breakdown

When you run payroll in Timekeep, each employee's payslip shows a full breakdown:

Basic pay and any overtime, holiday, or night differential earnings
SSS employee share
PhilHealth employee share
Pag-IBIG employee share
BIR withholding tax
Any other deductions (loans, cash advances)
Net pay

Your staff can see their own breakdown through the employee portal. They log in with a PIN and check their payslip directly. No more screenshotting payslips for the group chat.

Keeping tables current

Government agencies update their contribution tables and rates periodically. When they do, business owners have to notice the change, find the new table, and update their calculations.

Timekeep tracks these updates and applies them automatically. When SSS publishes a new contribution table or PhilHealth adjusts the premium rate, the computation in Timekeep reflects the change. You don't have to do anything.

This is one of the core reasons business owners switch from spreadsheets. The spreadsheet might be accurate today, but nobody updates it when the government changes a table six months from now.

Try it

If you're computing SSS, PhilHealth, Pag-IBIG, and BIR deductions manually every cutoff, Timekeep handles all of it in one click. Try it free for 30 days at timekeep.ph. No credit card required.