Highest Take-Home
Philippines
2025
27.3%
effective tax rate
Take-home
$72,730
$6,061/mo
Income 26% Social 1%
On a $100,000 salary, you'd take home $72,730 in Philippines versus $71,979 in Australia.
Philippines
$72,730
+$751/year
Australia
$71,979
That's $63 more per month in Philippines
Side-by-side breakdown
Australia
2025-26
28.0%
effective tax rate
Take-home
$71,979
$5,998/mo
Income 25% Social 2% Other 2%
Tax rate by income level
Effective Tax Rate by Income
Shows effective tax rate (total tax / gross income) at different income levels in USD
Understanding the difference
Life & Taxes
Chasing Sun and Opportunity
From the sprawling beaches of the Gold Coast to the bustling energy of Manila, many Filipinos head to Australia for high-paying careers, while Australians are increasingly drawn to the Philippines for its tropical lifestyle and digital nomad potential. It is a trade-off between the 'Lucky Country's' structured stability and the vibrant, festive community spirit found in the Pearl of the Orient.
Vibe Check: Living Large
Life in Australia revolves around the outdoors and a famous work-life balance, though you'll pay a premium for the privilege of that morning flat white. In the Philippines, your money goes significantly further, allowing for a lifestyle filled with travel across 7,000 islands and frequent social gatherings, even if the city traffic requires a bit more patience.
The Taxman’s Slice
Australia uses a five-bracket system with a top rate that takes a significant bite for high earners, though the generous tax-free threshold protects your first thousands. The Philippines offers more brackets and a lower top ceiling, which can feel friendlier for middle-to-high income earners looking to keep more of their take-home pay.
Safety Nets and Perks
In Australia, your taxes fund a robust public health system through the Medicare Levy, providing peace of mind for families. The Philippines relies on a mix of SSS and PhilHealth contributions, which offer essential coverage, but many residents choose to supplement this with private plans to navigate the archipelago’s varied healthcare landscape.
The Bottom Line
If you crave world-class public infrastructure and don't mind a higher tax bill to get it, Australia is your winner. However, for those seeking a lower cost of living and a more flexible tax environment that rewards higher income growth, the Philippines offers a compelling case for the savvy expat.
Detailed tax breakdown
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