EOR vs your own Philippine company: cost calculator
Enter your headcount and EOR quote to see when setting up a Philippine entity costs less than an Employer of Record, and how long the setup cost takes to pay back.
Enter your EOR fee per employee to see how the two options compare.
Estimate only. Both options carry the same 2026 SSS, PhilHealth, Pag-IBIG and 13th-month costs per employee. Paid-in capital and government fees are excluded from the entity figures.
Get a fixed quote for your entityWhat an Employer of Record is
An Employer of Record (EOR) is a local company that becomes the legal employer of your Philippine staff. It runs payroll, remits SSS, PhilHealth and Pag-IBIG contributions, and withholds tax, while you direct the work day to day. You pay the EOR a monthly fee per employee on top of the employment cost.
What the calculator assumes
- Statutory employer costs are the same either way: gross salary, employer SSS, PhilHealth and Pag-IBIG shares, and accrued 13th-month pay.
- An EOR adds its per-employee monthly fee, which you enter from your own quote.
- An entity adds a fixed monthly compliance retainer and a one-time setup cost.
- Break-even is the setup cost divided by the monthly saving. It only applies when the entity is cheaper each month.
- Paid-in capital, government registration fees and LGU permits are excluded from the entity figures. Enter the setup cost you expect to pay, including those if you want them counted.
For the trade-offs beyond cost, read EOR vs setting up a Philippine entity and Employer of record in the Philippines. For the setup side, see incorporation cost and timeline and our published fee ranges.
Official sources
Primary references this guide is checked against.