Net Income Guide
🇵🇭 Philippines Freelancers on Fiverr: Real Money After Tax
A ₱600,000 invoice from Fiverr is not ₱600,000 in your pocket. The platform takes its 20% fee first, then Philippines income tax takes its share of what the fee left behind. This page shows what a Philippines freelancer actually keeps — calculated with the same brackets and deductions as our Philippines tax calculator.
What Fiverr pays, then what Philippines tax takes
| Gross invoice | Fiverr fee | You receive | Philippines tax | Net you keep | Loss vs gross |
|---|---|---|---|---|---|
| ₱300,000 | ₱60,000 | ₱240,000 | ₱0 | ₱240,000 | 20.0% |
| ₱600,000 | ₱120,000 | ₱480,000 | ₱18,400 | ₱461,600 | 23.1% |
| ₱1,200,000 | ₱240,000 | ₱960,000 | ₱56,800 | ₱903,200 | 24.7% |
the 20% commission that hurts most on mid-size projects. The loss column is the whole story: it combines the platform cut with Philippines income tax, so a low tax rate can still hide inside an expensive platform fee.
The same invoice paid directly
The real question most Philippines freelancers ask is whether the platform is worth it. On a ₱600,000 project, here is every option:
| Channel | Fee | Net after tax |
|---|---|---|
| Upwork | ₱60,000 | ₱516,800 |
| Fiverr | ₱120,000 | ₱461,600 |
| Freelancer.com | ₱60,000 | ₱516,800 |
| Direct client | ₱0 | ₱572,000 |
Landing the same job directly would leave you ₱110,400 more — about 18 points of extra net income. That difference is the price of the leads, escrow, and protection Fiverr provides, and it is usually worth paying while you are still building reviews.
How Philippines tax treats platform income
Philippine freelancers get a real choice at tax time. The 8% flat tax applies to gross receipts, ignores expenses entirely — so the platform fee never reduces your tax under this option — while the graduated TRAIN Law rates let you subtract legitimate business costs, including platform commissions and SSS/PhilHealth/Pag-IBIG, from your taxable base. The ₱250,000 zero band makes both options free for the smallest annual earnings. Either way, the BIR cares about your gross receipts, and the income the platform reports usually matches what you declare, so keep the withdrawal records aligned with your invoices.
Can you deduct the Fiverr fee on your Philippines return? Under the 8% flat option the answer is no — the tax is on gross receipts, so the fee has no effect. Under graduated rates the fee is a deductible business cost, which is one reason higher earners often switch off the flat option.
Withdrawal and exchange-rate costs
Fiverr deducts its 20% commission the moment an order completes, and withdrawing the balance afterwards adds an extra fee: $3 ACH, $30 wire, or the PayPal/Payoneer percentage on top.
Currency conversion is the quiet third cost. PayPal charges roughly 2.9% plus a fixed fee on international transfers, Payoneer takes about 2%, a US wire transfer costs around $30, and Wise-style services often land under 1% near the mid-market rate. On a ₱600,000 payout, that can add another few percent on top of the table above — so the routing decision matters almost as much as the platform choice.
Frequently asked questions
What do I actually keep from a ₱600,000 Fiverr invoice?
On a ₱600,000 invoice, Fiverr takes ₱120,000 before you see a cent, and your Philippines income tax removes ₱18,400 more — you keep ₱461,600, about 23.1% of the headline amount. Before waving goodbye to any more of it, the withdrawal and conversion fees above still apply.
Is the Fiverr fee worth it compared with direct clients?
On this kind of project the platform costs you about 23% of gross once tax is included, while a direct client would keep you closer to 5% net. The platform pays for itself when it brings clients you could not source alone — which is exactly what happens in your first year of reviews.
Is overseas client income from Fiverr taxable in Philippines?
Yes. Income earned from clients abroad is taxable in the Philippines once you are a resident alien; non-residents pay a flat 25% on Philippine-source income.
Run the numbers yourself
Explore every country and platform in the Net Income Explorer, compute your exact case with the Philippines tax calculator, price the platform side with the Fiverr fee calculator, and bill cleanly with the invoice generator.