Salary: ₱38,150GSIS: 9% of 38,150 = ₱3,433.50Plus GSIS loan ₱4,000 → total GSIS-related: ₱7,433.50PhilHealth: about 3% → ₱1,144.50Pag-IBIG: about ₱100 (fixed)Tax (approx.): ₱3,000 (estimate only)Total deductions: ₱7,433.50 + ₱1,144.50 + ₱100 + ₱3,000 = ₱11,678Net pay: ₱38,150 − ₱11,678 = ₱26,472