ANTE User ManualDeduction Plans
Deduction is the Payroll Setup section where HR administrators manage deduction assignments for employees. Each deduction type (for example, an HDMF or SSS loan) has its own plan list showing which employees are enrolled, their loan amounts, and the status of each plan.
Once a plan is active, payroll takes its installment off the employee's pay when each cutoff is computed, and the deduction shows on the payslip.
You reach it at HR → Payroll Setup → Deduction. Each deduction type shows how many employees it deducts from. Click a type to open its plan list, or, when the type is split into sub-types, to pick the sub-type.
On a plan list, right-click a row to open the plan, activate or deactivate it, detach a rule-made plan to manual, open the employee's record or copy the plan or employee details.
Types and Sub-Types
A deduction type works in one of two ways. Most companies keep it simple: employees are assigned straight to the type (for example VAC or Health Card), and clicking the type opens its plan list. Use Type settings on that page to rename, archive, or add sub-types.
A type can instead be a group of sub-types (for example a Loans type holding SSS Loan and Pag-IBIG Loan). Employees are then assigned to the sub-types, and clicking the group opens the list of its sub-types.
You do not need to open each sub-type to see who is on it. The sub-type list on the type page has an Assigned column showing how many employees currently have an active plan; click it to expand the employees in place (employee ID, name, department, amount and status). Use the search box to find someone by name or employee ID, and the department filter to narrow the list. For a type that holds employees directly, use Show employees in the notice on the type page. The count always matches the active plans in the plan list, and it updates as soon as you assign employees.
The Deduction Plan List
When you open a deduction sub-type, the page shows the sub-type's name as the title and its category (for example, LOAN) as the subtitle. Summary cards at the top display:
- Assigned Employees — total number of plans in the current view
- Deduction Category — the category of this deduction type (LOAN or Recurring)
- Total Amount Tracking — whether a principal balance is tracked (Yes for loans; No for recurring deductions)
Below the summary cards, the Deduction Plans table shows all employee plans for this sub-type.
Status Tabs
The plan list uses tabs to filter plans by their current status. The tabs available depend on the deduction category.
Active Plans
Shows employees currently enrolled with an ongoing deduction. For loan-type deductions, this tab only shows loans that still have an outstanding balance — fully paid loans are moved to the Completed Plans tab instead.
Completed Plans (Loan types only)
This tab appears only for LOAN-category deduction types (such as HDMF loans, SSS loans, or other employer-administered loans with a finite principal).
A plan moves into Completed when the loan balance reaches ₱0.00 — the employee has fully repaid the loan. Completed plans remain visible here for record-keeping but are no longer deducted from payroll.
The Completed tab does not appear for recurring deduction types (such as regular DEMINIMIS or other open-ended deductions that have no fixed principal amount). Those types only show Active Plans and Inactive Plans.
Inactive Plans
Shows plans that have been manually deactivated. An inactive plan stops generating deductions until it is reactivated.
Assigning Employees to a Deduction
Instead of assigning employees one by one, you can add an Auto-assign rules tab rule that enrols every matching employee automatically (non-loan deductions only; loans cannot use rules). The plan list then also has Manually assigned and Auto-assigned (rules) tabs. See Auto-assign Rules.
You need the HR Configuration → Deduction Create permission to assign employees.
The assignment flow has two steps:
Step 1 — Select Employees
- Click Assign Employees (top right).
- The employee selection dialog opens. Search for and select the employees you want to enroll.
- Click Next.
Step 2 — Set Deduction Details
The settings dialog opens. Fill in the deduction parameters (fields vary by deduction category; loan types require loan amount, monthly amortization, deduction period, and effectivity date). The amount field is a monthly amount: its hint reads "Monthly amount. Every Period splits it across the month's payroll periods." The same hint appears on the allowance amount field.
Click Save to complete the assignment. The new plans appear in the Active Plans tab.
Importing Plans in Bulk
Click Mass Import (top right) to open the import dialog and upload a spreadsheet of employee deduction assignments. Refer to the import template for the required columns.
Every row needs an effectivity date, written year-first (2026-01-13 or 2026/01/13). A row whose effectivity date is blank or unreadable is reported as an error and is not imported — it is no longer given today's date as a stand-in, because a silently wrong effectivity date changes which payroll period the deduction first comes out of. Fix the cell and re-upload.
Every row also needs a recognised Deduction Period. A row whose Deduction Period is blank, or is not one of the accepted values, is rejected with "Deduction Period is required" or "Deduction Period '...' is not recognised" (followed by the accepted values). It is no longer treated as Every Period, because the period decides how often the money is taken. The import errors dialog shows the text you typed on the Period line. Choose the value from the template's dropdown; Not Deducted is accepted. The allowance bulk import applies the same rule to its Allowance Period column (blank or unrecognised is rejected; Not Given is accepted).
Viewing a Plan's Details
Click any row in the table to open the plan's detail dialog. The dialog shows the employee's deduction settings and allows you to:
- View the current balance and deduction history
- Deactivate an active plan (moves it to Inactive Plans)
- Reactivate an inactive plan (moves it back to Active Plans)
- Attach supporting documents on the Attachments tab — the signed contract for a loan, or the authorization form for a plain deduction
- Delete the plan entirely, if it has never been part of a posted payroll run
If the plan has already been deducted in one or more posted payroll cutoffs, clicking Delete is refused. Deleting it would strip that deduction out of payslips that have already been finalized and paid, leaving the posted payslip's totals out of step with its own breakdown — so the system blocks the delete and tells you which posted cutoffs are holding it back.
Deleting is never required to stop a plan: use Deactivate instead. A deactivated plan stops generating any future deduction while keeping its full history, and every past payslip stays untouched and correct.
Deactivating also frees the employee to be enrolled in a new loan of the same type, which is what you need when someone refinances before the old loan is paid off. The old plan keeps its outstanding balance on record and continues to show as Ongoing — it is stopped, not written off.
Because only one loan of a given type can be collected from an employee at a time, reactivating the old plan while the newer one is still active is refused. Deactivate the newer plan first if you need to switch back.
Exporting a Loan's Transaction History
On the History tab of the plan detail dialog, click Export to Excel to download a spreadsheet (.xlsx) of that loan's transaction history. The file includes each transaction's date, type, amount, and running balance. The filename is pre-filled with the plan's code (for example, Loan-Summary-HDMF-001.xlsx).
This button only appears when there is at least one transaction recorded for the plan.
Attaching Supporting Documents
A loan and a deduction are the same kind of plan underneath, so the Attachments tab appears on both — only the wording changes. On a LOAN-category plan the button reads Attach Contract; on any other deduction it reads Attach Document. A plan can hold many documents at once, since a loan often accumulates more than one (the original contract, then a restructure amendment) and a deduction may need its authorization form filed alongside its numbers.
Attaching a document takes two fields:
Each attached document's row shows its file name, document type, size, upload date, and who uploaded it, plus its remarks if any were entered. Three actions are available per row:
- View — opens the file in a new browser tab
- Edit — lets you change the document type and remarks only
- Delete — permanently removes the document
Editing a document only relabels it — the uploaded file itself cannot be replaced. To supersede a document (for example, a signed amendment replacing the original loan terms), attach it as a new upload instead of trying to edit the old one. This way both versions stay on record.
The upload accepts PDF, Word (.doc, .docx), Excel (.xls, .xlsx), and image files (.png, .jpg, .jpeg) up to 10MB. A file that is too large, or of a type the system doesn't recognize as safe to store, is rejected before it uploads.
Savings Deductions and Withdrawals
A savings deduction is a regular deduction that builds up as the employee's savings instead of paying down a balance owed. Every payroll deduction adds to what the employee has saved, and the payslip reports the total saved to date.
Setting up a savings deduction type
On the deduction type form, set Category to Deduction, then tick Savings deduction (hint: "The amount accumulates as the employee's savings. The payslip shows the total saved to date instead of a balance owed, and no loan amount can be set."). The option only appears for the Deduction category — a Loan or De Minimis type cannot be a savings type — and it is cleared if you change the category. Savings types are marked Savings beside their category on the Deduction list and on the type's detail page.
Withdrawing or refunding savings
Withdrawals are processed on Savings Withdrawals. The Withdraw savings button on a savings plan opens that same dialog, so the rules are identical. It needs the Process Withdrawals permission.
- Open the employee's savings plan by clicking its row. The info tab shows Total saved.
- Click Withdraw savings. The button is disabled, with the tooltip "Nothing saved to withdraw", when the total saved is zero.
- Enter the Amount (no more than what is available), choose How is it paid out? — Next payroll, Treasury release or Recorded only — pick a Fund account for a treasury release, and give the Remarks (required).
- Click Create Withdrawal.
Once paid, the withdrawal lowers the total saved, is kept in the plan's history, and is netted out of the Total Saved shown on later payslips (see Payslip Center). A payroll withdrawal lowers it only when its cut-off is posted. See the three payout methods and the status of every withdrawal on Savings Withdrawals.
Tagging a Deduction as a Government Remittance Line
Government loans and Pag-IBIG MP2 savings must be reported to the agency each month. To have them included in the statutory remittance files, tag the deduction type and record the agency reference on each plan.
Tag the deduction type
On the deduction type form, set Government remittance line (hint: "Tag SSS / Pag-IBIG loans and MP2 savings so they appear in the monthly remittance files."). Choose one of:
- SSS salary loan or SSS calamity loan
- Pag-IBIG multi-purpose loan or Pag-IBIG calamity loan
- Pag-IBIG MP2 savings
- None (ordinary deduction) — the default; the deduction is not reported in any file
Record the agency reference on the plan
On each employee's plan, fill in Agency reference no. — the loan application number, or the MP2 account number (hint: "Pag-IBIG loan files need it"). A loan or MP2 plan without a reference is left out of the file and shown in the dialog's list of employees left out, so you can fix it and generate again.
Common Tasks
| I want to… | Do this |
|---|---|
| See only fully paid loans | Click the Completed Plans tab (LOAN types only) |
| See only ongoing loans | Click Active Plans — fully paid loans are excluded from this tab on LOAN types |
| See deactivated plans | Click Inactive Plans |
| Enroll new employees | Click Assign Employees and follow the two-step flow |
| Upload many assignments at once | Click Mass Import |
| Check one employee's balance | Click the employee's row to open the detail dialog |
| Download a loan's transaction history as a spreadsheet | Open the plan detail dialog → History tab → Export to Excel |
| Attach a supporting document to a plan | Open the plan detail dialog → Attachments tab → Attach Contract / Attach Document |
Permissions
| Action | Required Permission |
|---|---|
| View the deduction plan list | HR Configuration → Deduction access |
| Assign employees / import | HR Configuration → Deduction Create |
| Activate or deactivate a plan | HR Configuration → Deduction update permissions |
| View or download an attached document | HR Configuration → Deduction access |
| Attach a new document | HR Configuration → Deduction Create |
| Edit a document's type or remarks | HR Configuration → Deduction Update |
| Delete an attached document | HR Configuration → Deduction Delete |
Related Pages
- HR Overview — the full HR menu and module overview
- HRIS — where deduction types are assigned to individual employee profiles
- Payroll Center — where deductions are applied during payroll processing
- HR Settings — company-wide HR configuration
How It Connects
Gets its data from
- Auto-assign Rules — rules enrol employees in this non-loan deduction automatically.
Feeds into
- Savings Withdrawals — pays out the balance a savings plan has built up.
- Payroll Center — takes each active plan's installment off the employee's pay when the cutoff is computed.
- Payslip Center — shows each deduction, with loan and savings balances, on the payslip.
- Monthly Remittance — deductions tagged as government remittance lines feed the SSS, PhilHealth and Pag-IBIG remittance files.
- Payroll Journal — each deduction type posts to its own line in the payroll journal.
- Deduction Reports — lists the current deduction plans.
- Employee Records — plans can also be assigned from each employee's profile.