Net Salary Calculator (Mexico)
This calculator estimates your net salary in Mexico from your gross monthly pay. It applies the 2026 monthly ISR tax table, the employment subsidy, and the employee IMSS contribution, and shows how much you actually take home each month and per year. In Mexico salaries are thought of monthly, so it is the quickest way to know, before signing a contract or negotiating a raise, how much money really reaches your account each month.
Rough estimate using the 2026 monthly ISR tax table, the employment subsidy, and the employee IMSS contribution (approximate, ~2.775%). It does not include benefits, other personal deductions, or your particular situation. Check your payslip or an accountant for the exact figure.
Net salary
Net monthly salary:
Annual net (×12):
Income tax (ISR)
Social Security (IMSS)
Effective rate
Gross salary (MXN)
Employment subsidy applied
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How it works
On a Mexican payslip your earnings (percepciones, your gross salary) face two statutory deductions. The first is ISR income tax: your taxable monthly income is located in the monthly bracket table, giving a fixed fee plus a marginal percentage that applies only to the amount above that bracket’s lower limit. The second is the employee IMSS contribution, the worker’s share of social security (sickness and maternity, disability and life, severance in old age and retirement), summarized here as a single approximate rate of 2.775%. If your monthly salary does not exceed $11,492.66, the $536.22 employment subsidy is subtracted from the ISR and can bring it down to zero. Net pay is gross minus ISR minus IMSS; the rest — the aguinaldo (year-end bonus), vacation premium, food vouchers or savings fund — is worked out separately and is not part of this figure.
How the Mexico net salary is calculated in 2026
A payslip subtracts two mandatory items from the gross salary — ISR and the employee IMSS contribution — and, for low salaries, adds the employment subsidy. This calculator uses the 2026 parameters and works on the monthly cash salary; it leaves out fringe benefits and the fine IMSS caps to give you a quick figure:
| Item | Rate or bracket | Note |
|---|---|---|
| ISR (monthly withholding) | Bracketed table, from 1.92% to 35% | Fixed fee of the row + a percentage on the amount above the lower limit; not all the salary is taxed at the top rate |
| Employment subsidy | $536.22 per month | Subtracted from the ISR only if the gross monthly salary does not exceed $11,492.66 |
| Employee IMSS contribution | ≈ 2.775% of salary | Single simplified rate; real IMSS adds several branches, each with its own cap and contribution base salary |
| Benefits (aguinaldo, vouchers, savings fund) | Not included | Worked out separately; the tool starts only from the gross salary |
A step-by-step example
Take a gross salary of $20,000 a month. The income falls in the bracket starting at $17,533.65, with a fixed fee of $1,856.84 and a marginal rate of 21.36%. The excess is $20,000 − $17,533.65 = $2,466.35, which at 21.36% is $526.81; added to the fixed fee, the month’s ISR is $2,383.65. Since $20,000 is above the $11,492.66 ceiling, there is no subsidy. The employee IMSS contribution is 2.775% of $20,000 = $555.00. The total deduction is $2,383.65 + $555.00 = $2,938.65, so the monthly net is $17,061.35 — about 85% of the gross, an effective rate of 14.7%. On a $8,000 salary, by contrast, the ISR is wiped out by the subsidy and the only deduction is the $222.00 of IMSS.
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Preguntas frecuentes
- What is ISR and how do its brackets work?
- ISR (Impuesto Sobre la Renta) is the federal tax on your salary. It uses a monthly table of eleven brackets: each has a fixed fee and a marginal rate ranging from 1.92% to 35%. Only the part of your salary above your bracket’s lower limit pays that rate, not your whole income, so moving up a bracket never leaves you with less net pay.
- What does IMSS deduct from my salary?
- The employee IMSS contribution is your share of social security: it covers sickness and maternity, disability and life, and retirement for old age and severance. Your employer pays considerably more than you and withholds your share on the payslip. It is calculated on the contribution base salary with caps per branch; this calculator summarizes it as a single approximate rate of 2.775%.
- Does the aguinaldo (year-end bonus) pay ISR?
- Yes, but with an exemption. The aguinaldo (at least 15 days of salary, paid before 20 December) is exempt from ISR up to 30 days of UMA; anything above that is added to your monthly income and is taxed. Because this calculator starts only from the monthly salary, it does not include the aguinaldo or its withholding.
- Why does my real net differ from this calculator’s figure?
- Because it is a simplified estimate. Your payslip can differ due to the benefits you receive (food vouchers, savings fund, welfare payments, sometimes exempt), personal deductions in your annual return, the annual ISR adjustment, or because IMSS is worked out branch by branch rather than as a single rate. It does not vary by state: ISR is federal.
- Gross vs. take-home salary: how do I ask for it in an interview?
- In Mexico almost all offers are stated as gross monthly pay, and that is how to negotiate. Always ask whether the figure is "bruto" (gross) or "libre" (net, taxes already deducted): a "libre" salary of $17,000 is roughly a gross of $20,000. Clarifying it before signing avoids surprises on your first payslip.