Tool
Monthly net salary
Enter your gross monthly salary and see how much ISR is withheld under the 2026 rate table and how much you take home net, with or without the approximate IMSS contribution.
Monthly net salary
—
After ISR and approximate IMSS
ISR withheld (2026 rate table)—
Approximate IMSS contribution—
Effective ISR rate—
Total withholding—
Assumptions & method
- ISR using the 2026 monthly rate table from Art. 96 LISR (Income Tax Law), published in Anexo 8 (Annex 8) of the RMF 2026 (Federal Tax Miscellaneous Resolution) (DOF, official gazette, 28-Dec-2025), in force since 1-Jan-2026. Official source: Anexo 8 of the RMF 2026 (SAT).
- Does not include the employment subsidy (which benefits lower salaries), the year-end bonus (aguinaldo), vacation premium, vouchers or other pay; nor personal deductions.
- The employee IMSS contribution is approximated at 2.775% of salary; the actual figure is calculated on the base contribution wage with caps and specific branches.
- This is an estimate to give you a sense of scale; your pay stub may vary depending on benefits and your employer's policy.
2026 rate table verified (Anexo 8 RMF, DOF 28-Dec-2025) · estimate without the employment subsidy
FAQ
The essentials, in short
Why doesn't my pay stub match exactly?
Because the actual withholding accounts for your integrated daily wage, the employment subsidy if applicable, and variable pay (bonuses, overtime, vouchers). This calculator uses only fixed gross salary with the general rate table: a good approximation, not your payroll.
What percentage of ISR do I actually pay?
The effective rate —the line we show— is always lower than the marginal rate of the bracket you land in, because the earlier brackets pay less. Landing 'in the 30%' does not mean paying 30% of your whole salary.
Is the year-end bonus (aguinaldo) subject to ISR?
Yes, with an exemption of 30 days of UMA; the excess is taxed. That's why December often comes with higher withholding. This calculator models only the ordinary monthly salary.
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