This calculator works out Italian take-home pay from a gross salary using the 2026 IRPEF scale and employee INPS contributions. It covers the national tax only. Every Italian region and most municipalities add a surtax on top, and those are left out, so your real net pay will be a little lower than the figure shown.
Income tax and employee contributions, 2026 rates.
| Breakdown | Amount |
|---|
Estimates for a single employee with standard allowances, calculated in your browser. Rates checked October 2026. Not tax advice.
Italy keeps its national scale short. For 2026 there are three IRPEF bands: 23% on the first €28,000, 33% up to €50,000, and 43% above that. The middle rate was 35% until the 2026 Budget Law cut it to 33%, a change worth real money to anyone earning in that range. There is no personal allowance built into the scale. What Italy has instead is an employment tax credit worth up to €1,955 that tapers away and reaches zero at €50,000. That credit is not in this calculator, so tax at low and middle incomes comes out higher here than on an actual payslip.
The bigger surprise on an Italian payslip is usually what is missing from a page like this. On top of IRPEF, your region charges a surtax of between 1.23% and 3.33%, and your municipality can add up to 0.9% more. Both are excluded from the model by design, and together they put most residents roughly one to four points above the burden shown. The contribution side is INPS, the state social security institute: employees pay 9.19% for pension and social insurance, plus an extra 1% on pay above €56,224, with contributions stopping at a ceiling of €122,295 for workers first insured after 1995. Those INPS amounts are in the calculation, itemised as their own line.
| Taxable income band | Rate |
|---|---|
| Up to €28,000 | 23% |
| €28,000 – €50,000 | 33% |
| Above €50,000 | 43% |
Bands apply to taxable income — what is left after any allowance.
| Gross salary | Income tax | Social | Take-home | Effective rate |
|---|---|---|---|---|
| €22,500 | €5,175 | €2,068 | €15,257 | 32.2% |
| €45,000 | €12,050 | €4,136 | €28,815 | 36.0% |
| €90,000 | €30,900 | €8,609 | €50,491 | 43.9% |
| €179,500 | €69,385 | €11,900 | €98,215 | 45.3% |
On €45,000 a year, take-home pay in Italy is €28,815 — about €2,401 a month — after €12,050 in income tax and €4,136 in social contributions. Salary levels are the local equivalents of US$25,000 / $50,000 / $100,000 / $200,000 at the ECB reference rate of 28 October 2026, rounded.
| Contribution | Rate | Applies from | Applies up to |
|---|---|---|---|
| INPS pension and social contributions (IVS) | 9.19% | First €0 | €122,295 |
| INPS additional contribution (pay above first pension band) | 1% | €56,224 | €122,295 |
Employee side only. Employer contributions, where a country charges them, do not come out of your pay and are not in these results.
The same salary under both tax systems, worked through at several income levels.
Compare them →The same salary under both tax systems, worked through at several income levels.
Compare them →The same salary under both tax systems, worked through at several income levels.
Compare them →The same salary under both tax systems, worked through at several income levels.
Compare them →The same salary under both tax systems, worked through at several income levels.
Compare them →The same salary under both tax systems, worked through at several income levels.
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