Italy Net Salary Calculator (Calcolo Stipendio Netto)
Free Italian take-home pay calculator: enter your gross annual salary and number of yearly payments (13th or 14th month) to instantly calculate INPS social security contributions, IRPEF income tax and regional/municipal surtax.
What is an Italy net salary calculator?
This calculator estimates your take-home pay from your gross annual Italian salary by applying the employee INPS social security contribution, followed by IRPEF income tax withholding on the three national brackets, plus regional and municipal surtaxes.
Rather than relying on a flat percentage rule of thumb, it accounts for the distinctive step in the employment income tax credit at €15,000, the additional tax credit that applies between €20,000 and €40,000, and the refundable tax credit (trattamento integrativo) that tops up pay for lower incomes, then lets you split the annual total across either 13 or 14 yearly payments to match how Italian employers actually pay salaries.
How the calculation works
- Enter your gross annual salary Type your gross annual salary in euros, or use the slider.
- Choose your number of yearly payments 13 payments is the legal minimum; some sectors such as banking and insurance also pay a 14th instalment.
- Read the result The contribution breakdown, tax breakdown, and final net pay per instalment appear instantly.
Tips for getting more out of it
- The employment income tax credit (detrazione per lavoro dipendente) has a distinctive step at exactly €15,000 of taxable income: it switches from a flat €1,955 to a phase-out formula that starts at €3,100 just above that threshold.
- The additional tax credit (ulteriore detrazione) provides a flat €1,000 for taxable income between €20,000 and €32,000, then phases out gradually up to €40,000.
- The refundable tax credit (trattamento integrativo) adds up to €1,200 for employees with taxable income up to €15,000, but does not apply once the employment income tax credit alone already reduces the tax due to zero.
- Regional and municipal surtaxes can differ by a few hundred euros a year depending on where you live, so check your region's and municipality's official rates for an exact figure.
- Most Italian employers split the gross annual salary (RAL) into 13 payments including the tredicesima, though some sectors add a 14th (quattordicesima), which is a different pay structure from a typical 12-month salary plus a discretionary year-end bonus.
Common use cases
Comparing job offers in Italy
When comparing two offers with different gross salaries (RAL), this calculator lets you compare the actual take-home pay per instalment of each.
Relocating to Italy for work
Foreign professionals moving to Italy can estimate their monthly take-home pay before negotiating a gross salary figure.
Understanding a payslip (busta paga)
See how gross salary is reduced step by step by INPS contributions, IRPEF tax, and regional/municipal surtax, matching the structure of an Italian payslip.
Payslip terms explained
- Tredicesima
- The mandatory "13th month" payment, typically paid in December, equivalent to roughly one extra month of gross salary on top of the 12 regular monthly payments.
- Quattordicesima
- An optional "14th month" payment, typically paid in June or July, common in sectors such as banking, insurance, and some collective labour agreements (CCNL).
- INPS
- Istituto Nazionale della Previdenza Sociale, Italy's national social security institute, which manages pensions, unemployment benefits, and sickness allowances in a single body.
- IRPEF
- Imposta sul Reddito delle Persone Fisiche, Italy's national personal income tax, calculated on three progressive brackets (23%, 33%, 43%) since the 2026 Budget Law.
- Addizionale regionale / comunale
- Regional and municipal surtaxes added on top of national IRPEF. Rates are set independently by each of Italy's 20 regions and by each municipality, up to a legal cap of 0.8% for municipalities.
- Trattamento integrativo
- A refundable tax credit of up to €1,200 per year for employees with lower taxable income, introduced in 2020 and often referred to informally as the "Renzi bonus" after the government that introduced its predecessor.
Frequently asked questions
Side Note — Italy's "13th salary" and its patchwork of local taxes
One of the most distinctive features of Italian payroll is the tredicesima mensilità, an extra month's pay that almost every employee receives, typically in December. Unlike a discretionary year-end bonus in many other countries, the tredicesima is a legal entitlement tied to the employment contract, functioning more like a guaranteed 13th instalment of the annual salary than a performance-based reward. Some sectors, notably banking and insurance, go further and pay a quattordicesima as well, usually around June or July, bringing the total to 14 payments a year.
Italy's income tax system layers regional and municipal surtaxes (addizionale regionale and addizionale comunale) on top of the national IRPEF brackets. Each of the 20 regions sets its own regional rate, and rates tend to run higher in regions burdened with health-system deficit recovery plans (piano di rientro), which are more common in southern Italy. Municipalities can add their own surtax up to a legal cap of 0.8%, and larger cities often set their rate at or near that cap.
INPS, the Istituto Nazionale della Previdenza Sociale, consolidates what in many countries would be several separate agencies — pensions, unemployment insurance, and sickness benefits — under one roof. The standard employee contribution rate of 9.19% funds this combined system, with an additional 1% charged on the portion of salary above roughly €56,000 a year to fund an extra solidarity mechanism for higher earners.