Mexico Net Salary Calculator (Calculadora ISR)

Enter your annual gross salary in Mexican pesos to instantly and freely calculate ISR (income tax) and IMSS employee contributions, including the Employment Subsidy, and get your net take-home pay (sueldo neto).

What is the Mexico net salary calculator?

This tool estimates your net take-home pay (sueldo neto) in Mexico from your gross annual salary, subtracting ISR (Impuesto Sobre la Renta, income tax) and the employee contribution to IMSS (Instituto Mexicano del Seguro Social, the Mexican Social Security Institute). Job offers and contracts usually state the gross salary, so figuring out how much actually lands in your bank account requires applying the progressive monthly ISR tariff and the relevant social security rates.

Mexican ISR uses a progressive monthly tariff with 11 income brackets published annually by the SAT, together with the Employment Subsidy, a tax benefit that reduces ISR for lower-income workers. The IMSS employee contribution is calculated on a separate base (the Contribution Base Salary) and is not deducted from the ISR taxable base. This calculator applies a simplified model of both systems to give you a quick estimate close to a real payslip.

How to use the Mexico net salary calculator

Enter your gross annual salary Type the gross annual salary in Mexican pesos from your job offer or contract, using the input field or the slider.
Review the calculation result The IMSS employee contribution, ISR (before and after the subsidy), and your net annual and monthly salary are recalculated automatically.
Check the gross vs. net chart The chart below shows how your net salary changes as your gross annual salary varies, helping you visualize the effect of the progressive tariff.

Tips for getting more out of it

The monthly ISR tariff is updated once a year by the SAT via the Official Gazette (Diario Oficial de la Federación), so the brackets and amounts may change in later years.
The Employment Subsidy stops applying entirely once the monthly salary exceeds $7,382.33, so near that threshold a small raise can actually reduce your net pay.
The legal Contribution Base Salary (SBC) includes benefits beyond the base salary, so the real IMSS contribution on your payslip may be somewhat higher than this estimate.
The legal minimum aguinaldo is 15 days of salary, but many companies pay more (up to a full month), so your real annual income usually exceeds this calculator's estimate.
Foreign nationals working in Mexico under a local contract are generally subject to the same ISR and IMSS rules as Mexican employees.

Common use cases

Comparing job offers

Enter the gross salary from several offers to see which one actually leaves you with a higher net monthly salary.

Planning a relocation or job change to Mexico

If you are offered a position in Mexico from abroad, you can estimate ahead of time how much real income you will receive each month to plan your budget.

Reference for salary negotiation

When negotiating a raise or a new salary, you can immediately see how much of that increase actually translates into higher take-home pay.

Estimating labor cost from an employer's perspective

Also useful as a quick reference for what portion of an offered gross salary actually reaches the employee (this tool does not include the employer's IMSS or INFONAVIT contributions).

Mexican payroll and tax glossary

ISR (Impuesto Sobre la Renta): Mexico's federal income tax. For salaried employees, the employer withholds it monthly by applying the current progressive tariff.
IMSS (Instituto Mexicano del Seguro Social): The public agency that administers social security in Mexico (health care, pensions, workplace risks, childcare). Both employee and employer pay contributions (cuotas).
SBC (Salario Base de Cotización): The salary base used to calculate IMSS contributions. It includes the base salary plus certain benefits, so it may not exactly match the nominal salary.
UMA (Unidad de Medida y Actualización): The reference unit used to calculate fines, contributions, and benefits in Mexico. INEGI updates it every February; its 2026 monthly value is $3,566.22.
Employment Subsidy (Subsidio para el Empleo): A tax benefit that reduces ISR for lower-income workers by a fixed amount based on their monthly salary. It stops applying once the monthly salary exceeds $7,382.33.
Aguinaldo: A mandatory year-end bonus equal to at least 15 days of salary, which must be paid by December 20. It is exempt from ISR up to 30 UMA.
PTU (Participación de los Trabajadores en las Utilidades): The mandatory profit-sharing scheme (by law, generally 10% of a company's profits) distributed among employees, calculated separately from ISR and the aguinaldo.

Frequently asked questions

Salario bruto is the amount before ISR and IMSS contributions are deducted. Sueldo neto is what is actually deposited into your account after those deductions. Job offers usually quote the salario bruto.

The real IMSS Contribution Base Salary (SBC) can include benefits beyond the base salary, which may create a difference from this tool's estimate. For the exact amount, check your payslip (recibo de nómina).

No. The aguinaldo has separate tax treatment (exempt up to 30 UMA) and is paid separately from the monthly salary, so it is not included in this calculation.

It is a tax benefit that reduces ISR for lower-income workers by a fixed amount based on their monthly salary. It stops applying once the monthly salary exceeds $7,382.33.

As a general rule, yes: anyone receiving a salary from a Mexican employer as a resident is subject to the same ISR and IMSS rules, regardless of nationality. The situation can vary depending on visa type or contract, so it is worth consulting a specialist.

Side Note — the origin of the aguinaldo and Mexico's progressive tax tariff

One distinctive feature of the Mexican payroll system is the aguinaldo, a year-end bonus paid separately from the monthly salary. The Federal Labor Law (Ley Federal del Trabajo) requires employers to pay at least 15 days of salary by December 20. In practice, many companies pay more than the legal minimum, approaching a full month's salary, making the aguinaldo a significant extra source of income for many workers during the holiday season.

The word "aguinaldo" traces back to the custom of giving money or gifts at New Year or Christmas across several Spanish-speaking countries. In Mexico, this custom became a legal obligation with the 1970 reform of the Federal Labor Law, turning what had previously been a gesture of employer goodwill into a guaranteed labor right. Similar practices exist in other countries with Latin traditions, such as the "décimo terceiro salário" in Brazil or the "paga extra" in Spain.

Mexico's progressive monthly ISR tariff is updated every year, and this adjustment is not merely a policy change: it also compensates for inflation to avoid what is known as "bracket creep," where a worker moves into a higher tax bracket simply because of nominal price increases, without any real gain in purchasing power. The UMA (Unidad de Medida y Actualización) was created for a similar purpose, decoupling the calculation of fines and social security contributions from the minimum wage so that increases to the minimum wage do not automatically drive up other regulatory amounts.

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