Calculadora de Sueldo Neto Mexico 2026 - ISR e IMSS

Money

Mexico net salary calculator

Estimate your 2026 net monthly salary in Mexico after ISR tax and IMSS deductions.

Monthly gross salary (MXN)

Estimated net monthly salary

ISR income tax-
IMSS employee share-
Subsidio al empleo-
Total deductions-

Estimate for 2026 using SAT Art. 96 monthly ISR withholding tables and IMSS employee rates (2.775% of SBC). Assumes gross salary equals SBC. Excludes INFONAVIT, state taxes, and other deductions. SAT source.

How the math works

ISR: the 2026 monthly tariff (Art. 96 LISR) is applied to your gross salary. For example, $20,000 falls in the $17,533.65-$35,362.83 bracket: 21.36% on the excess over $17,533.65 plus $1,856.84 fixed = $2,383.65.

Subsidio al empleo: $535.65/month applies when gross income is up to $11,492.66. It reduces ISR to zero but is never paid out in cash.

IMSS (employee): 1.125% cesantia y vejez + 0.625% invalidez y vida + 0.375% gastos medicos pensionados + 0.25% prestaciones en dinero + 0.40% enfermedad y maternidad (only on the amount exceeding 3 UMA daily).

Net = gross - ISR + subsidio - IMSS

Tax tables verified: October 2026. Sources: SAT (Anexo 8, RMF 2026), IMSS (LSS Arts. 106-108, 147, 168).

Does this include INFONAVIT?

No. INFONAVIT housing fund deductions depend on your specific credit and are not included.

What if I earn minimum wage?

Workers earning exactly the minimum wage pay no employee IMSS share - the employer absorbs it (Art. 36 LSS). This calculator applies standard rates.

Cómo funciona

Cómo funciona: Calculadora de Sueldo Neto México

Respuesta rápida: Un sueldo bruto mensual de $20,000 MXN deja unos $17,104.14 netos tras el ISR 2026 ($2,383.65) y la cuota obrera del IMSS ($512.21).

Fórmula

ISR = (ingreso − límite inferior) × % sobre excedente + cuota fija  (tarifa mensual SAT 2026)
ISR neto = ISR − subsidio al empleo ($535.65 si el ingreso es ≤ $11,492.66)
IMSS ≈ 2.375% del salario + 0.40% del excedente de 3 UMA ($10,698.66)

Supone que el salario base de cotización (SBC) es igual al sueldo bruto mensual.

Ejemplo práctico

$20,000 MXN brutos: ISR $2,383.65, IMSS $512.21, deducciones totales $2,895.86, neto $17,104.14.

Retenciones mensuales 2026

Sueldo bruto mensual	ISR	IMSS	Sueldo neto
$10,000 MXN	$193.37	$237.50	$9,569.13	Abrir
$15,000 MXN	$1,402.82	$373.46	$13,223.72	Abrir
$20,000 MXN	$2,383.65	$512.21	$17,104.14	Abrir
$30,000 MXN	$4,519.65	$789.71	$24,690.64	Abrir
$50,000 MXN	$9,107.82	$1,344.71	$39,547.47	Abrir
$80,000 MXN	$17,736.09	$2,177.21	$60,086.71	Abrir

Supuestos y límites

No incluye aguinaldo, prima vacacional, crédito INFONAVIT ni impuestos estatales.
Si el SBC integra prestaciones, el IMSS es un poco mayor.

Preguntas frecuentes

¿Cuánto es el subsidio al empleo en 2026?

Desde febrero de 2026 es el 15.02% de la UMA mensual, unos $535.65, para quienes ganan hasta $11,492.66 al mes.