Mexico sueldo neto from the gross: ISR with the subsidio para el empleo and IMSS quotas
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 10 Oct 2026.A gross salary of $15,000 a month in Mexico leaves a sueldo neto of $13,203.21 in 2026. The ISR withheld is $1,402.82 by the SAT's monthly tariff, and the IMSS worker quotas come to $393.97, using the first-year integration factor of 1.0493 and the UMA of $117.31 a day.
2026 · Rates and rules read from the sources listed on this page (the earliest on 10 Oct 2026); they may have changed since.
Type the gross monthly salary in pesos, or tap one of the example salaries.
Choose the minimum-wage zone: general, or the northern border free zone.
Check the integration factor, the daily UMA and the minimum wage under the options; the defaults are the 2026 values.
Read the sueldo neto, the ISR after the subsidy, and each IMSS quota line by line.
This calculator turns a gross monthly salary in pesos into the sueldo neto a Mexican payslip shows, with the ISR and each IMSS quota on its own line.
ISR. The tax withheld from wages follows the monthly tariff of article 96 of the Ley del ISR, published by the SAT in Anexo 8 of the 2026 Resolución Miscelánea: from 1.92% on the first pesos to 35% above $425,642. If your monthly income is $11,492.66 or less, the subsidio para el empleo (15.02% of the monthly UMA, $535.65) comes off the ISR, but it is never paid to you in cash. Just above that limit the whole subsidy is lost at once, so net pay dips.
IMSS. Your quotas are worked out on the salario base de cotización (SBC): the daily salary times an integration factor that adds the aguinaldo and the prima vacacional (1.0493 in the first year). You pay 0.25% for cash benefits, 0.375% for pensioners' medical costs, 0.625% for invalidez y vida and 1.125% for cesantía y vejez, plus 0.40% on the part of the SBC above 3 UMA. The SBC stops at 25 UMA ($2,932.75 a day). A worker who earns only the minimum wage pays no IMSS and no ISR; the employer covers the quotas.
Values to check. The UMA ($117.31 a day from 1 February 2026) and the minimum wage ($315.04, or $440.87 in the northern border zone) are boxes you can change.
What is not included. Overtime, food vouchers, savings funds, PTU, INFONAVIT credit discounts and the employer's own contributions. For the December bonus, use the Aguinaldo Calculator; to add or remove IVA, the Mexico IVA Calculator. Working elsewhere in Latin America? See the Peru Net Salary Calculator, the Chile Net Salary Calculator and the Colombia Net Salary Calculator.
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A gross salary of $15,000 a month leaves $13,203.21 in 2026. The ISR withheld is $1,402.82 and the IMSS worker quotas total $393.97, with the first-year integration factor of 1.0493 and the UMA of $117.31. No subsidio para el empleo applies, because the income is above $11,492.66.
IMSS takes about 2.375% of the salario base de cotización: 0.25% for cash benefits, 0.375% for pensioners' medical costs, 0.625% for invalidez y vida and 1.125% for cesantía y vejez. Another 0.40% applies to the part of the SBC above 3 UMA ($351.93 a day in 2026).
Workers whose monthly income is $11,492.66 or less get the subsidio para el empleo in 2026: 15.02% of the monthly UMA, or $535.65. The amount comes off the ISR withheld and is never paid in cash, so a worker whose ISR is smaller simply pays no ISR.
No. Article 96 of the Ley del ISR says no tax is withheld from someone who earns only the minimum wage, and article 36 of the Ley del Seguro Social makes the employer pay that worker's IMSS quotas. The 2026 minimum wage is $315.04 a day, or $440.87 in the northern border zone.
The salario base de cotización stops at 25 UMA a day, which is $2,932.75 with the 2026 UMA of $117.31. Anything you earn above that pays no extra IMSS quota, so the worker quotas stay at $2,431.27 a month however high the salary goes.
The legal minimum in the first year is 1.0493: one plus 15 days of aguinaldo and 12 days of vacation at a 25% prima vacacional, divided by 365. More vacation days with seniority or a larger aguinaldo raise the factor; your payslip or your employer's IMSS registration shows the real one.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about Mexico Net Salary Calculator (Sueldo Neto) and anybody who knows can answer. No account needed.
Same job, other tools: Calculadora Cuotas IMSS 2026 – Calculadora de cuotas IMSS 2026: patrón y trabajador por ramo, cesantía incluida · Calculadora RESICO 2026 – Calculadora RESICO 2026: ISR mensual de personas físicas y retención del 1.25% · Cálculo SDI: Salario Diario Integrado 2026 – Cálculo del SDI 2026: factor de integración por antigüedad, aguinaldo y prima · Finiquito por Renuncia Mexico – Finiquito por renuncia: proportional vacation, prima vacacional and aguinaldo · Retención de Honorarios: ISR e IVA 2026 – Retención de honorarios: 10% de ISR y dos terceras partes del IVA en la factura · Calculadora Vacaciones Dignas 2026 – Calculadora de vacaciones dignas: días por antigüedad y prima vacacional.
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