Mexico net salary calculator 2026

How take-home pay is worked out in Mexico

Mexico taxes salaries through withholding, month by month, so most employees never file anything. The employer takes your gross monthly pay and looks it up in the SAT tariff, a table of 11 brackets. Each bracket has a lower limit, a fixed amount and a rate that applies only to the part of your income above that limit. On MX$60,000 you sit in the bracket that starts at MX$55,736.69: a fixed MX$10,457.09 plus 30.00 % of the excess. Your marginal rate is therefore 30 %, while the ISR actually withheld is 19.6 % of your salary. People moving from countries with a large tax-free allowance often expect more: Mexico taxes from the first peso, at a low rate.

Social security is calculated on a different base. The SBC, salario base de cotización, is your daily wage (monthly salary ÷ 30) multiplied by an integration factor that spreads your statutory year-end bonus and vacation premium over every day of the year. In the first year the factor is 1.0493. Your share is 2.375 % of the SBC, plus 0.40 % on the part above three UMA a day. The SBC is capped at 25 UMA, MX$2,932.75 a day, which a first-year employee reaches at roughly MX$83,848 a month. Above that your IMSS deduction stops growing, which is why senior expat salaries lose a smaller share to social security than to income tax.

The employment subsidy only matters on lower pay: below MX$11,492.66 a month it reduces ISR by up to MX$535.65, and it disappears entirely above that line. Net pay here means the statutory figure. Voluntary deductions, a housing loan from Infonavit, a company savings fund, or benefits paid in vouchers sit outside it.

Why the minimum wage, the border zone and seniority change your net pay

A flat «gross minus 20 %» rule gets most Mexican salaries wrong. Four rules move the result, and the calculator applies all of them.

Minimum wage earners pay nothing. Article 96 of the Income Tax Law forbids withholding ISR from someone who earns only the minimum wage, and article 36 of the Social Security Law makes the employer pay that worker's IMSS share. At MX$9,582.47 a month, net equals gross. Earn a little more and both protections vanish at once, so a salary just above the minimum can take home less. The minimum wage guide covers how the daily rate becomes a monthly one.

The northern border zone has its own minimum. In the border municipalities, from Tijuana to Matamoros, the daily minimum is MX$440.87, or MX$13,409.80 a month, against MX$315.04 a day elsewhere. The same salary can be tax-free in Ciudad Juárez and taxed in Monterrey. If you are posted to a maquiladora on the border, select the zone; the border zone page lists every municipality.

Some trades have a higher legal floor. CONASAMI sets 61 professional minimum wages for specific occupations, up to MX$705.46 a day outside the border zone. They set what an employer must pay, though they do not carry the tax exemption of the general minimum. See the professional minimum wages.

The subsidy cliff. At MX$11,492.66 you keep MX$10,841; at MX$11,693 you keep MX$10,477. A raise in that band can lower your pay, as the simulator below shows. The employment subsidy guide explains the rule.

Seniority lifts your contribution base. Paid vacation grows with each year of service, and the integration factor with it: 1.0493 in the first year, 1.0575 in the eleventh, when you are entitled to 24 days. On MX$72,000 a month, IMSS goes from MX$2,082 to MX$2,098. Small, but it is why two colleagues on the same salary can see different payslips. Entitlements by year are on the vacation days page.

Local contract or international assignment

This calculator assumes a local employment contract with a Mexican company or a Mexican subsidiary, paid in pesos through Mexican payroll. That is the most common set-up for foreigners who move here with a temporary or permanent resident visa and a job offer, and it brings the full package of Mexican statutory benefits: aguinaldo, vacation premium, profit sharing (PTU) and IMSS registration.

An international assignment is different. If you stay on a foreign payroll and are seconded to Mexico, your employer may run a shadow payroll in Mexico, apply tax equalisation, or split your salary between two countries. Whether Mexico taxes you as a resident depends on where your home and your centre of vital interests are, under the Federal Tax Code, and possibly on a tax treaty between Mexico and your home country. Those situations need advice from a tax professional; the figures here are a useful benchmark for what a local hire on the same gross would take home.

Contractors are a third case. Being paid by invoice, under honorarios or a simplified regime, means no withholding by an employer, no IMSS registration as an employee and no aguinaldo. If you are comparing a contractor rate with a salaried offer, the hourly wage calculator helps put both on the same footing.

Reading your CFDI payslip

Every Mexican payslip is an electronic invoice, the CFDI de nómina, stamped by the SAT and identified by a long folio number (UUID). It is the official record of what you were paid and what was withheld, and the document your annual return draws on. It has three blocks worth checking against the calculator.

Under percepciones you will find your salary for the period, split into taxable (gravado) and exempt (exento) amounts. Under deducciones you will see ISR and IMSS, plus any loan or voluntary items. Under otros pagos the employment subsidy appears when it applies. The header shows your SBC and your RFC, the Mexican tax ID that your employer needs to issue the CFDI. If the SBC looks too low for your salary, ask why: an under-declared base reduces your IMSS benefits.

Because you are probably paid by quincena, each CFDI covers half a month and uses the 15-day tariff. Two quincenas add up to almost exactly the monthly result shown here. Small differences of a few pesos are normal; larger ones usually mean an extra payment or a deduction that the calculator does not include.

2026 values and parameters

Everything the calculator uses, from official publications. The minimum wage changes on 1 January, the UMA on 1 February, the ISR tariff with each new Miscellaneous Tax Resolution.

Worked examples: Mexican net salary in 2026

First year of service, outside the border zone, monthly payroll. The first line is the general minimum wage; the higher lines are typical of professional and expat packages.

The annual column leaves out the aguinaldo and other year-end payments, so your real yearly income is higher. Notice how slowly the effective rate climbs: even on MX$200,000 a month, total deductions stay below the 35 % top rate, which only applies to monthly income above MX$425,642.00.

Popular calculations

A page for each common salary, with the threshold that matters at that level:

• Net pay on MX$10,000 gross a month
• Net pay on MX$12,000 gross a month
• Net pay on MX$15,000 gross a month
• Net pay on MX$20,000 gross a month
• Net pay on MX$35,000 gross a month
• Net pay on MX$50,000 gross a month
• Net pay on MX$60,000 gross a month
• Net pay on MX$100,000 gross a month

Calculators for every other payment in a Mexican employment relationship:

• ISR tax calculator
• IMSS calculator
• Net to gross
• Hourly wage
• Aguinaldo calculator
• Vacation premium
• Vacation days in Mexico
• PTU profit sharing
• Finiquito calculator
• Severance pay calculator
• Annual tax return

Guides to the rules behind them: Minimum wage 2026, Northern border minimum wage, Professional minimum wages, Employment subsidy, ISR tax brackets 2026, UMA 2026, Glossary.

Tips for newcomers on a Mexican payroll

1. Negotiate the gross, check the net. Offers are almost always gross. Run them here before you compare with your current salary, and use the net-to-gross calculator if you know the net you need.
2. Count the statutory extras. The aguinaldo of at least 15 days, the vacation premium and PTU profit sharing add to annual pay. Two offers with the same monthly gross can differ once these are counted.
3. Get your RFC and CURP early. Your employer needs your tax ID (RFC) to issue the CFDI, and your population registry key (CURP) for IMSS registration. Bring them to onboarding if you already have them.
4. Keep every CFDI. Download them from the SAT portal or your HR system. You need them for the annual return, and landlords or banks often ask for recent ones as proof of income.
5. File an annual return if you have deductions. Medical bills, school fees and mortgage interest can produce a refund. The annual return calculator gives an estimate.
6. Check the zone when you relocate. Moving to a border city changes the minimum-wage rules your payroll applies.

Sources

Every figure on this page comes from one of these official sources, read on2026-10-03.

• SAT, Annex 8 to the 2026 Miscellaneous Tax Resolution (DOF 28/12/2025): ISR tariffs
• DOF 31/12/2025, decree amending the employment subsidy decree
• INEGI, press release 1/26: 2026 UMA value
• DOF 09/12/2025, CONASAMI resolution setting the 2026 general and professional minimum wages
• DOF 27/12/2022, decree amending articles 76 and 78 of the Federal Labour Law (paid vacation reform)
• Federal Labour Law (Ley Federal del Trabajo), current text (Orden Jurídico Nacional)
• Social Security Law (Ley del Seguro Social), current text (Orden Jurídico Nacional)
• Income Tax Law (Ley del ISR), articles 93, 95, 96 and 152 (Orden Jurídico Nacional)
• Income Tax Regulations, article 174 (withholding on aguinaldo, PTU and vacation premium)
• DOF 03/02/2009, Fifth National PTU Commission resolution (10% of taxable income)