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Take-home pay on MX$10,000 gross in 2026
Reviewed by Radif Partners
Earning slightly more than the minimum and taking home less
On MX$10,000 gross a month in 2026 you take home MX$9,554: your employer withholds MX$193 of ISR, after an employment subsidy of MX$535.65, plus MX$253 of IMSS contributions. The 2026 general minimum wage works out at MX$9,582.47 a month. Someone paid exactly that amount pays no income tax, because article 96 of the ISR law bars withholding from anyone who earns only the minimum, and pays no IMSS either: article 36 of the Social Security Law makes the employer cover the worker’s share. Their net pay equals their gross. At MX$10,000 both protections vanish at once. The tariff charges MX$729, the subsidy gives back MX$536 and IMSS takes MX$253, leaving MX$9,554, which is MX$28 below the minimum-wage earner’s pay. For anyone weighing a job offer a few hundred pesos above the minimum, this is the first point on the scale where a small raise lowers disposable income.
Net pay per month
MX$9,554
Effective deduction rate: 4.5 %
| Gross monthly salary | MX$10,000 |
|---|---|
| ISR from the tariff | − MX$729 |
| Employment subsidy | + MX$536 |
| Employee IMSS contributions | − MX$253 |
| Net monthly salary | MX$9,554 |
| Marginal ISR rate | 10.88 % |
- The employment subsidy applies up to MX$11,492.66 of monthly income.
- Contribution base (SBC): MX$349.77 a day (integration factor 1.0493). Annex 8 RMF 2026 tariffs; UMA in force February to December 2026.
How big a raise you need to beat the minimum-wage take-home
Each extra peso loses 14 centavos to the 10.88% bracket and IMSS, so gross pay has to reach MX$10,033 before net pay beats the minimum wage again. The employment subsidy stays whole up to MX$11,492.66, so at this level it still works for you. Use the simulator below to compare today’s net with the net after a raise.
A raise near the subsidy limit
What the raise adds to net pay
MX$154
| Net before | MX$10,416 |
| Net after | MX$10,570 |
| Share of the raise you keep | 19 % |
MX$10,000 gross by pay period
| Period | Gross | ISR | IMSS | Net |
|---|---|---|---|---|
| Monthly | MX$10,000 | MX$193 | MX$253 | MX$9,554 |
| Per quincena | MX$5,000 | MX$97 | MX$126 | MX$4,777 |
| Weekly | MX$2,303 | MX$45 | MX$58 | MX$2,200 |
| Yearly (12 months, no aguinaldo) | MX$120,000 | MX$2,320 | MX$3,030 | MX$114,649 |
Figures use the monthly tariff in Annex 8 of the 2026 RMF, the 2026 employment subsidy and IMSS employee contributions, for a first-year employee (integration factor with 12 vacation days) outside the northern border zone. Estimate only: your payslip is what counts.
Frequently asked questions
Why does 10,000 pesos a month leave me with less than someone on the minimum wage?
Because no ISR is withheld at the minimum wage (art. 96 LISR) and the employer pays the worker’s IMSS share (art. 36 LSS). At MX$10,000 you pay MX$193 of ISR and MX$253 of IMSS, so your MX$9,554 net falls below the MX$9,582 a full minimum-wage earner keeps.
Do I get the employment subsidy on 10,000 pesos a month?
Yes. The 2026 subsidy covers monthly income up to MX$11,492.66 and is worth MX$535.65 a month, 15.02% of the monthly UMA. It is deducted from the ISR the tariff produces and cannot create a refund, so any part above your tax is simply lost.
What do I get per quincena on 10,000 pesos gross a month?
About MX$4,777 net per quincena, half of the MX$9,554 monthly net. Some payrolls use the 15-day tariff and a pro-rated subsidy for each quincena, which can shift each payment by a few pesos without changing the monthly total. Your payslip also shows the subsidy line, which is what keeps ISR so low.
Related calculators and guides
Sources
Written by Radif Partners
Publisher of calculators and practical guides · ISR, IMSS and Mexican labour-law benefits
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Rates 2026, checked on