Take-home pay in Italy
Net in your account
€2,169a month
€26,032 a year
from €35,000 gross
What happens to your €35,000?
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Full calculation and sources
- Gross salary€35,000
Tax & contributions− €5,751
- After tax & contributions€29,249
Mandatory pension− €3,217
- Net in your account€26,032
The answer rests on
Your assumptions
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What this calculator measures
The figure is what reaches your account after the employee INPS contribution, IRPEF and the two surcharges — the addizionale regionale and the addizionale comunale — on the RAL you enter, the annual gross that already includes the tredicesima. It applies the employment tax deduction for a full-year permanent contract and assumes salary is your only income. The two surcharges depend on where you live, so choose your comune.
What you receive now, and what accrues
The INPS pension contribution builds your own contribution record, and the pension it pays is calculated from it, so it appears as pension accruing beside the figure, never inside it. TFR, the severance your employer sets aside each year, is not modelled; if you pay into a supplementary pension fund, enter your contribution and it accrues too.
What this result assumes
- Single, no dependants
- Resident in Italy for the whole year
- Private-sector employee (lavoratore dipendente)
- Permanent, full-year contract (tempo indeterminato)
- Salary is the only income
- First insured on or after 1 January 1996, so the contribution ceiling applies
- The salary entered is the annual RAL, including the tredicesima
What this model does not cover (14)
- EVERYTHING that matters about correctness: no official case checks this country. The parameters are sourced; the calculation joining them is checked by nobody outside this repository, and the result says so at every salary.
- NO ITALIAN AUTHORITY PUBLISHES A NET-PAY CALCULATOR THAT CAN BE DRIVEN. This was established rather than assumed. The Dipartimento delle Finanze's simulatore dell'addizionale comunale is reachable only through portalefederalismofiscale.gov.it behind an area riservata; INPS's public simulators cover domestic workers, loans and pensions, not employee net pay; the Agenzia delle Entrate publishes formulas and tables but no calculator. There is no Italian equivalent of the DGFiP simulateur or Skatteetaten's calculator to harvest.
- NOR IS THERE A WORKED EXAMPLE AT 2026 VALUES YET. AdE's example-heavy documents run a year behind: the 730/2026 istruzioni and circolare 4/2025 both work in 2025 rules, and circolare 2/E of 2026 covers only the two new substitute taxes. Worked examples at 2026 rates arrive with the 730/2027 istruzioni, which is the named upgrade path.
- The 9,19 per cent employee IVS rate rests on an INPS circolare from 2010. It is the correct rate for a private-sector employee and nothing since has changed it, but it is the oldest source here, and INPS's current portal serves its circolari through JavaScript that returns navigation to every fetch.
- The aliquota aggiuntiva of 1 per cent is applied to the annual excess over 56.224 euro. INPS applies it month by month against 4.685 euro - the criterio della mensilizzazione - so for pay that is level across twelve months the two agree exactly and for pay that is not, they do not. Nothing here models an uneven year.
- The massimale of 122.295 euro is applied unconditionally. It is correct only for workers first insured on or after 1 January 1996; someone with contributions before then has no ceiling, and above about 122.000 euro of gross this engine understates their contributions and overstates their net.
- The CIGS contribution of 0,30 per cent, which INPS lists among the contributi a carico del lavoratore, is not charged. It depends on the employer's sector and headcount, which are not asked.
- TFR - trattamento di fine rapporto - is neither shown nor accrued. It is roughly a thirteenth of annual pay set aside each year and is a real part of Italian compensation, and modelling it would need a decision about whether it is spendable or accruing that this engine has not taken.
- The addizionali are charged for the whole year at the selected locality's rates. Italy charges the regionale on residence at 1 January and the comunale in acconto and saldo across two years; someone who moves mid-year pays a split neither of which this models.
- The two legge di bilancio 2026 substitute taxes - 5 per cent on contractual pay increases and 15 per cent on night, holiday and shift premiums - are not modelled, because both need a breakdown of pay this engine does not ask for.
- Detrazioni for a spouse, children or other dependants are not modelled; the household is single. Nor are any oneri detraibili, which is also why the 440 euro sterilisation above 200.000 euro has nothing to reduce.
- The regime impatriati's residence conditions are asked as two questions, and its other requirements are not checked: the commitment to remain resident four years, the requirement to work mostly in Italy, the six or seven year variant where the employer is the same or in the same group, and the de minimis limits of regulation (UE) 2023/2831.
- 3.680 comuni levy a soglia di esenzione that this engine reads from the Ministry's tables, and three comuni levy exemptions it deliberately does not model because they depend on household size, an ISEE certificate or being a pensioner: Piacenza, Lecce and Acerra. Acerra's separate employee exemption IS applied.
- Pension contributions are modelled as reducing the taxable base but no case exercises one, so coversPension is false.
Sources for Italy
The rules this page is built from, at the bodies that set them. Every figure in the breakdown above also opens its own source.
How this is worked out
Has this been checked against an official calculator?
No. Italy's figures come from the rates, thresholds and deductions the Agenzia delle Entrate, INPS and the Dipartimento delle Finanze publish, but no official case has been collected to check the result against. The page says so beside the figure.
Should I multiply my monthly pay by thirteen?
No. Enter the RAL, the retribuzione annua lorda, which already includes the tredicesima and any quattordicesima your collective agreement provides.
Why does the comune change the result?
Because the regional and municipal surcharges are set locally and charged on your taxable income. Some comuni exempt income below a threshold, and above it the surcharge applies to the whole income.
Is the monthly figure a payslip prediction?
It is one twelfth of the annual net amount. Actual monthly payroll can vary with holiday allowance, bonuses and withholding rounding.
Does the city change the tax?
It depends on the country. Where a region, canton or municipality sets part of the income tax, the place you choose changes the result, and the picker offers those places for that reason. Where income tax is set nationally, the city makes no difference to the payroll figure.
Can I use this for self-employment or part-year residence?
Those cases are not modelled. The answer assumes an employee resident for the whole year, and each country's page lists the rest of what it assumes.
Found something wrong?
Tell us which number and we will check it against the source.