Italy Net Salary Calculator 2026 – Gross to Net
Convert your RAL (Reddito Annuo Lordo) – gross annual salary – to net monthly take-home pay in Italy. Our calculator uses 2026 official IRPEF rates 23%/33%/43% (second bracket cut from 35% to 33% by Budget Law 2026), INPS employee contributions 9.19% capped at €122,295, and regional (0.70%-3.33%) + municipal (0%-0.9%) surcharges. Verified from Agenzia delle Entrate, MEF, INPS.
Calculate your net salary
IRPEF 2026 • Official dataWhat is RAL vs Net Salary?
RAL is gross annual salary agreed in contract. Net is take-home after INPS, IRPEF, regional and municipal taxes. Tax wedge in Italy is 45-55% including employer contributions. Example: RAL €35,000 → net ~€24,000-€26,000 depending on region.
How INPS is Calculated
Employee IVS contribution 9.19% on gross up to massimale €122,295 (2026, L.335/1995). Employer pays ~30-31.58% extra. Taxable income = RAL - INPS. INPS is fully deductible from IRPEF base.
Example Net Salaries 2026 (Lombardy, Milano, 13 payments)
RAL €25,000
~€1,450/mo
Net 13 months
RAL €35,000 – Most searched
~€1,950/mo
Saves €330 vs 2025 due to 33%
RAL €50,000
~€2,550/mo
Max saving €440 vs 2025
Official Sources & Verification
Tax year 2026, verified 2026-09-29: Agenzia delle Entrate IRPEF, MEF Dipartimento Finanze regional/municipal, INPS Circolare 27/2026. Estimates only, not tax advice.