What is my net salary in Portugal in 2026?
| Segurança Social (11%) | − €165.00 |
| IRS withholding | − €168.17 |
| Per year, with holiday and Christmas pay (14 payments) | €16,336 |
You take home per monthSegurança Social (11%)IRS withholding
In November 2026, withholding is cut in half: you get about €1,250.92 that month.
Mainland Portugal: income tax is lower in the Azores and Madeira · Figures checked in October 2026 · See assumptions ↓
How it was calculated
Gross salary minus 11% for Segurança Social (social security) and minus IRS (income tax) withholding from the official 2026 table (Table I, II or III depending on your family situation, mainland).
Withholding is an advance payment: your final IRS is settled in the annual tax return. It does not cover disability or the Autonomous Regions. With IRS Jovem, withholding is worked out on your whole salary and applied only to the non-exempt part.
Example: you earn €1,200 gross a month, you are married, you both have income and you have one child. You get an €8 daily meal allowance on a card. Segurança Social takes €132 and IRS withholding takes €74.79. The 22 days of meal allowance add up to €176 tax-free, because they stay below €10.46 a day. You take home €1,169.21 a month. In November 2026, with withholding halved, you get about €1,206.61.
The halved withholding in November 2026 applies only on the mainland and not to salaries above €20,221. Meal allowance is tax-free up to €6.15 a day in cash or €10.46 on a meal card; anything above pays IRS and Segurança Social.
Figures checked in October 2026 · Sources: Despacho 233-A/2026 (tabelas de retenção), Portal das Finanças, Segurança Social
Estimate: An approximate result that depends on assumptions. Confirm important figures with the relevant authority.
Frequently asked questions
How much do I pay to Segurança Social?
11% of gross salary, if you are an employee.
Up to what salary is there no IRS withholding in 2026?
Up to €920 gross a month, the minimum wage, there is no withholding.
What is the net minimum wage in Portugal in 2026?
The minimum wage is €920 gross a month. 11% goes to Segurança Social, which is €101.20, and there is no IRS withholding. You take home €818.80 a month, 14 times a year.
What is the difference between withholding tables I, II and III?
Table I is for people who are not married and have no dependants, and for married couples where both have income. Table II is for people who are not married and have dependants. Table III is for married couples where only one has income.
Are holiday and Christmas pay taxed too?
Yes. Each payment has 11% Segurança Social deducted and its own IRS withholding. That withholding is worked out on the allowance alone, without adding it to the salary of the month it is paid in.