Ecuador Net Salary Calculator 2026 (Rol de Pagos): IESS and Income Tax

Work out your net salary in Ecuador for 2026: IESS 9.45%, monthly income tax withholding with the personal expenses rebate, reserve funds and the décimos.

Net pay per month
—IESS personal (9.45%)
—Income tax withheld
—Fondos de reserva (8.33%)
—Décimo tercero (monthly)
—Décimo cuarto (monthly)
—Income tax for the year
—Personal expenses rebate
—Employer IESS (12.15%)
—Employer's monthly cost (with décimos and vacation)

Withholding is projected for the whole year from this month's salary, as employers do. Loans, IESS quirografario and other discounts are not included.

What it does

In Ecuador the employer deducts 9.45% of the salary for the IESS social security and withholds income tax each month, projecting the year's taxable income (salary minus IESS) on the SRI table and subtracting the rebate for personal expenses. After the first year the worker also receives the fondos de reserva, 8.33% of the salary, monthly or deposited at the IESS. The décimo tercero and décimo cuarto can be paid once a year or in twelve monthly parts. The employer pays 11.15% to the IESS plus 0.5% IECE and 0.5% SECAP.

How to use it

  1. Type your monthly salary and any other taxable income.
  2. Add dependents and personal expenses, and mark the fondos de reserva and monthly décimos if they apply.
  3. Read the net pay, each deduction and the employer's cost.

The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.

Frequently asked questions

How much is USD 1,500 a month after deductions?
IESS takes USD 141.75 and income tax about USD 20.17 a month, so you receive USD 1,338.08, before fondos de reserva and décimos.

And USD 2,500 with one dependent, USD 5,000 of expenses, fondos and monthly décimos?
The rebate of USD 900 lowers the tax to USD 48.48 a month; with fondos (USD 208.25) and décimos (USD 208.33 and USD 40.17) you receive USD 2,672.02.

Does the basic salary pay income tax?
No. The 2026 basic salary of USD 482 only pays IESS (USD 45.55); income tax starts above USD 12,208 a year.

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