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With the recent changes to the withholding tax tables for 2025, many workers in Portugal are wondering about the impact on their monthly net salary. These changes aim to adjust the IR ranges and increase the minimum wage, reflecting the commitments made in the State Budget for 2025. Find out here the impact of these changes and learn how to calculate your net salary.
Before moving on to the calculation, it is important to understand some of the changes that came into force in 2025:
- Update of IRS levels: step limits were revised to accommodate salary increases and mitigate the impact of inflation;
- Increase in the minimum existence: the minimum amount of income exempt from IRS was raised to €12,180, ensuring that workers with lower incomes are exempt from tax up to this amount;
- Increase in the national minimum wage: the guaranteed minimum monthly remuneration increased from €820 to €870, reflecting the government’s commitment to improving workers’ salary conditions.
Practical Examples:
- Minimum Wage (€870): with the increase in the minimum wage to €870, and considering the new minimum wage, workers receiving this amount will continue to be exempt from IRS withholding tax. This means that the net salary will be equal to the gross salary, that is, R$870.
- €1,000 salary: for a gross salary of €1,000, applying the new withholding tax tables, the withholding rate will be determined based on the corresponding bracket. For an unmarried taxpayer with no dependents, with a gross salary of €1,000, the applicable withholding tax rate is 2.3%. The amount of IR withholding would be R$23.
How to calculate net salary in 2025 using the simulator
The ComparaJá simulator is an intuitive tool that allows you to calculate your net salary based on your gross salary, contractual conditions and other factors, such as Social Security deductions.
- Access the simulator: visit the official ComparaJá website and access the Net Salary Simulator.
- Enter gross salary: enter the amount of your gross monthly salary. For example, you can test with the new minimum wage (€870) or other values, such as €1,000.
- Fill in the required fields
- Number of dependents: Please indicate if you have children or other dependents, as this may reduce the withholding rate.
- Marital status: choose between single, married single holder or married two holders.
- Employment situation: specify whether you are a dependent worker, as the tables only apply to this group.
- Review automatic deductions
The simulator automatically includes:- Social Security tax of 11% on gross salary.
- IRS rate according to the most recent tables.
- Get the result
After filling in the data, the simulator will automatically calculate the net salary, informing:- How much will be deducted for Social Security.
- The amount withheld in the IRPF.
- The net total you will receive at the end of the month.
Practical examples
1. Minimum wage (€870): If you enter the minimum wage in the simulator, and assume that you have no dependents, the result will be the following:
- Discount for Social Security (11%): 95,70€.
- IRPF withholding: 0€ (exempt due to minimum existence).
- Net salary: 774,30€.
2. Salary of €1,000:
For a gross salary of €1,000, in a single worker scenario with no dependents:
- Discount for Social Security (11%): 110€.
- IRPF withholding: Around €35 (indicative values based on tables).
- Net salary: 855 €.
Advantages of the ComparaJá simulator
- Accessibility: easy to use and accessible to any worker.
- Updated: Tables reflect the most recent IRS changes for 2025.
- Customization: allows you to adapt the calculation to different family and work situations.
With the new IRS tables and salary changes for 2025, it is essential to understand how to calculate your net salary and plan your personal finances. The ComparaJá simulator is a practical and reliable tool for this purpose, offering fast and accurate results. Whatever your situation, using this simulator can help ensure you are well informed about the real impact of changes to your monthly income. Take the test and find out how much you will receive at the end of the month.
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