When the national minimum wage is the main source of income, which in 2025 corresponds to € 855, managing all expenses becomes a challenge. However, there are legal support that can reduce monthly charges, from tax exemptions to social tariffs.
According to the ekonomist, knowing these mechanisms makes a difference in the family budget.
IRS and IMI exemption
According to the same source, those who only earn the minimum wage are covered by the minimum of existence (12 180 € annually), being dispensed with retention at the source of IRS.
If you have your own and permanent housing, you can also benefit from IMI exemption, provided that gross aggregate yield does not exceed 2.3 times the annual value of IAS (about 16 800 €) and the global property value of real estate is below 10 times the IAS.
Family allowance and school social action
Family allowance is attributed according to aggregate income. Families at the lower levels receive higher values and may have marketing for monoparentality or number of children.
School social action includes support in food, material and study visits to students of the most needy aggregates.
Social tariffs in essential services
The social tariff of electricity is automatically assigned to aggregates with annual yield up to 6 272.64 €. The social tariff of water depends on the municipality, but follows similar criteria.
For the internet, there is a social package of 6.15 € monthly, suitable for eligible aggregates.
We recommend:
Exemption from moderating rates and legal protection
Aggregates in economic insufficiency, with average monthly yield per person up to € 720.65, are exempt from moderating rates in the NHS.
They may also request legal protection, obtaining free legal aid or free legal consultation.
Prenatal allowance and extraordinary support
Pregnant women with income within the 4th level of family allowance can, from the 13th week, require prenatal allowance.
Extraordinary support for the most vulnerable families (360 € per year, paid in quarterly installments) is addressed to those who receive the social energy tariff or minimal social benefits.
Simulators and Applications Online
It recalls that many supports are automatic, but others require request. On the Social Security Platform there are simulators to verify eligibility and submit applications.
Relevant aids
Although there is no specific subsidy for those who receive the minimum wage, the combination of tax exemptions, social tariffs and family supports may represent a relevant savings.
It is worth reviewing the criteria regularly and ensuring that no benefit is lost due to lack of information.
Read more:
