Enter the gross monthly pension, before any deduction.

IRS withheld per month
€151.54
Net pension per month
€1,348.46
Table appliedTable 8
Top marginal rate24.10%
Deductible portion€209.96
Added for dependants€0.00
Effective withholding rate10.10%
The same amount as salary€168.17
Annual pension (14 payments)€21,000.00
IRS withheld over the year€2,121.56
Net pension over the year€18,878.44

At this amount the pension table is gentler than the employment one: it withholds €16.63 less per month than an identical salary. The advantage reverses at around €2,681 a month.

A pension pays no Social Security, so the net above is what reaches your account. A salary would still lose 11% of employee contribution.

The year has fourteen payments, with the extra amounts in July and December. Each is withheld at the rate of an ordinary month, not at the rate of a doubled amount.

Mainland tables for 2026. Dependants only count if declared to whoever pays the pension. Left out are the additions for a dependant with a 60% or greater incapacity and for a spouse in the same situation, the option to withhold at a higher rate, the Azores and Madeira tables, maintenance payments and non-residents.

Pension Tax Withholding by Calculadora Capital