Italian 2026 Finance Bill – Key Tax Measures: Support for Middle and Low Incomes | Revision of IRPEF tax brackets | Abolition of reduced 21% rate on short term lettings | Baby bonus | Enhanced parental leave and nursery bonus | Social security exemption for working mothers | Increased deductions for private school expenses | Family endowment fund | First home mortgage guarantee fund | Support for food purchases | Energy-efficient appliance bonus | Cap on deductions for incomes over €75,000 | Exceptions for healthcare, mortgages, and startup investments | End of deductions for children over 30 (except disabled children) | “Hire more, pay less” tax deduction for new permanent hires | Reduced tax on productivity bonuses | Fringe benefit exemptions | Relocation support for new hires | Raised flat tax threshold for employees and pensioners | Reduced corporate tax (IRES) for reinvested profits | Tax credits for southern Italy investments | Enhanced “Nuova Sabatini” machinery financing | Support for SME stock market listings | Increased public investment in defense, infrastructure, and healthcare | Banking and Insurance | Deferred deductions for financial sector losses | Annual stamp duty on life insurance contracts

Personal Income Tax (IRPEF) Rates

These are the personal income tax rates (IRPEF – Imposta sul Reddito delle Persone Fisiche) that apply after 1 January 2024.  For applicable rates before that date please click this link.

The rates were changed by Legislative Decree no. 216/2023 published in the Official Gazette no 303 of 30 December 2023.

FY 2025 thresholds and applicable rates may be amended by the Italian FY 2026 Finance law.

The rates of IRPEF shown below and additional Regional and Municipal taxes apply to  income which is not subject to imposta sostititva (“substitute tax”).  Below the IRPEF table is a list of examples of what kinds of income/gains may be subject to substitute tax, which applies in place of the main national income, regional and municipal taxes.

FY 2024 Rates of Italian Income Tax

(based on annual income)

Bracket of Income (annual amounts)

Rate

Cumulative Tax to Top of Band

On the first € 28,000

23%

€ 6,440

Above  € 28,000 up to € 50,000

35%

€ 7,700

Over € 50,000

43%

Bracket of Income

Regional and Municipal Additional Taxes

On top of the above rates you need to add

  • the addtional municipal tax (addizionale comunale) which ranges from 0.0% to 0.9%; and the
  • additional regional tax (addizionale regionale) which varies from 0.70% to 3.33%

depending on region, municipality, brackets of income and applicable rates for the relevant tax year, which are updated from time by resolution of the Regional or Municipal authorities. The links below show the historical rates in force although extrapolating these is complex.

You can search below for your Region and Municipality (Comune) and find the applicable rates of Additional Regional and Municipal Taxes.

Searches are in the Italian language on the Italian Ministry Web Site and may not be up to date as some Regions and many Municipalities have not yet published the FY 2024 rates and bands.

Department of Finance Additional Regional Tax Rates

Department of Finance  Additional Municipal Tax Rates

Download Department of Finance  Excel Table of Additional Municipal Tax Rates 2025

Tax Deductions and Credits

There is no personal relief or general standardized deduction from income which would exempt income from tax – the rates above apply to all income received in the year. 

However Italy does have a series of specific deductions and tax credits applicable to certain types of income and costs.  Note that these deductions (with the exception of social security contributions) and tax credits are only available to reduce the liability to IRPEF, regional and municipal tax. Where a substitute tax applies most of the standard deductions and tax credits generally do not apply.

Standard Tax Credits

Relief from tax for low income earners is given via tax credit which means that the tax as calculated at the rates above is offset by the credit. wholly or partially depending on total income – the higher the total income the lower the credit. the credit available depends on type of income – income from employment, pension income and income from self employment.

Specific Deductions and Credits

See this article

Imposta Sostitutiva/Substitute Tax

The rates shown above apply only to  income which is not subject to imposta sostititva (“substitute tax”) which applies in place of the main national income, regional and municipal tax shown above. Whether substitute tax applies – and it may apply either automatically or at the option of the taxpayer –  depends on the type of income and the  applicable treatment under law.

Examples of income that are subject to tax at the scale rates shown in the above table are: 

  • income from employment
  • pension income (except for qualifying pensioners transferring residence to  the South of Italy (see below) and certain distributions from regulated Italian supplementary or complimentary pension schemes
  • business, trading or professional income otherwise than for taxpayers on the Regime Forfettario
  • rent from Italian property (where the option to substitute tax is not taken)
  • rent from non Italian property 
  • royalty income 
  • miscellaneous income
  • distributions from non- EU harmonised investment funds and ETF’s
 

Examples of income that are liable to substitute tax are:

  • income from pensions where the option to substitute tax at 7% has been taken (NB. if the option has been taken the 7% flat rate will apply to all non Italian source income).
  • foreign-source income  where election for an annual flat tax is made (HNWI regime)
  • income from investments, e.g. interest, dividends, capital gains  – generally taxed at 26% flat rate. Lower rates may apply (e.g. 12.5% to  income from qualifying Treasury bonds)
  • capital gains deriving from equity type instruments and disposals on certain financial assets (excluding gains on certain non EU harmonised investment funds and ETF’s)
  • income from self employment carried out under the Regime Forfettario
  • income for renting Italian property for the option for taxation at a flat rate of 21% on gross receipts has not been taken (cedolare secco).
  • certain distributions from  regulated Italian supplementary or complimentary pension schemes
  • income from crypto assets realised otherwise in the course of a business or deemed business (e.g. mining etc.) 
  • capital gains from foreign currency transactions where the average balance of foreign currency accounts exceeds Euro 51,645.69  (1 million lire) for at least 7 consecutive working days during the tax year
 
The substitute tax applies to investment income and rental income only where the person receiving the relevant income does not realise the income in the course of a business activity (e.g financial trading or carrying out a property letting business). 
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