Income Tax

IRPEF 2025: Understanding Italy’s Personal Income Tax Brackets

For anyone living, working, or investing in Italy, understanding the IRPEF (Imposta sul Reddito delle Persone Fisiche) is key to tax compliance. As Italy’s principal personal income tax, IRPEF affects most residents and many non-residents. In this guide, we'll break down the latest IRPEF brackets for 2025, who qualifies as a tax resident, how the progressive system works, and what you need to know to file correctly—with special tips for expats, foreign nationals, and international property owners.

Who Qualifies as a Tax Resident in Italy?

Italy determines tax residence based on both legal and factual criteria. You are considered a tax resident of Italy if, for more than half of the year (at least 183 days in a 12-month period), you meet any of the following:

  • Are registered in the Italian resident population registry (anagrafe)
  • Have your habitual abode in Italy (your main home or ordinary place of living)
  • Have the center of your vital interests—meaning your personal, family, or economic ties—based in Italy

Being recognized as a tax resident means you are subject to taxation on your worldwide income. In contrast, non-residents are taxed in Italy only on income earned from Italian sources (such as property rental income, Italian pensions, or employment in Italy).

What Types of Income Are Subject to IRPEF?

IRPEF is a comprehensive tax that applies to a wide range of income categories, including:

  • Employment income (wages, salaries, bonuses)
  • Self-employment income (if you are a freelancer, consultant, or work with partita IVA)
  • Business or entrepreneurial income
  • Pension income (whether state or private)
  • Real estate income (e.g., rental income from Italian property)
  • Investment income and certain capital gains

Your total taxable income is calculated by adding up these sources and then subtracting allowable deductions and credits (for things like dependents, medical expenses, and certain work-related costs).

IRPEF 2025 Income Brackets and Rates

For the 2025 tax year onwards, Italy has streamlined the IRPEF structure to three main brackets, making calculations simpler but ensuring a progressive system. The three brackets are:

  • Up to €28,000: 23%
  • €28,001 – €50,000: 35%
  • Over €50,000: 43%

Importantly, due to deductions and credits, individuals with taxable income below €12,000 typically owe little to no IRPEF. For employees and certain lower-income individuals, extra credits—such as the “Trattamento Integrativo”—may further reduce tax liability.

How Italy’s Progressive IRPEF System Works: A Practical Example

Suppose you are an Italian tax resident with a taxable income of €60,000 in 2025. Here’s how IRPEF is calculated step by step using the progressive bracket system:

  • First €28,000 is taxed at 23%: €28,000 × 0.23 = €6,440
  • Next €22,000 (from €28,001 to €50,000) is taxed at 35%: €22,000 × 0.35 = €7,700
  • Remaining €10,000 (from €50,001 to €60,000) is taxed at 43%: €10,000 × 0.43 = €4,300

Total IRPEF owed: €6,440 + €7,700 + €4,300 = €18,440

This method ensures that only the income within each bracket is taxed at that bracket’s rate—your entire income is not taxed at the highest rate you reach.

Additional Local Taxes: Regional and Municipal Surtaxes

In addition to national IRPEF, taxpayers are also subject to two local surtaxes:

  • Regional tax (Addizionale Regionale): usually between 1.23% and 3.33%, depending on the region where you reside or where income is sourced
  • Municipal tax (Addizionale Comunale): up to 0.9%, depending on the municipality (comune)

These taxes are calculated on the same taxable base as IRPEF and will increase your overall tax bill. They vary widely, so it’s vital to check the specific rates in your area or where your Italian property is located.

Filing, Reporting, and Key Compliance Tips

All Italian tax residents must report their worldwide income in their annual tax return—generally using the Modello 730 (for employees and pensioners) or the Modello Redditi PF (for self-employed, property owners, and those with complex income situations). If you only have income from a single Italian employer under certain thresholds, you might be exempt from filing, but this is not universal.

Timely and accurate reporting is required. Failure to report foreign assets or income can result in significant penalties. Allowable deductions and tax credits, including those for dependents, education, healthcare expenses, and certain work costs, can reduce your effective liability—so careful attention to every deduction and credit is recommended.

Where IRPEF Fits in Italy’s Broader Tax Regime

IRPEF is the foundation of personal income taxation in Italy. For many, it is accompanied by local taxes, and for select individuals—such as foreign retirees, new residents, and certain self-employed persons—there are alternative tax regimes available. Notable options include:

  • The “flat tax” for foreign pensioners (7% regime in some southern regions)
  • The impatriate regime (special reductions for new residents working in Italy)
  • The “regime forfettario” for small businesses and freelancers with low turnover

Each special regime has specific entry requirements, and selecting the right one can have a major impact on your total tax due.

Simplify Your IRPEF Compliance with ItalianTaxes.com

Whether you’re a foreigner newly tax-resident in Italy, a landlord with rental earnings, a freelancer, or an expat with worldwide income to declare, staying compliant with IRPEF and local taxes is essential. ItalianTaxes.com provides a technology-driven, reliable, and paperless solution to help you file your Italian taxes online, ensuring full compliance—no matter where you are in the world. Our secure platform guides you through every step, from entering your income details to calculating the right deductions and credits.

Ready to tackle your Italian income tax return with clarity and confidence? Start your streamlined IRPEF filing today with ItalianTaxes.com and experience the easiest way to stay compliant in Italy’s tax system!

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