Enter a gross monthly salary and the calculator applies the 2026 SRI income tax table, the 9.45% IESS employee contribution, and the 18% personal-expense deduction — capped by the basic-basket allowance for your number of dependents — to project the annual tax owed and the effective and marginal rates.

It also reproduces the progressive monthly withholding employers use in Ecuador: each month's retention is based on the income earned to date, projected across the year, so a raise or a bonus mid-year shows up the same way it would on a real payslip. The reserve fund (fondo de reserva) can be modelled as monthly, accumulated at the IESS, or not yet vested.

Built for Ecuador's 2026 tax table (Resolución NAC-DGERCGC25-00000043) and the January 2026 canasta básica familiar; the tool is in Spanish, and the figures are estimates to confirm with an accountant or the SRI.