The Treasury clarified that the 2026 economic package proposal does not imply an increase in taxes for persons with savings or investment accounts in banks, since it is a scheme already provided for in the law since its origin and updated periodically.
The agency stated that the mechanism facilitates taxpayers to fulfill their fiscal obligation through partial payments, without generating additional pressure at the time of submitting their annual declaration.
Small savers with balances less than 206 thousand pesos will remain exempt and those who have annual income below 400 thousand pesos will continue with the option of not submitting a statement, he said in a statement.
He added that deductions for medical expenses, educational, mortgage interests and contributions to retirement remain in force, allowing taxpayers to have balances to
favor that can be returned by the SAT.
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He explained that the update of the withholding rate of 0.5% to 0.9% per year does not imply an increase in the tax.
With the current model, a taxpayer who has 500 thousand pesos of savings in banks, will receive 18,950 pesos of real interest in the year and will have to pay ISR for 4,737 pesos, he exemplified.
With the current retention percentage, in his annual statement the taxpayer must pay 2,237 pesos to complete his payment, which represents almost half of the total tax.
He assured that according to the existing market conditions, with the proposed rate the taxpayer, after the withholdings during the year, would have a final payment in its declaration of 237 pesos, equivalent to 5% of its total tax, but paying the same taxes.
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