What NASpI Is and How It Works in 2026
NASpI stands for "Nuova Assicurazione Sociale per l'Impiego" (New Social Insurance for Employment) and is the unemployment benefit that replaced the old "mobilità" scheme. It is a key social safety net for employees who lose their job involuntarily. In 2026, NASpI remains a vital instrument of financial protection during periods of employment transition.
Unlike short-time work allowances ("cassa integrazione"), which are tied to the continuation of an employment relationship, NASpI kicks in when the relationship ends for good. The benefit is paid monthly by INPS to workers who are involuntarily unemployed, helping them stay financially afloat while they look for a new job.
In 2026 the NASpI calculation has been fine-tuned to reflect the ISTAT inflation adjustments. It is therefore essential to understand how the new system works in order to know exactly what you are entitled to.
Eligibility Requirements for NASpI in 2026
Not every unemployed worker qualifies for NASpI. There are specific requirements that must all be met at the same time:
- Involuntary loss of employment: Unemployment must result from a dismissal, resignation for just cause, or a mutually agreed termination.
- Unemployed status: The worker must currently be unemployed.
- 13 weeks of contributions: At least 13 weeks of contributions in the last 4 years are required.
- 30 days of work in the last 12 months: At least 30 days of work must have been performed in the previous 12 months.
- INPS registration: The worker must be registered with INPS as an insured employee.
- Citizenship or legal residency: Italian or EU citizenship, or a valid residence permit, is required.
How the NASpI Amount Is Calculated
The Basic Calculation Formula
The monthly NASpI amount is worked out by taking the average monthly pay over the last 4 years of work, applying 80% of that pay, with a progressive 3% reduction after the first 6 months.
2026 Caps
For 2026, the indicative cap is around €1,400–1,450 per month. Even if the average-pay calculation comes out higher, the amount is capped at this ceiling.
NASpI Duration and the Progressive Reduction
How the Duration Is Calculated
As a general rule, every 4 weeks of contributions corresponds to 1 week of benefit. With more than 6 years of contributions, you can receive up to 12 months of benefit.
The 3% Reduction After the First 6 Months
After the first 6 months the amount is reduced by 3% for each subsequent month, an incentive to return to work.
Practical Examples: NASpI Calculation at Different Pay Levels
Example 1: Average Pay of €1,500 Net
With an average gross monthly pay of €2,000: 80% = €1,600, capped at €1,400. With more than 6 years of contributions: 12-month duration. Total received: about €15,961.
Example 2: Lower Pay of €1,000 Net
With an average gross monthly pay of €1,300: 80% = €1,040. With 2 years of contributions: 3-month duration. Total received: €3,120.
Comparison Table: NASpI at Different Pay Levels
| Average Gross Pay | 80% of Pay | Monthly NASpI Amount | Duration (6+ years) | Total First Six Months |
|---|---|---|---|---|
| €1,200 | €960 | €960 | 12 months | €5,760 |
| €1,800 | €1,440 | €1,400 (cap) | 12 months | €8,400 |
| €2,500 | €2,000 | €1,400 (cap) | 12 months | €8,400 |
| €3,500 | €2,800 | €1,400 (cap) | 12 months | €8,400 |
How to Apply for NASpI: The INPS Procedure
To apply for NASpI, log in to the INPS portal with SPID, CIE or CNS. Fill in the form with your personal details, the date you lost your job, the reason for unemployment and your IBAN. INPS will check the requirements automatically. Alternatively, you can go through a "patronato" or a CAF tax-assistance centre.
Combining NASpI with Other Sources of Income
NASpI and Part-Time Work
You can keep receiving NASpI while working part-time, as long as your income stays under certain limits.
NASpI and Self-Employment (VAT Number)
Opening a VAT number suspends NASpI. If you are interested in income from a VAT number, take a look at our guide to calculating net income for a VAT number in 2026.
NASpI and Pension Benefits
If you have reached retirement age, NASpI is generally not compatible. Have a look at our guide to retirement age in 2026.
NASpI and TFR: How to Handle Them
The TFR (severance pay) is paid in full when you lose your job, regardless of NASpI. The two amounts can be combined. Find out more in our complete guide to calculating TFR.
Use the Online NASpI Calculator
Use our free online NASpI calculator to simulate the amount and duration. It is one of our most popular financial calculators.
Frequently Asked Questions (FAQ) on NASpI 2026
How Long Does It Take to Receive NASpI?
Around 15–20 days for the checks, with the first payment within 30–40 days of the application.
Is NASpI Subject to Tax?
Yes, it is taxable income that must be reported on the 730 tax return.
What Is the Deadline for Submitting the Application?
Within 68 days from the end of the employment relationship.
What Happens if I Find a Job Before the Benefit Ends?
NASpI stops automatically when you start a new full-time job.
NASpI 2026: What's New?
The main changes concern the update of the caps in line with ISTAT indices.
Conclusion
NASpI is a fundamental social-protection tool. In 2026, with the updated parameters, it is essential to have accurate information. Use our free online NASpI calculator for a quick and reliable estimate.