How to Apply for ISEE by Yourself: Complete Guide 2026
Practical guide to calculate and request your ISEE independently online with SPID. Learn how to 'fare l'ISEE da soli' (do ISEE yourself) without CAF, required documents, timeline and step-by-step procedure.
Last updated: December 8, 2025
Standard ISEE Simulator 2026
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📖 Plain Language Guide
Government info is complicated. Here's what you really need to know:
💡What is it?
Doing ISEE yourself ('fare l'ISEE da soli') means requesting the ISEE certificate directly online on the INPS website without going through a CAF or Patronato. It's completely free, convenient and you can do it from home anytime. INPS automatically pre-fills lots of data (income from Tax Agency, properties from Cadastre), you just need to verify and add banking data.
👤Who is it for?
ANYONE with SPID, CIE or CNS can do ISEE themselves online. It's particularly useful for those who: have a simple economic situation (employee, one bank account, rented house), don't want to wait for CAF appointment, want full control over their data, or want to save the €10-30 some CAFs charge.
⏰When?
You can request ISEE anytime during the year, but it's best to do it in JANUARY to immediately access annual bonuses. ISEE is valid until December 31st of the year of issue. If your economic situation changes (child birth, separation, job loss) you can request a current ISEE (ISEE corrente).
🛠️How to do it?
1. Prepare documents - CU 2025, bank statements 12/31/2024, cadastral report. 2. Use our calculator (below) to estimate your ISEE. 3. Access MyINPS with SPID/CIE. 4. Search 'ISEE precompilato' in services. 5. Fill DSU - verify pre-filled data and add missing ones (bank accounts, investments). 6. Submit - check everything as it cannot be modified. 7. Wait 10-15 days - you'll receive notification when ready. 8. Download PDF certificate from MyINPS.
⚠️Common Mistakes to Avoid
- ✗❌ Using only account BALANCE instead of AVERAGE BALANCE (Giacenza Media) - serious error!
- ✗❌ Forgetting bank accounts of minor children or joint accounts
- ✗❌ Not declaring Government Bonds thinking they're always exempt (only first €50k)
- ✗❌ Entering Cadastral Income (Rendita Catastale) instead of IMU Value
- ✗❌ Not waiting for Certificazione Unica 2025 and using 2023 data (WRONG for ISEE 2026)
- ✗❌ Submitting DSU without double-checking - after submission CANNOT modify
- ✗❌ Not adding children to household even if fiscally dependent
- ✗❌ Confusing 'ISEE household' with 'registry family' (they're different!)
Required Documents
- 1Active SPID, CIE or CNS to access INPS portal
- 2Certificazione Unica 2025 (2024 income) for all household members
- 3Bank statements as of 12/31/2024 (balance and average balance)
- 4Updated Cadastral report (if property owner)
- 5Registered rental contract (if tenant)
- 6Disability/invalidity certificates (if applicable)
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