Spain net salary calculator
Indicative result. Not financial advice.
How to go from gross to net
Two main deductions come out of your gross salary:
- Employee social security (6.50% in 2026): 4.70% for common contingencies, 1.55% for unemployment (1.60% on a fixed-term contract), 0.10% for vocational training and 0.15% for the Intergenerational Equity Mechanism (MEI). It is calculated up to a cap of €5,101.20 of monthly base.
- Income tax (IRPF): your salary is reduced by social security and €2,000 of deductible expenses, and low salaries get an extra reduction. The tax brackets (19%, 24%, 30%, 37%, 45% and 47%) are applied to the result, and the tax on the €5,550 personal minimum, plus minimums for children, is deducted.
Important: this is an estimate
Your real payslip can differ, for example because of:
- Your region. Each region under the common regime can set its own brackets. This tool uses the general scale. The Basque Country and Navarre have a separate foral system with different tables, so the result for them is only approximate.
- Your personal situation: spouse, disability, children under 3, payments to an ex-spouse, dependent relatives…
- Bonuses, benefits in kind or collective agreements that are taxed differently.
- Possible exemptions or yearly changes for the lowest salaries, which this calculator does not include.
The income tax figure here is the estimated withholding. The final tax is settled when you file your annual return. For your exact case, check your payslip or ask an adviser.
2026 social security and income tax data for the general regime. Indicative result, not tax advice.
Frequently asked questions
What is the difference between gross and net salary?
Gross is what your contract says before deductions. Net is what you actually receive, after social security and income tax withholding.
Why do I get less each month with 14 payments?
The annual salary is the same, but it is split into 14 payments instead of 12, so each one is smaller. With extra pay spread out you get a bit more each month, though the yearly total is the same.
Does it work for self-employed people?
No. Self-employed workers contribute under a different system, with their own fee and different taxation.