Salary Calculator Spain
Enter your gross annual salary and get your 2026 take-home pay: how much goes to income tax (IRPF), how much to Social Security and what's left in each payment.
Results are estimates. Solvemis accepts no responsibility for the results obtained or for how they are used. Always double-check the result and talk to a qualified professional before making decisions.
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How it works
How to use it
- Enter your gross annual salary, the one in your contract. Both 30,000 and 30000 work.
- Choose 12 or 14 payments and the contract type.
- Enter your age and the children under 25 who live with you. If they also count on the other parent's payslip, tick the box.
- You'll see the monthly net and, with 14 payments, each extra payment, as well as what goes to Social Security and income tax.
How it is calculated
Income tax withholding is calculated with the official algorithm the Spanish Tax Agency publishes for 2026, step by step: net income, deductible expenses, earned income reduction, withholding scale, personal and family allowance, exemption thresholds and the 43 % cap. Contributions are the employee's under the General Scheme according to the 2026 contribution order.
Net = Gross − Social Security − Income tax withheld
Sources
- Algoritmo de cálculo del tipo de retención del IRPF 2026 (desde el 10 de septiembre) — Agencia Tributaria
- Retenciones: documentación y servicio de cálculo — Agencia Tributaria
- Orden PJC/297/2026, normas de cotización a la Seguridad Social para 2026 — Boletín Oficial del Estado
- Bases y tipos de cotización 2026 — Seguridad Social
- Ley 35/2006 del Impuesto sobre la Renta de las Personas Físicas (texto consolidado) — Boletín Oficial del Estado
About this calculator
Where the calculation comes from
This calculator doesn’t approximate: it applies the Spanish Tax Agency’s official withholding algorithm for 2026, the same document payroll software follows, and the Social Security contribution rates published in the BOE (Order PJC/297/2026). Every result is checked against cases worked out by hand from those documents.
First, Social Security
In 2026, an employee on a permanent contract pays 6.50 % of their contribution base:
| Item | Employee |
|---|---|
| Common contingencies | 4.70 % |
| Unemployment | 1.55 % (1.60 % on a temporary contract) |
| Vocational training | 0.10 % |
| Intergenerational Equity Mechanism | 0.15 % |
The base is capped at 5,101.20 € a month. Above that figure, about 61,214 € gross a year, you stop paying the general rate. Since 2025 there’s also a solidarity contribution on the amount above the cap, but it’s small for the employee: between 0.19 % and 0.24 % of that excess.
Then, income tax (IRPF)
Social Security and 2,000 € of deductible expenses, which apply to every employee, are subtracted from gross pay. If the resulting income is low, an earned income reduction of up to 7,302 € is also subtracted, phasing out gradually up to 19,747.50 €.
The withholding scale is applied to what remains:
| Base | Rate |
|---|---|
| Up to 12,450 € | 19 % |
| 12,450 – 20,200 € | 24 % |
| 20,200 – 35,200 € | 30 % |
| 35,200 – 60,000 € | 37 % |
| 60,000 – 300,000 € | 45 % |
| Over 300,000 € | 47 % |
Each bracket taxes only the part of your salary that falls within it. That’s why moving up a bracket never means taking home less: if you cross the 20,200 € threshold, the 30 % only applies to the amount above it.
The same scale applied to your personal and family allowance is then deducted: 5,550 € in general, more if you’re 65 or 75, and more for each child (2,400 € for the first, 2,700 € for the second, 4,000 € for the third and 4,500 € from the fourth). If the children also count on the other parent’s payslip, each applies half. With more than two children there’s an additional 600 € reduction.
Extra payments
With 14 payments, the annual net is the same as with 12. What changes is how it’s spread: Social Security is deducted over the twelve monthly payments, with the extras already pro-rated, so each net extra payment is a little larger than a monthly one. The calculator shows you both figures.
What it doesn’t cover
To avoid promising accuracy it can’t have, these cases are left out:
- The Basque Country and Navarre, which have their own regional income tax.
- Ceuta, Melilla and La Palma, with specific withholding reductions.
- Disability, children under 3 (they add 2,800 € to the allowance), dependent parents, geographical mobility and the deduction for a main home bought before 2013.
- Special family situations: single-parent families or a dependent spouse earning under 1,500 €, which only change the result on low salaries.
For the exact figure in those cases, the reference is the Tax Agency’s own withholding simulator.
Frequently asked questions
Why doesn't my payslip match this calculation to the cent?
The calculator applies the Spanish Tax Agency's official withholding algorithm, but with the data it asks for. If you have a disability, children under 3, dependent parents, geographical mobility or a pre-2013 mortgage with a deduction, your real withholding will be a little different. Also if your employer pays contributions on a base different from your pro-rated salary.
Does being paid in 12 or 14 payments change what I earn per year?
No. The annual net is exactly the same. With 14 payments, each monthly payment is smaller and the two extra payments are a little bigger than a monthly one, because they carry no Social Security deduction: that contribution is already spread over the twelve months.
Does the autonomous community affect my payslip?
Not the payslip withholding: the Tax Agency uses a single scale for the whole common territory. The community does count in the annual tax return, which is where the amount withheld is adjusted. That's why, depending on where you live, the return may result in a refund or a payment. The Basque Country and Navarre have their own system, which this calculator doesn't cover.
What is the withholding rate?
It's the percentage of your gross pay that your employer withholds each month on account of income tax. It isn't the highest bracket you reach: at 30,000 € you reach the 30 % bracket, but your withholding rate is around 16 %, because each bracket only taxes the part of your salary that falls within it.
Why is nothing withheld on a low salary?
Below a threshold there's no withholding. In 2026 it's 15,876 € gross a year with no children, 16,342 € with one and 16,867 € with two or more, in the general family situation. Just above that threshold, withholding is capped at 43 % of the excess so that earning one more euro never leaves you with less net pay.
Updated 30 September 2026
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