Spain Net Salary Calculator (2026)
From gross to net in a single figure. We break down the Social Security contributions and the IRPF (personal income tax) withholding so you can see what actually lands in your account each month.
Enter your salary to see the breakdown.
Estimate for a permanent full-time contract, with no children or other personal circumstances, paid in 12 instalments. The actual IRPF rate is set by the AEAT (the Spanish tax agency) based on your family situation and your income for the year. Not tax advice.
How it is calculated
The employee's contributions are taken from the contribution base (ceiling of €4,909.50 per month in 2026): 4.70% common contingencies, 1.55% unemployment, 0.10% vocational training and 0.13% MEI (Intergenerational Equity Mechanism).
IRPF withholding is calculated on the ANNUAL base: the year's gross pay minus Social Security, deductible expenses and the personal minimum, applying the state brackets from 19% to 47%.
Net pay is gross salary minus Social Security and withholding. Regional deductions vary by autonomous community and are not part of this state-level estimate.
Frequently asked questions
Does it include extra pay (pagas extra)?
The calculation assumes 12 instalments. If your collective agreement has 14, the monthly gross is lower and the annual withholding is spread differently, although the yearly total is similar.
Why is my actual withholding different?
The IRPF rate depends on children, disability, alimony payments, geographic mobility and your expected income for the year. Here we use the standard case with no personal circumstances.
Does a temporary contract change anything?
Yes: the unemployment rate rises to 1.60% for the employee on temporary contracts, and the employer's contribution is also higher.
Manage your team's payroll in Spain without the hassle.
Try for free