Spain net salary calculator 2026

Spain net salary calculator: what it is and how it works

In Spain, your gross salary is the figure in your contract and your net salary is what reaches your bank account. Two deductions sit in between. The first is your Social Security contribution: in 2026, 4.70 % for common contingencies, 0.15 % for the intergenerational equity mechanism (MEI), 0.10 % for vocational training and 1.55 % for unemployment (1.60 % on temporary contracts), on a base capped at €5,101.20 a month. Above that cap a small solidarity contribution also applies.

The second is IRPF withholding (Spanish income tax), which your employer calculates with the Tax Agency’s general procedure: it subtracts Social Security, €2,000 of expenses and, on lower salaries, an earned-income reduction; applies the withholding scale; and deducts the part matching your personal and family allowance, which depends on your children, age or disability. This calculator follows that procedure with 2026 figures for the common tax territory; it does not apply to the Basque Country or Navarre.

How to use it

1. Enter your gross annual salary and choose 12 or 14 payments.
2. Enter your contract type and family situation: children, age, disability and dependent parents.
3. See your net pay per payment, net annual salary and the Social Security and IRPF breakdown.

Worked example

With a gross salary of €30,000 a year in 14 payments, a permanent contract and no children, Social Security is €1,950 and IRPF withholding is 16.42 % (€4,926). Net annual pay is €23,124: €1,651.71 in each of 14 payments, or €1,927 a month over 12.