Spain Net Salary Calculator
In Spain the gross salary loses two things before it reaches the bank: the employee's Social Security contributions (about 6.5%) and the IRPF income tax withholding, a rate that depends on the salary and the family. Type the gross annual salary, the number of payments and your family situation, and see the net pay per month and per year, with the withholding rate calculated the way the Spanish Tax Agency (AEAT) does it in 2026.
- Free
- No sign-up
- Runs in your browser
Someone shared this result with you. It was made with Spain Net Salary Calculator, free on VISU, no sign-up.
Result
Type your gross annual salary to see your net pay.
Estimate. Not covered: disability, parents or grandparents in your care, alimony, a home loan from before 2013, irregular income, the Basque Country, Navarre, Ceuta, Melilla and La Palma. The annual tax return settles the final IRPF.
How the net salary is calculated
Social Security
The employee pays 4.70% common contingencies, 1.55% unemployment (1.60% on temporary contracts), 0.10% vocational training and 0.15% MEI (Orden PJC/297/2026). The monthly base is the annual gross ÷ 12, extra payments spread, up to 5,101.20 euros. Above that, a small solidarity contribution: 0.19%, 0.21% and 0.24% by bands.
Withholding base
Gross minus contributions minus 2,000 euros of general expenses (4,000 if you moved town for the job), minus the work income reduction of up to 7,302 euros for net income up to 19,747.50, minus 600 with more than two children.
Personal and family allowance
5,550 euros for you (+1,150 from 65, +1,400 more from 75), 2,400, 2,700, 4,000 and 4,500 for the first, second, third and following children, +2,800 for each child under 3. Halved when shared with the other parent.
The rate
The 2026 scale (19% to 47%) is applied to the base and to the allowance; the difference is the annual tax. Divided by the gross salary and cut to two decimals it is the withholding rate. Low salaries pay nothing up to a limit (15,876 euros single without children) and the tax never exceeds 43% of what passes that limit.
The same AEAT method
These steps are the AEAT 2026 algorithm. For the cases this page takes, the rate was checked against the AEAT calculation service, case by case. The withholding does not depend on the region, except in the Basque Country and Navarre, which have their own rules.
What this leaves out
Disability, ascendants, alimony, home loans, irregular income, special regimes and the annual return: the final IRPF of the year comes from the tax return, where regional rates and deductions apply.
Formulas
- Social Security base
- gross ÷ 12, at most 5,101.20 a month
- Social Security
- base × (4.70% + 1.55% + 0.10% + 0.15%), plus solidarity above the maximum
- Withholding base
- gross - contributions - 2,000 - work reduction - 600 with 3+ children
- Annual IRPF
- scale(base) - scale(personal and family allowance)
- Rate
- annual IRPF ÷ gross × 100, cut to 2 decimals
- Net per payment
- gross ÷ payments - Social Security - IRPF of that payment
Sources (read on 16 October 2026)
Official Spanish sources, in Spanish.
- AEAT: Algoritmo de cálculo del tipo de retención a cuenta del IRPF 2026 (versión del 10/09/2026)
- BOE: Orden PJC/297/2026, de 30 de marzo, normas de cotización a la Seguridad Social para 2026
- BOE: Ley 35/2006 del IRPF (texto consolidado)
- BOE: Reglamento del IRPF, Real Decreto 439/2007 (texto consolidado)
Your salary has a ceiling. Your attention can add a little.
On VISU you collect VISU Credits for the missions and ads you choose to see. No payslip and no withholding: your attention counts.
Create your free accountHow the attention economy worksHow to use it
- Type the gross annual salary of your contract.
- Choose 12 or 14 payments and your family situation, and add your children.
- Open the optional block for a temporary contract, your age, a shared children allowance or a move for the job.
- Read the net per payment, the IRPF rate and each step. Download the card or copy the result.
Examples
30,000 euros gross, 14 payments, single without children
Social Security 162.50 a month (1,950.00 a year). Withholding base 26,050.00, rate 16.42%: IRPF 4,926.00 a year. Net 1,628.50 in each monthly payment, 1,791.00 in each extra payment, 23,124.00 a year.
24,000 euros gross, 14 payments, one child shared with the other parent
Social Security 130.00 a month. Allowance 5,550 + 1,200 = 6,750.00, rate 12.56%: IRPF 3,014.40 a year. Net 1,368.98 a month, 1,498.98 in each extra payment, 19,425.60 a year.
45,000 euros gross, 14 payments, temporary contract
Unemployment at 1.60%: Social Security 245.63 a month. Rate 21.03%: IRPF 9,463.50 a year. Net 2,292.69 a month, 2,538.32 in each extra payment, 32,588.94 a year.
Add this tool to your site
Put this tool on your blog, store or club site. It runs inside your page, free, with no account, and a small "by VISU" credit line under it.
Questions
How much is a net salary of 30,000 euros in Spain?
For a single person without children in 2026, about 23,124 euros a year: 1,628.50 in each of 14 payments plus the difference in the two extra ones (1,791.00), or 1,927.00 a month in 12 payments. The IRPF rate is 16.42%.
Why is my rate different from my colleague's?
The rate depends on the gross salary, the children, the age, the family situation and the contract. Two people with the same salary can have different rates, and the employer recalculates it when something changes.
12 or 14 payments: do I earn more with one of them?
No. The year is the same: in 12 payments the extra ones are spread over the months. Only the amount of each payment changes.
Does the region change the withholding?
No, the AEAT withholding uses the same scale everywhere except the Basque Country and Navarre. Regional rates show up in the annual tax return.
What is the MEI on my payslip?
The Intergenerational Equity Mechanism, a Social Security contribution for pensions: 0.90% in 2026, of which the employee pays 0.15%.
Is this the exact net I will get?
It is an estimate with the 2026 rules. Bonuses, overtime, benefits in kind or a different rate asked on form 145 change it. Your numbers stay in your browser: nothing is uploaded or saved.