Wondering what your net salary in Spain will be after tax and Social Security deductions? Our free calculator shows your exact take-home pay in seconds — enter your gross salary, contract type and personal circumstances and get a complete breakdown for 2026.
How is net salary calculated in Spain?
Your gross salary is subject to two main deductions before you receive your take-home pay. The first is the IRPF (personal income tax), which is applied on a sliding scale from 19% to 47% depending on your annual earnings and personal circumstances. The second is your Social Security contribution, which is approximately 6.35% of your gross salary and covers pension, unemployment and healthcare contributions.
The formula is: Net salary = Gross salary − IRPF − Social Security contributions. The exact IRPF rate depends on your annual gross income, number of dependants, disability status and whether you have a mortgage on your primary residence.
IRPF tax brackets in Spain for 2026
Spain uses a progressive income tax system. The first €12,450 is taxed at 19%, income between €12,450 and €20,200 at 24%, between €20,200 and €35,200 at 30%, between €35,200 and €60,000 at 37%, between €60,000 and €300,000 at 45%, and income above €300,000 at 47%. Regional governments can also add a surcharge, so the actual rate varies slightly by autonomous community.
Social Security contributions for employees
As an employee in Spain, you contribute approximately 6.35% of your gross salary to Social Security each month. This covers your general contingency contribution (4.70%), unemployment (1.55%) and vocational training (0.10%). Your employer also contributes a much larger share on your behalf — roughly 29.9% — which does not affect your take-home pay directly but is important for understanding the total cost of employment.
What deductions can reduce your IRPF?
Several personal circumstances reduce your IRPF liability. Having dependant children under 25 living at home gives you a personal allowance. Being over 65 or having a recognised disability also increases your allowance. Mortgage payments on your primary residence (purchased before 2013) may qualify for deduction. Contributions to pension plans and union fees are also deductible. Our calculator accounts for the most common deductions automatically.
Frequently asked questions
What is the difference between gross and net salary in Spain?
Gross salary is your total agreed pay before any deductions. Net salary is what you actually receive after IRPF income tax and Social Security contributions are deducted. The gap between gross and net typically ranges from 20% to 35% depending on your income level.
How much IRPF will I pay on a €30,000 gross salary?
On a €30,000 gross annual salary with no special deductions, you would pay approximately 14–16% in IRPF, equating to around €4,200–4,800 per year. Social Security contributions would be around €1,905. Your approximate monthly net would be around €1,900–2,000.
Is Social Security the same as a pension contribution?
Social Security in Spain covers several contingencies: retirement pension, unemployment, permanent disability, healthcare, maternity and paternity leave. The portion that goes towards your future pension is the general contingency contribution of 4.70%.
Does the autonomous community affect my net salary?
Yes. Spain has a split income tax system where 50% is set by the central government and 50% by the autonomous community. Regions like Madrid have lower regional rates, while others like Catalonia are higher. The differences are typically small but can amount to several hundred euros per year.
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