Net Salary Calculator — Spain 2025
Calculate your take-home pay from your gross annual salary. Social Security and IRPF estimates for 2025. No registration, no data sent to any server.
Salary & settings
Calculated with the standard personal minimum (€5,550), no dependants or disability. General IRPF scale (state + reference regional).
Enter your gross salary to see the result
How the calculation works
- Social Security (6.50%) — Common contingencies 4.70%, unemployment 1.55%, professional training 0.10%, MEI 0.15%.
- Deductible expenses — a general €2,000 every employee can deduct (art. 19.2.f LIRPF).
- Work income reduction — Up to €7,302 for low incomes; reduced above €14,852 and gone above €19,747.50 of net work income.
- IRPF — General IRPF scale (state + reference regional, 19%–47%) applied to the taxable base net of the personal minimum (€5,550).
- Net salary — Gross − SS − IRPF, divided by the number of payments.
Frequently asked questions
How is net salary calculated in Spain?
Net salary equals gross salary minus Social Security contributions (6.50%) and the estimated IRPF withholding. IRPF is a progressive tax based on income brackets and personal situation.
How much Social Security does an employee pay?
In 2026, employees contribute 6.50%: 4.70% for common contingencies, 1.55% for unemployment, 0.10% for professional training and 0.15% for the Intergenerational Equity Mechanism (MEI).
Is the IRPF calculation accurate?
It is an estimate using the general IRPF scale (state + reference regional band). The actual withholding may vary by autonomous community, other income sources, or additional deductions.
What is the difference between 12 and 14 payments?
The annual net total is identical. With 14 payments, bonuses in July and December are paid separately. With 12 payments, those bonuses are folded into each monthly payment, making each month higher.