Spain Net Salary Calculator
Spain · MoneyEstimate your monthly net salary in Spain from your gross annual salary, deducting the social security contribution and an approximate personal income tax (IRPF) withholding. The result is a rough estimate: your real paycheck depends on your personal situation, your region, and the applicable collective agreement.
How is it calculated?
Social security contribution ≈ 6.50% of the gross annual salary (the typical rate for a full-time permanent contract in 2026: 4.70% common contingencies + 1.55% unemployment + 0.10% vocational training + 0.15% from the Intergenerational Equity Mechanism, MEI — this last one rises every year until 2029, so the total percentage will change in later years). Taxable base = gross annual salary − contribution. IRPF is estimated by applying a progressive reference scale (19% up to 12,450, 24% up to 20,200, 30% up to 35,200, 37% up to 60,000, 45% up to 300,000, 47% beyond that) to the taxable base, without applying personal/family allowances or deductions. Net annual salary = gross annual salary − contribution − estimated IRPF. Net monthly pay = net annual salary ÷ number of payments.
Examples
30,000 gross/year, 14 payments
Estimated net salary: about 1,533.54/month.
45,000 gross/year, 12 payments
Estimated net salary: about 2,567.15/month.
What gets deducted from a paycheck in Spain
MEI rises every year until 2029, so the total percentage will change in later years.
| Item | Employee share |
|---|---|
| Common contingencies | 4.70% |
| Unemployment (permanent contract) | 1.55% |
| Vocational training | 0.10% |
| Intergenerational Equity Mechanism (MEI) | 0.15% |
| Total social security | 6.50% |
| IRPF | Withholding based on your personal situation and region; a reference scale is used here |
12 or 14 payments: what changes
With a gross annual salary of 30,000, the net annual salary is the same with 12 or 14 payments; what changes is how it's split. With 14 payments, the net monthly pay is 1,533.54; with 12 payments (extras prorated), 1,789.13. Social security is estimated at 1,950.00 a year and IRPF at 6,580.50. Illustrative figures.
If you leave a job, calculate the prorated unused vacation and pending extra payments with the Spain final paycheck calculator. If the job ended in a dismissal, check the compensation with the Spain severance pay calculator. If you're self-employed, this isn't the right calculator: check how much you need to bill with the billing target calculator.
Sources
- Order PJC/297/2026, of March 30 (Spanish Official Gazette, BOE) — general contribution rates for employees under a permanent contract — in effect since January 2026 · reviewed on September 27, 2026
- Spanish Tax Agency (Agencia Tributaria) — general reference scale (combined state + regional, typical values; varies by region) — in effect since January 2024 · reviewed on September 27, 2026
- Spanish Tax Agency (Agencia Tributaria) — electronic office (personal income tax, VAT, and self-employed advance payments) — in effect since January 2024 · reviewed on September 27, 2026