2026 tax figures · updated September
Enter your gross annual salary and see how much you will take home each month in Spain, after income tax withholding and Social Security contributions.
| Item (per year) | Amount |
|---|
Your unemployment benefit for the first 6 months, with 2 years of contributions.
Calculate your benefit →What your employer owes you when your contract ends, by reason.
Calculate your settlement →Compare two offers including remote days, commuting and benefits.
Compare offers →These are the steps of the official Spanish Tax Agency (Agencia Tributaria) algorithm, with your figures.
Two things stand between your gross salary (salario bruto) and what reaches your bank account (líquido a percibir): Social Security contributions and income tax withholding.
Social Security contributions are a fixed percentage of your contribution base. In 2026 employees pay 4.70% for common contingencies, 1.55% for unemployment (1.60% on temporary contracts), 0.10% for vocational training and 0.15% for the MEI, an extra pension contribution. That adds up to 6.50% on a permanent contract. The base is capped at €5,101.20 a month; above that, you only pay a small solidarity contribution.
Income tax withholding (retención de IRPF) is an advance on your annual income tax. Your employer works it out from your expected salary for the year and your personal situation, which you declare on form 145 (modelo 145). That is why two people with the same gross salary can take home different amounts.
New to all this? Read our guide to Spanish payroll.
Many Spanish contracts split the annual salary into 14 payments: 12 monthly ones plus two extra payments (pagas extra), usually in June and December. You earn the same over the year either way. With 14 payments each monthly payslip is smaller, but you get two bonus months. Always check which one a job offer means when it quotes a monthly figure.
| Gross per year | Net per year | Monthly (14 payments) | Monthly (12 payments) | Withholding |
|---|---|---|---|---|
| €20,000 | €16,928 | €1,194 | €1,411 | 8.86% |
| €25,000 | €19,852 | €1,399 | €1,654 | 14.09% |
| €30,000 | €23,124 | €1,628 | €1,927 | 16.42% |
| €35,000 | €26,397 | €1,858 | €2,200 | 18.08% |
| €40,000 | €29,656 | €2,087 | €2,471 | 19.36% |
| €50,000 | €35,550 | €2,501 | €2,963 | 22.40% |
| €60,000 | €41,436 | €2,913 | €3,453 | 24.44% |
| €80,000 | €52,847 | €3,727 | €4,404 | 28.92% |
| €100,000 | €63,828 | €4,511 | €5,319 | 32.11% |
Single, no children, under 65, permanent contract, Spanish tax resident. With 14 payments, the two extra payments are slightly higher than the monthly figure because no Social Security is deducted from them.
No. The special regime for workers moving to Spain (régimen de impatriados, known as the Beckham Law) taxes employment income at a flat 24% up to €600,000 instead of the progressive scale. This calculator assumes you are taxed under the normal rules.
Non-residents pay non-resident income tax (IRNR) at a flat rate instead: generally 24%, or 19% for residents of other EU or EEA countries. This calculator is for tax residents, which usually means living in Spain more than 183 days a year.
It uses the general withholding scale, which applies everywhere except the Basque Country and Navarre, which have their own tax systems. Your final tax bill is settled in the annual tax return (declaración de la renta), where your region's own scale applies, so it may differ slightly.
No. Self-employed workers (autónomos) pay a monthly Social Security fee based on their earnings and handle their tax differently. This calculator is for employees.
Your employer may adjust the withholding during the year if your salary or situation changes, and some payslips include extras such as overtime, bonuses or benefits in kind. Use this as a close estimate.