Your monthly payslip
Take-home pay líquido a percibir
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Spain Net Salary Calculator 2026
Your payslip after Social Security and IRPF, what the Renta will refund or charge, and how your take-home pay compares across every region, including the foral Navarre and Basque Country.
Jump to your payslip ↓
Salary
I know my ?
Payslips a year ?
Payslip withholding uses one national table, so it is the same in every region; the regional difference shows up at the Renta. The Basque Country and Navarre are different: they run their own (foral) IRPF and withholding tables, and the Beckham law does not apply there.
Tax regime ?
About you
Age ?
Contract ?
Family
Children with a disability ?
Parents with a disability ?
Flexible pay
Benefits paid instead of salary are free of IRPF up to a limit, but still pay Social Security.
Pension and more
Net a year
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You keep
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At the Renta
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Payslip withholding vs the tax you really owe
Where your employer's money goes
How it's calculated
Social Security
Annual IRPF (your Renta)
Tax brackets
Payslip withholding
Employer cost
The same salary in every region
| Region | Per month | Per year | Difference |
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| Taxable base | State | Regional | Total |
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Every region at a glance
Combined state and regional rate on the first euro, at 30,000 €, at 60,000 € and at the top. Click a region to see its full scale.
| Region | First € | 30,000 € | 60,000 € | Top | Top from |
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Net salary for other common wages
Net salary by monthly wage
From gross to net in Spain
Two deductions take you from the gross in your contract to the money in your account. Social Security is a flat 6.50% on a permanent contract, up to a ceiling of €5,101.20 a month; above it you only pay a small solidarity fee. IRPF is progressive and split in two halves: the state scale is the same everywhere, the regional scale depends on where you live. Before the scales apply, you deduct Social Security, a €2,000 expense allowance and, on low salaries, a reduction of up to €7,302; your personal and family minimum is then taxed at 0%.
Your employer does not know your full tax situation, so it withholds IRPF with the national AEAT algorithm. The Renta in spring settles the real figure with your region's scale and deductions. That is why many people in Madrid get money back and many in Catalonia or Valencia pay a little more.
Sources: Orden PJC/297/2026 (Social Security bases and rates); Ley 35/2006 del IRPF, arts. 19, 20, 56–61, 68.4, 84, 93 and DA 61ª; RD 439/2007, art. 81; AEAT withholding algorithm 2026; AEAT Manual Renta 2025: regional scales and regional minimums. Regional deductions are not included. Last verified: October 2026. An estimate, not tax advice.
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Frequently Asked Questions
How is net salary calculated in Spain?
Net pay = gross salary − employee Social Security − IRPF withholding. Social Security is 6.50% of your gross on a permanent contract in 2026 (4.70% common contingencies, 1.55% unemployment, 0.10% training and 0.15% MEI), on a base capped at €5,101.20 a month. IRPF is progressive: the state scale plus your region's scale, applied after a €2,000 expense allowance, the work-income reduction and your personal and family minimum. Example: €30,000 gross in Madrid leaves about €23,450 a year once the Renta is filed.
Why is the tax on my payslip different from what I pay at the Renta?
Your employer withholds IRPF with the national AEAT algorithm, which ignores your region and some deductions. The annual Renta applies your region's scale and minimums, the deduction for low earners and joint taxation. The difference comes back as a refund or is paid with the return. The calculator shows both numbers and the difference.
What changes with 14 payslips?
Your yearly gross and net are the same; only the timing changes. With 14 payslips you get 12 ordinary payslips plus two extra ones, usually in June and December. Social Security is spread over the 12 ordinary months, so the extra payslips only withhold IRPF and are a little larger than a normal month's net. With prorated extras you get 12 equal payslips.
Which region pays the least income tax on a salary?
Madrid leaves the most take-home pay at every salary, thanks to the lowest regional scale and higher personal minimums. Catalonia leaves the least up to about €40,000; above that Extremadura and Valencia join it at the bottom. Residents of Ceuta and Melilla pay only 40% of the IRPF. The comparison table under the results ranks all regions for your exact profile.
How does the Beckham law change my net salary?
Under the special regime for workers moving to Spain (art. 93 LIRPF) employment income is taxed at a flat 24% up to €600,000 and 47% above, with no deductions or family minimums. Social Security is unchanged. For a single person it starts to pay off at roughly €60,000 gross, sooner in high-tax regions; compare both regimes with the switch above. You must apply within six months of registering with Social Security.
Does flexible pay save tax?
Meal cards (up to €11 a working day), public transport (up to €1,500 a year), health insurance (up to €500 a person) and nursery fees are exempt from IRPF when paid instead of salary. They still count for Social Security, so the saving is your marginal IRPF rate on the exempt amount. The calculator shows it either taken from your salary or paid on top.
How accurate is this calculator?
It follows the 2026 Social Security rates, the AEAT withholding algorithm and the AEAT regional tables, and reproduces published examples to the cent. It does not cover regional deductions (rent, birth, etc.), other income, For Navarre and the Basque Country it applies their own 2026 foral scales, deductions and withholding tables (Bizkaia rules for the Basque Country; Álava's family deductions are slightly higher), without joint returns. It is an estimate, not tax advice. Last verified: October 2026.