Spain Net Salary Calculator (Salario Bruto a Neto)

Free Spanish take-home pay calculator: enter your gross annual salary, contract type and dependent children to instantly calculate Social Security contributions and IRPF income tax withholding.

What is a Spain net salary calculator?

This calculator estimates your take-home pay from your gross annual Spanish salary by applying the employee Social Security contributions (common contingencies, unemployment, vocational training, and MEI), followed by the IRPF income tax withholding calculated on the standard reference scale.

Rather than relying on a flat "70-75% of gross" rule of thumb, it accounts for your contract type (permanent or fixed-term, which slightly affects the unemployment contribution), the number of dependent children (which widens the personal and family minimum), and the employment income reduction, which phases out progressively as salary rises.

How the calculation works

Enter your gross annual salary Type your gross annual salary in euros, or use the slider.
Select your contract type Permanent or fixed-term — this slightly affects the unemployment contribution rate.
Enter your dependent children Each dependent child increases the personal and family minimum, lowering your IRPF tax due.
Read the result The contribution breakdown, net pay before tax, and final net pay after tax appear instantly.

Tips for getting more out of it

Fixed-term contracts have a slightly higher unemployment contribution rate (1.60%) than permanent contracts (1.55%).
The employment income reduction disappears entirely once net employment income exceeds €19,747.50, so the marginal effect of IRPF increases past that level.
Each dependent child widens the personal and family minimum: €2,400 for the first, €2,700 for the second, €4,000 for the third, and €4,500 for each additional child from the fourth onward.
The real effective IRPF rate varies by several percentage points depending on your autonomous community of residence, since each one sets its own regional scale.
Many Spanish employers split the annual gross salary into 14 payments (12 monthly payments plus two extra payments), though the monthly contribution base is calculated by prorating the total across 12 months.

Common use cases

Comparing job offers

When comparing two offers with different gross salaries, this calculator lets you compare the actual monthly take-home pay of each.

Negotiating a salary

Before a salary negotiation, estimate how much gross pay you need to reach a target monthly net income.

Planning a contract change

If you are moving from a fixed-term to a permanent contract, you can see the small adjustment in the unemployment contribution.

Payslip terms explained

MEI: Mecanismo de Equidad Intergeneracional, a contribution introduced in 2023 to strengthen the long-term sustainability of the pension system, set at 0.90% in 2026 (0.15% paid by the employee).
Net employment income: Gross salary minus Social Security contributions and the standard €2,000 general deductible expense, before the employment income reduction is applied.
Employment income reduction: A reduction of up to €7,302 (Article 20 LIRPF) that phases out progressively until it reaches zero once net employment income exceeds €19,747.50.
Personal and family minimum: The portion of your taxable base that is not taxed: €5,550 for the taxpayer, plus an additional amount per dependent child (€2,400 for the first, €2,700 for the second, €4,000 for the third, and €4,500 for each additional child from the fourth onward).
Maximum contribution base: The monthly cap (€5,101.20 in 2026) above which salary no longer generates additional ordinary Social Security contributions.

Frequently asked questions

Gross salary (salario bruto) is the total amount agreed in your contract before any deductions. Net salary (salario neto) is what actually lands in your bank account after Social Security contributions and IRPF withholding are subtracted. Job listings almost always quote the gross figure.

Your effective IRPF rate depends on your autonomous community of residence and your personal situation (joint taxation, other deductions, etc.), while this calculator uses a national reference scale. For an exact figure, check your payslip or your regional tax agency.

The difference is small: it only affects the unemployment contribution rate (1.55% versus 1.60% of gross salary), while the rest of the Social Security and IRPF calculation is identical.

Side Note — why does IRPF vary so much between Spanish regions?

Spain's income tax has an unusual two-tier structure: the state and its 17 autonomous communities share taxing power over IRPF. The general state scale is the same nationwide, but each autonomous community can set its own complementary scale and deductions, meaning two people with the same gross salary can end up with different net pay simply by living in different regions.

The combined reference scale used by this calculator (19%, 24%, 30%, 37%, 45%, and 47%) is a widely cited approximation that is close to the actual scale in several regions, but it is not exact for any single one. According to various sources, the real top marginal rate ranges from around 45% in the Community of Madrid to just over 50% in the Valencian Community, while the historic territories of Navarre and the Basque Country apply their own scales entirely separate from the common regime.

Unlike IRPF, Social Security contributions are managed centrally by the state and are identical across the whole country. MEI, the newest contribution, was introduced in 2023 as part of the pension system reform, intended to reinforce the so-called pension "piggy bank" against the demographic challenge of an aging population.

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